BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I later learned my realtor who is a friend to the loan officer initiated the entire process. My realtor brought in the loan officer and she also brought in the contractor whom I later learned was her uncle. In my agreement with the contractor the homeowner/contractor agreement the contractor agreed that he would secure and pay for building permits and/or other permits fees inspections and licenses necessary for the completion of the work stipulated in contract. After closing it had been bought to my attention that tenants residing in XXXX XXXX refused to leave or meet to discuss anything with me as a new owner. I was later advised they had refused to move based on promises made with previous owner/seller of property and FHA rehabilitation loan in contract notes property to be vacant at time of rehabilitation. I was unable to remove tenants then covid began during I paid XXXX out of pocket to assist in them moving. The contractoXXXX who had been referred by XXXX XXXX agent XXXX XXXX XXXX and Loan Officers XXXX XXXX ( from the XXXX XXXX of Guild Mortgage ) began demo of the vacant front unit when I requested him to provide plan and permits which per REHABILITATION LOAN PERMIT CERTIFICATION which states '' work may not begin until permits are issued '' I had to fire him from my project for refusing to secure documents and procedures as stipulated for the XXXX loan. During each and every step I have continued to pay on time my mortgage and advise Guild Mortgage of obstacles. I later hired a company Plans and XXXX XXXX who took over the task in applying for and getting plans for both addresses XXXX and XXXX XXXX the city did not allow after reviewing the application the CPIO ( community plan implementation overlay district ) is unable to approve 100 % residential occupancy in that zone. Later having Plans completed and showing front property to be commercial I reached out to Land Gorilla ( 3rd party hired to supervise and release funds for project ) I was advised time has expired and they are unable to fund. I've had emails with XXXX XXXX from Guild Mortgage who states time frame is over and that scope of work has changed in regards to ( conversion to 100 % resident dwelling ) I have email threads dating XX/XX/2019 on this being a problem and apparently not resolved between Loan officerYvette XXXX and XXXX agent XXXX XXXX ( prior to closing ) Ive inquired of next step with unused loan ( XXXX ) that I've been paying faithfully will it be added to principle as outlined on contract for loan or will I finally be able to use the funds to complete my project in order to live in my property. Calls and emails have been ignored by Guild Mortgage. Please help. I need to know why GUILD MORTGAGE is not answering request to know what will become of unused rehabilitation loan for property purchased XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: USCB Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX someone used my social security number and or identity to call an ambulance the ambulance or the hospital never questioned identity just my social security number and now I am receiving a bell for {$1100.00} on my credit report this that is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have worked in the public sector on a full-time basis since XX/XX/2003. During that time and until XX/XX/XXXX, my student loans were in repayment under the graduated repayment plan. The monthly payments made under graduated repayment were more than the minimum balance due each month. These graduated payments also were well above the income-based repayment calculated by the FedLoan program when I applied for XXXX in XX/XX/XXXX, but graduated payments are not considered " qualifying payments, '' regardless of the amount paid. My income has increased steadily since my XX/XX/XXXX separation date, yet the income-based monthly payment calculated by the FedLoan program in XX/XX/XXXX is almost {$200.00} less than the monthly payments due under the graduated plan. The income-based repayment plan recommended by FedLoan does not cover the interest accrued, and therefore, I am once again paying more than required in order to prevent an increase in the principal balance on these loans. The graduated payments made during the course of the qualifying XXXX time period ( XX/XX/XXXX-XX/XX/XXXX ) would certainly be more than the income-based repayment plan amount for the same time period. What I paid under the graduated plan should apply to the XXXX program, retroactive to the XX/XX/XXXX XXXX initial payment qualification date. I obtained my payment records and they show the amount of repayment required had I chosen an income-based plan prior to the establishment of the XXXX program in XX/XX/XXXX. They are attached to this complaint. I have retained counsel regarding this issue, with the next step in the process being outreach to your agency. Any additional information which would help support this request can be provided. Thank you for your time ; I am surely not the only borrower who is seeking a fair explanation and resolution to this exact issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have asked them repeatedly to correct information on a loan with rise financial this loan was paid and on the credit report it says i still owe then they have not updated this account since XX/XX/2016 this is affecting my credit score and loans to get this needs to be deleted this loan was paid in XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2018, after opening an auto loan with Regions, I received an offer via email for a {$300.00} checking account bonus and an additional {$100.00} savings account bonus. I have fulfilled all requirements for these bonuses but after repeated attempts to contact/resolve the issue, I still haven't received my bonus. 

The checking account offer required me to open a XXXX checking account by XX/XX/2018, then enroll in online statements and use my debit card to make 10 or more purchases within 30 days of opening. I opened my account on XX/XX/2018 and more than 10 debit purchases posted by XX/XX/2018. I have been receiving an $ XXXX monthly fee ever since, while I try to find a resolution. 

