BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-04
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was seeking assistance with my FHA mortgage and after several months of sending in documents I was offically denied on XXXX/XXXX/16. My loan denial was mailed to me amost 7 days later with a turnaround time of 14 days to appeal me denial. Not only did I not have ample time to respond bit I was not given a specific reason on why I was denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, Equifax, and Transunion credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ACCOUNT IS NOT MIND INCORRECT INFORMATION 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 2015-09-30
Company: ALLY FINANCIAL INC.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a report on my credit that is now an open collection with a balance of {$350.00} from " XXXX XXXX XXXX XXXX XXXX XXXX. '' This should be covered for and paid by my health insurance. It shows as this : Account # XXXX {$350.00} BalanceXXXX XXXX XXXX XXXXOriginal Creditor {$350.00} High BalanceXXXX XXXX, XXXX Opened DateXXXX XXXX, XXXX Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
GUITAR CENTER / SYNCHRONY BANK closed my account without notice. I've been a customer since XXXX and i've had this problem before with payments but they've worked with me ... and they've never close this account. I called XX/XX/XXXX and the operator i talked to seemed very rude on the phone.

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 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I asked for my yearly credit reports XXXX, Trans Union, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but Trans Union, and XXXX stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: Performant Financial Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. 
Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services

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 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My son has a property and has a very high interest rate. He is working XXXX. I have Power of Attorney for all his business. We decided to refinance since he would receive notices in the mail from Bank of America or when I would make his payments the tellers would remind me about that. We started the process in early XXXX of this year and by the end of XXXX we were supposed to close. They just needed a verification of employment for him. All we had was the address that on his paystubs, but I was able to get a number for someone in Texas. They were the hardest people to work with as I would call or email and not hear for days from them. 
Well, the straw that finally broke the camels back was when I called the person who was in charge of his file and she told me that she could no longer help us because of the job verification situation. She told me to call another person, I called him on a Friday and had to leave a message. On Monday afternoon I called and his voicemail stated he was on vacation, and his voicemail gave me someone else 's number to call. I did that and got the same voicemail and to call another person, I called that person and the same thing. Everyone was out of the office on vacation and would n't be back for a week. I do n't know how but i finally received an email from someone stating that they were sorry that they could n't help us and they had closed the file. 
My biggest gripe is " did anyone call the number I provided to verify his employment '' or did someone just drop the ball. 
My son has paid his mortgage payment on time and has great credit scores. He wants to refinance since he ca n't sell due to the fact that the home 's resale value is less than what he owes. 
Can you provide me with the contact number where I can file for the Bank of America vs DOJ suit where people have been helped by receiving lower interest rates or payoff assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously submitted a complaint on XXXX/XXXX/16 using CFPB and received a response on XXXX/XXXX/16 stating what I 've copied and pasted below from their original response ... However After pulling my report the following items are still showing that they claim they deleted : Inquiry for XXXX Card on XXXX/XXXX/16 Inquiry for XXXX XXXX/XXXX/16 There 's also XXXX other XXXX inquiries that I was n't able to dispute due to the dispute form not allowing me to add more entries. 

XXXX * " TransUnion said : Explanation of closure In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. '' * " Relief We received your complaint about the fraudulent items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been deleted. '' * " Response We have reviewed your complaint along with the information you previously provided regarding this issue. However, after reviewing the activity on your file, along with the information in our data base, we have deleted disputed items. ''

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 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently viewed my Transunion Credit Report. I have disputed XXXX accounts ( CAF # XXXX & XXXX ) since XXXX 2016. Both these accounts have been properly investigated and removed from my XXXX & XXXX Credit Report but still remains on my Transunion Report.

