BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: Innovis
State: TX
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:
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees.

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My family has owned our home in XXXX for over 30 years. At this time I am retired and live in the property along with my XXXX son. I am contacting your office because I am in trouble on my mortgage loan which is with Wells Fargo, and they are moving me into foreclosure. I am afraid that I am going to lose my home and be out on the street with nowhere to go. I feel that Wells Fargo is not fairly negotiating with me ; I feel that they are denying me access to government programs that should be made available for struggling homeowners. I feel that they have made errors in their review of my financial situation and have wrongly denied assistance. I need help with this matter, I ca n't seem to make any progress with Wells Fargo and I do not want to lose my home. 
I first began struggling with my mortgage payment in XX/XX/2013 due to the overwhelming costs associated with my son 's XXXX and began the process of attempting to get assistance from Wells Fargo. It took literally over a year of back and forth with their agents to actually get a review conducted. During this long period my delinquent amount continued to increase, putting me into an even more difficult position. When the review was conducted I was just entering into retirement and I do n't believe that they took into account all sources of income. I receive SSI, a pension, and also money from the government for my son 's XXXX. I believe that if Wells Fargo were to properly calculate these income sources and to work with me in a fair manner, a resolution could be drafted that would be beneficial to all parties. I know that Wells Fargo received billions of dollars in bail out money, and I know that Wells Fargo has been reporting record profits, even as their employees open fake bank accounts in order to maximize profit. I would like Wells Fargo to show some compassion towards my family, and the home we have owned for nearly 35 years. I paid this loan on time for years, they have collected thousands of dollars in interest from me and this is a problem that can be resolved if Wells Fargo would take the time to conduct a fair review of the current and correct financial information. 
I feel that Wells Fargo is more interested in moving me into foreclosure instead of attempting to resolve this matter. A foreclosure would be devastating. If this can be avoided, why is Wells Fargo making things so difficult? I believe if Wells were to conduct a proper review that we would be able to work things out.

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 2016-08-18
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I closed a checking account at a bank with the intent of opening a new account with a credit union. As soon as I had opened the new account, I began changing information relating to automatic withdrawls of bill payments. I started with a phone call to the mortgage servicer, Phh Mortgage. I explained to the represenative that I had closed my old checking account, and wished to change the automatic withdrawl information to that of my new checking account. I had tried to do this online, but some strange problem with trying to set up a new password forced me to the phone. The rep informed me this could not be done by phone, that I would have to fill out a form and mail it back. I asked for the form and she said it would be sent out. She informed me that it was already too late to change the information in time for the XXXX XXXX payment, and provided me with a payment mailing address. I mailed a payment which was received and processed on time. On XXXX XXXX, PHH attempted to process the automatic withdrawl using information for the closed account. The payment was naturally refused, and PHH applied a {$25.00} NSF charge to my account. I received a letter to this effect on XXXX XXXX. I called them, and explained what had happened. The representative I spoke to, XXXX, stated that there was no information on thr account regarding the closing of the old checking account. I asked to have the NSF charge reversed. His supervisor denied the request. I should not have to pay for the incompetence of a PHH representative, and I want this charge removed, and an apology from PHH management for the performance of the representative, and the attitude of the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: TN
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:
VICTIM OF ID THEFT DUE TO XXXX DATA BREACH.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}

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 2016-05-11
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
There is a XXXX hard inquiry credit check on my credit history pulled XXXX XXXX, 2015. I understand this is associated with Paypal, and I never authorized this or requested a service beyond having a Paypal account through my e-bay transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022, I filed an online application. For a HELOC with my bank, XXXX. Starting Monday late morning until today, I have received numerous calls from creditors noting that they received information from Experian that I was looking for a mortgage product. 

To be clear, I did not go to an website looking for the best offer. I started a business transaction with XXXX directly. After receiving a request from XXXX to check my credit, Experian shared that request with everyone in that industry. As a result, my phone is now being spammed with 15 - 20 calls a day. This incident is impacting my business.