The savings account offer required me to open a XXXX savings account by XX/XX/2018 and set up monthly automated transfers of at least {$25.00} from my checking to savings. Two transfers must be completed by XX/XX/2018. My two monthly automated transfers were completed on XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO S0.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please See Case Numbers:XXXXXXXX is collecting a debt on behalf of XXXX XXXX. This in my opinion is a fraudulent attempt to collect a debt that is not owed to XXXX XXXX. This obligation was satisfied by signing over ownership to XXXX at which time they sold the car and kept the proceeds. At the time, I did n't realize that XXXX will attempt to collect XXXX after keeping the proceeds from the sale I made a written complaint to Trans Union asking to verify the debt from XXXX. Trans Union claimed in writing that the debt was verified and will remain on my report. I called XXXX and they stated that they did not verify the debt and do not make any attempt to verify the debt. If XXXX claims the money is owed, then that is sufficient validation for them. XXXX has already removed this Claim from XXXX as XXXX could not prove that any money was owed to XXXX or them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
WellsFargo is charging overdraft fee on online transfers. It is impossible to transfer funds between account if the funds are n't available. I transferred {$520.00} that showed available after my direct deposit on XXXX/XXXX/2016 and was charged {$35.00} XXXX/XXXX/2016 as follow : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} ONLINE TRANSFER TO XXXX EVER YDAY CHECKING XXXX {$35.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was a " debt '' I got after we moved out of a shared apartment during college. We had perfect renters history and had a {$0.00} security deposit because of it. After living at this apartment for a year, and moving out ( leaving the apartment in good condition like when we moved in ) they decide to hit us with {$650.00} in fees!! I received NO notice from the apartment complex and was sent straight to collections, so I did n't receive word until about 4-5 months later. It was a joint debt shared by 3 people. 2 of those people paid their share, including me, and yet I was not removed. Debt collector lady said she could not tell me if I could be removed from this debt.. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
Today Wells Fargo closed my credit card account. I found out when logging into my online account. No prior notification was provided. 

I made several calls to Wells Fargo on the matter. Phone agents disclosed the following reasons for account closure:XXXX Unsatisfactory relationship on a Wells Fargo checking account. This account was closed following a CFPB complaint on their payment posting process, disclosures and timeline. 
XXXX. Agents indicated Wells Fargo Risk sent a letter in early XXXX that I failed to respond to. I received no such letter and Wells Fargo Fraud agents later confirmed none was sent. 
XXXX. Cardholder abuse. 

This credit card has a marketed rewards offer of 5 % cash back unlimited for the XXXX six month. I have used this credit card to maximize this offer and suspect this is the core reason for the closure as noted in my account. 

I am fully compliant with the terms and conditions of the cardholder agreement. 

This is a clear case of Wells Fargo baiting and switching their marketing offers. 

I will further follow up with the Attorney General 's office and the Federal Trade Commission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company tries to collect claiming they are from American Express but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Franklin Collection Service, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Medical Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Recovery Services put a derogatory mark on my XXXX  credit report for a bill I had already paid with XXXX XXXX XXXX XXXX XXXX XXXX. 

Back in the winter of XXXX I was attending XXXX XXXX  and while at a XXXX XXXX was hit by another XXXX  and suffered a serious XXXX to my XXXX  and had treatment at XXXX XXXX XXXX. This was several years ago but If I remember correctly my payment wasn't made to XXXX XXXX XXXX  because the bill was sent to my parent 's address and I didn't get it. I think it had already been sent to collections before I found out and paid the bill. It looks like the collection started on XX/XX/XXXX, my parents had moved that summer so that may have affected me getting the bill. I'm also a XXXX  XXXX  and didn't even have a social security number at the time of the accident and didn't get one until the summer of XXXX. I don't remember if it was this medical bill or a different one but I remember one of the hospitals had my phone number wrong too and that may have affected things. The address, phone number and lack of social security number made it kind of difficult to track me down. 

In total, I paid {$1400.00} in medical bills for an accident that was caused by another XXXX. This was a financial hardship for me as a XXXX. Other than this remark, I have PERFECT credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It seems that XXXX has not received my request on multiple occasions to freeze my consumer report so this is a last ditch effort to submit the request through the cfpb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Carrington Mortgage Services ( CMS XXXX by XXXX Mortgage XX/XX/XXXX. Erroneously, On XXXX XXXX, XXXX, XXXX Mortgage issue a premium payment in the amount of {$720.00} to XXXX ( now XXXX XXXX for the policy period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX, XXXX Mortgage inadvertently issued a premium payment in the amount of {$730.00} to XXXX for the aforementioned policy period. 
As a result of the above information a refund in the amount of {$730.00} was issued to me in error. Once, I discovered the money was sent to me in error, I started out with a payment of {$800.00} of which {$530.00} was designated towards escrow. The remaining balance of around {$260.00} was designated for the regular monthly payment. However, this amount never allocated properly. Long story short it took Carrington ( CMS ) an unacceptable amount of time for them to recognize I had paid the {$730.00} back in full and other erroneous issues from Carrington ( CSM ) started occuring. For example, I started receiving notices from them stating I did not pay my mortgage payments. I had to send them proof from my bank, which sends Carrington ( CMS ) the money electronically each month. In the mean time I notice my bill had increased. Additionally, during these processes Carrington ( CMS ) stop sending me monthly mortgage statements. They said they sent them to the attorney. Even after receiving notice from the attorney to send all correspondence to me, I have still yet to receive my monthly mortgage statements from Carrington ( CMS ) at my home address, which is XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX I recieved a text grin American Express Serve that an unauthorized charged was trying to go thru, I stopped it ... went to use my card said I exceeded my limit at the grocery store. Have not been able to use my card since and can not get a live person on the phone at American Express Serve. It keeps saying they're " experiencing unusually long wait times '' I've called and called all times of day and night ... wait on hold XXXX min for the call to be dropped.

Company response to consumer: Closed with explanation