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 2015-09-29
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Last year, 2014, I went through Quicken Loans for a mortgage and it was the worst decision I ever made! There are so many different departments that my loan went through, I ca n't remember all of them, however, in the one department, XXXX took my loan, changed the interest rate from 4.125 % to 4.255 % so I can bring less to closing. I did not agree or sign off on the new interest rate but XXXX took it upon himself to change my rate and lock it in. I told XXXX to change it back and he could n't nor could his supervisor. I did n't know that I could refuse the loan at the time. I have an FHA Loan. 
They also " Guesstimated '' on my property/school taxes, which are public records. I 'm having a hard time paying my mortgage and bills. I would have never purchased this house and now from being behind on everything, my credit score dropped considerably that I 'm unable to get approved for another loan so I can purchase an affordable home and sell this one. 
I 've applied for a loan modification through Quicken Loans and they lost my husband 's pay stubs. They tried to say that I did n't send them but I have copies of what I sent them originally. This is also not the first time that they have lost my documents. I 'm tired of producing and reproducing information. 
Quicken Loans is the worst company out there and they 're awful to try and deal with. Some people are nice but for the most part they are just plain ignorant! One person told me that my credit score is more important than my mother who was in the hospital at the time with XXXX problems .... 
I would never recommend Quicken Loans to anyone and I 'm telling everyone about what they did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I walked into a Branch to pay a loan which was about 30 days past due.! paid the required about to satisfy the loan amount for the period. The loan amount was {$270.00} my pay check for the same period was {$280.00} and we are in a work slow down. So although I made the payment I was still past due. But I should have been current to that point. Now when I get calles from the bank they say I am XXXX days past due. And they have n't received a payment since XXXX XXXX although I paid them XXXX XXXX. So during this time I ca n't afford the banks manipulations of my money. On another note I had hope to get caught up with income tax return. But someone has stolen my SSN and applied for my income tax return. So when I filed they said I had already filed and now I am dealing with Identity theft. IRS is difficult to deal with having an I do n't care attitude, I 'm just doing my job. So the help I counted on is not coming for some more months and my pay is reduced to two days a week. The company does not supplement my income with unemployment ( XXXX ) they should but do n't. ( Texas ) Please note because they in the past have manipulated overdrafts and payments bouncing I have removed my money from this bank. But because of these loans which originated at XXXX which left the State and sold these loans to BB & T. I am forced to deal with them. But I can only try, but without extra money I will not jump through the hoops.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is continuing to report incorrect personal information on my credit report that I have disputed numerous times. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX NJ 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 non-monetary relief
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife and I both have initiated disputes with Experian over the last couple month 's in regards to a TAX LIEN that has been paid. They sent us documentation stating that they need more time to verify. Experian has been given more then the time allowed under Federal Law. I have a document from the court stating that they DO NOT VERIFY information with Experian or any other credit reporting agency, also the letter shows the TAX LIEN as PAID. Please assist in getting this updated. We have exhausted all efforts and are considering filing a civil lawsuit with the assistance of our attorney. 

All we want is for the Tax Lien to show paid so we can move on with our lives. 

Thank you so much 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 non-monetary relief
Consumer complaint received 2016-05-25
Company: Optimum Outcomes, Inc.
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had taken out a loan in 2005 with XXXX XXXX XXXX. I paid off the debt and never heard from them again. They started calling my family members ( they must have looked up similar last names in my town ) and have repeatedly called my father, grandparents, XXXX, and XXXX trying to obtain information. I received the message from my father and contacted the company. The representative stated I owed money to them, and that I would face arrest or lawsuit, wage garnishment if I did not pay a few hundred dollars at that time. I advised the representative that I did not owe the company money, and to stop calling my house and family or else I would contact an attorney. I did not hear anything from them again for 6 months. I assumed that I had made myself completely clear. My father contacted me this evening and advised me that he and my family all received calls again in the past week. This time, they say they are from optimum outcomes inc. The representative that I spoke with asked for the last XXXX of my social security number so she could connect me to the collector. I refused, but said that she could forward me to the collector at which time she said no. Not until I gave her my info. I told her at that time, I would have my attorney contact them, as I did not have to supply my personal information without her identifying who they were and where they were from. She had been able to access my information originally simply from my phone number, she knew who I was, she did not require my information, but I wanted to know who I was speaking with. She then began to talk over me with a raised voice, would not let me finish my statement, and then she hung up on me. Within 5 minutes, I received a phone call from a different number, and an automated voice mail stated it was a debt collector and advised that their name was optimum outcomes inc. 
I am unsure if these are XXXX separate scams that are being run, however I find it interesting that they both contacted the same relatives. 
I want these people to stop calling me. If they feel that they have a legitimate issue, I would like the information mailed to me in writing so that I may verify its validity. I do not want them calling my phone, my work phone ( have n't called but I want to specify, and of my family members. No one. They harass us, they call over and over and do not leave messages. They call at 8XXXX and on Sunday 's. No more. Please tell them to cease contact and mail me the specifics. 
I am more than willing to review information, if any, but I will not release monies to them on demand or tolerate threats of any type. I want physical documentation. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: CA
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}.

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 non-monetary relief
Consumer complaint received 2016-07-14
Company: Coastal Financial Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a call from the number ( XXXX ) XXXX on Tuesday, XXXX XXXX on my cell phone. Because I was at work I did not answer. A XXXX XXXX left a voicemail telling me that they had a legal matter pending against me that I may not be aware of. He said he was with the office of Coastal Financial Solutions. He said that it was important for me to get back with him or if I have an attorney I could pass his number on to him/her ; however, he would prefer to speak to me. This was at XXXX. I left to do an errand maybe 10 minutes later, and while I was gone, he called my place of employment telling them it was urgent I call back. My employer does not like for people like that to contact our place of business, and I need my job. After I left work for the day, around XXXX, I called the number back to see what all of this was about. No one answered so I left a voicemail asking them to not call my place of employment again. He called back today, Thursday, on my cell phone. He left another voicemail telling me to call him back immediately and to do so before XXXX. because he was going to the courthouse. I have googled this number, and everything about it has referred me to this site. I was under the impression that you were to receive any pending debt collection through mail, not harassing phone calls. I do not know what this is about, but I would like it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my house for {$250000.00} in XX/XX/XXXX. I refinance the mortgage without taking any money out on XX/XX/XXXX. The mortgage is now {$190000.00}, which is less than the XXXX % required to remove the PMI. I contacted Chase, my mortgage Servicer, a couple years ago when it was around the XXXX %, and they refused to remove the PMI. My payments are always on time.

Company response to consumer: Closed with explanation