Are credit reporting agencies permitted to share your request with anyone at any time without permission or regard for the individuals privacy? It is my strong opinion that I have been victimized by Experian. XXXX is also a victim in this case as experian shared their request and now everyone in the industry is attempting steal their business.

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 2016-12-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Date XX/XX/XXXX On XX/XX/XXXX, we took a second loan out on our home from XXXX. XXXX created a Deed of Trust which was recorded on XX/XX/XXXX with the XXXX. Per documentation, we were paying XXXX, and then we started to pay Bayview XXXX XXXX for this loan. On XX/XX/XXXX, Bayview Loan Servicing recorded a Substitution of Trustee and Full Reconveyance with the XXXX This document states ; the undersigned does hereby affirm that this document submitted for recording does not contain personal information about any person. Mortgage Electronic Registration Systems INC as nominee for XXXX XXXX, it 's successors and Assigns is the present Beneficiary of that certain Deed of Trust dated XX/XX/XXXX made by XXXX and XXXX XXXX, husband and wife as joint tenants as XXXX with XXXX as trustee for the benefit of XXXX as original Beneficiary which said Deed of Trust was recorded on XX/XX/XXXX. Wherein said present Beneficiary hereby substitute Bayview Loan Servicing XXXX as trustee of the named trustee under said Deed of Trust. 
We request that Bayview Loan Servicing LLC answer our questions below in writing and provide documentation. 
First, per these documents, Bayview Loan Servicing was not the lender of our mortgage, is this correct? 
Second, even though XXXX was the nominee for XXXX, was XXXX still the investor of our mortgage loan? 
Third, who did Bayview Loan Servicing pay our monthly mortgage payments too, for how much and what were the dates when payments were made? Please provide documentation! 
XXXX, if XXXX sold this note to another investor, please provide an assignment of Deed of Trust that proves that XXXX sold it, on what day and too whom!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somewhere in the last days of XXXX of last year I lost my wallet and my phone at the casino. Which included all my cards and personal information. About a week after that incident the casino got a hold of me and said my belongings had been found and turned in. Now I have this consumer report of some fraudulent activity which I have no idea of and honestly this has been really overwhelming time for me I cant bank with anyone, anything I apply for gets denied automatically its been ruining my life I have disputed multiple times and no body has seem to care or want to help me With my situation am begging for some help I believe I am a victim 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 2016-09-07
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help. 
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines. 
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval. 
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee. 
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford. 
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices. 
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress. 
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful. 
Thanks you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Home Loan Center, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The week of XX/XX/2016, I went online and saw Lending tree offered available financing rates of 2.7 % for 15 years. I filled out the application and submitted it. The next few days, I had one lender contact me, XXXX XXXX, and they said they would only offer 5 % interest rate and I had a credit score of XXXX and wanted to pay off a {$40000.00} mortgage loan. What I did received was many, many solicitations for Home Owners Insurance, contractors to build on, everything but XXXX Mortgage companies. 

Then the next week on XX/XX/2016, I called Lending Tree personally and Supervisor XXXX and his boss, XXXX XXXX. They both tried to tell me that Lending Tree does not take applications for loans under {$60000.00}, then I showed them on their own site that in the application process it showed loans even under {$40000.00}. They refused to have Loan companies contact me because I said they advertised a 15 year loan with a fixed rate of 2.7 % and I wanted to speak with a loan company who gave the 2.7 % interest rate. 

I told them that this is " FALSE ADVERTISING '' when you publicly advertise 15 year loans at a 2.7 % interest rate. XXXX began to talk very rude to me, talking over me, trying to make me hang up and then they would not have to deal with the False Advertising claim. I requested in writing for his boss, XXXX XXXX to call me back the next day and she has not called me back, therefore refusing to talk with me and deal with their claim that they could get their customers a 15 year fixed rate loan at 2.7 % interest rate. I definitely qualified with a credit score of XXXX, a home that appraised for {$170000.00}, and the loan amount requested to pay off was only {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. 

The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. 

Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. 

At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " debt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to order my credit reports from Experian and XXXX and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.

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