BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX, XXXX, Balance : {$20000.00} ), XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$440.00} ), XXXX ( Account Number : XXXX, Date Opened XXXX, XXXX, High Balance {$110.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-06-12
Company: AMA Advisors, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX with HomeBridge Financial Services delayed the closing for 15 days. We had asked from the very beginning if it was feasible to close this in 30 days he assured us it was, knowing the clients low credit score and harder qualification process. The week of closing he was requesting verification on renters history which should have been dealt with way earlier. He was not getting any response from the Rental office for days. After we found out the hang up was he never send them a Release from the tenant to request this information and they asked for it multiple times. It took the selling and buying agent to help with this and get him the information needed. At this point we just needed a day more to get it closed said XXXX. We had to extend the contract for another 2 weeks with a total of XXXX Extensions. Very unprofessional and he was not up front just leading us on thinking he can make it happen and then did not come through. His manager XXXX XXXX got involved and assured us they were working really hard on this file. I believe that was true but not until the last 2 weeks of the process which was after we should have closed. My buyers were very frustrated with the process and it did cost them more money since we did not close XXXX XXXX and they had to pay another months rent. Closing was finalized on Friday, XXXX XXXX at the very end of the day with the money not clearing until Monday. I do n't want any other buyers having to go through what my buyers had to experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
CFPB I thought you created laws to protect consumers? I do not feel protected. Aidadvantage ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and XXXX report be removed from my consumer report : 1. XXXX  # XXXX 2. XXXX # XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX # XXXX These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my XXXX report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. XXXX was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
Aidadvantage has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Account information incorrect

Complaint:
I got sick with XXXX and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!

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 2016-04-08
Company: Reverse Mortgage Solutions, Inc.
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX live XXXX XXXX XXXX XXXX Il XXXX have a mortgage reverse since 2008 in the amount of {$310000.00} lien mortgage. I was not given the opportunity for a counseling session. The mortgage lender has been working with me to get caught up with the taxes. I was under the impression to help me stay in my home. Then all of a sudden the mortgage company file for foreclosure against me and took my home and confirmation of the approving the sale is XXXX XXXX. I have been told to wait when in communication and had no idea that my home was been taken from me. I only received {$1000.00} per month and have not been able to pay a high tax for {$1800.00} per year when I am getting a XXXX freeze home owners exemption and homeowners exemt exemption. Their is some Mortgage Fraud going on. My taxes should not be this high. Its not fair for The Federal Housing Administration to pay off the loan that was insured and defraud the government when I am still alive. My taxes has been inflated. I only have until XXXX XXXX which is the confirmation of the sale. Something is wrong here. I am XXXX XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did receive a unemployment retroactive payment over a year ago the fact that the account at venmo only allows for me to put a certain amount that caused my account to get locked due to the amount that was put in retroactive the amount was about {$9000.00} a total amount that has been put into my account is {$13000.00} they are not letting me access my account they have Frozen my account and continue to send me debit cards let me know that they will one day unfreeze my account and I will have access to my funds I have contacted unemployment and asks them if they were able to withdraw any of that money and referred it to my bank and they said that there's nothing they can do that is out of their hands because I gave them that bank account information and that is venmo there is no way to communicate with them as everything is done with a computer or by text messages or email they ask you to identify yourself with your driver 's license and go through obstacles and with that being said you don't even know who you're dealing with on the other end to further make the situation worse or delay they always ask you to please give them the last email they sent you some code number to identify yourself if by any chance you delete it or you spam it and don't have it they will make your issue even harder as they tell you to please try to find a way to retrieve it it's been very difficult dealing with them and to me it's just a typical scam and I do believe a lot of people are tied up just like I am and all they're doing is profiting and collecting money and interest on all the accounts that they have Frozen They're benefiting from it an issue that I had a long time ago was with PayPal and I know PayPal owns venmo I've did a job with someone and got paid {$4000.00} that person bounced my payment after a few days so I owe PayPal {$4000.00} the fact that I owe PayPal {$4000.00} for something that I had no control of I just got ripped off on my end doesn't mean that venmo has to take those actions and stiff me out of my money over something that had nothing to do with venmo but with a PayPal account I wish this matter can get resolved as I started to read online venmo is nothing but some wannabe financial institution that is pretty much locking everyone 's account and having everyone go through a financial burden I didn't need the money as much so I never focused on it but today I decided to contact a attorney and of course you guys and I am deciding it is time to put a end to this as I've been taking advantage of and it's going to be almost 2 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-12-07
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: Columbia Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to XXXX. 
under Section XXXX of the Texas XXXX XXXX laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 

Columbia Collection Service , Inc. failed to notify the credit reporting agencies that the debt is disputed. FDCPA Section 807 ( 8 ), FDCPA Section 805 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: Mutual Management Services LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
I sent PNC Bank a debt validation letter on XX/XX/2016 to see about the debt that 's reporting to all XXXX credit bureaus. Company responds via letter dated XX/XX/2016 through the mailing stating that everything that they 're reporting to the credit bureaus are accurate, however received another letter XXXX days later dated XX/XX/2016 stating that they were unable to send validation due to not having enough information from me. I 'm going to include the correspondence that between the lender and myself. In the request for validation letter I submitted everything to them.

Company response to consumer: Closed
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: MD
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 they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-12-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am updating complaint XXXX which is currently awaiting response from company. Approx XXXX XXXX I was informed CitiMortgage took partial steps regarding my complaint & needed more time. I checked the status & nothing has been done to resolve the wrongdoings. What CitiMortgage did do was schedule another foreclosure - XXXX XXXX. 
( Foreclosure XXXX XXXX XX/XX/XXXX prompted first complaint. It was cancelled at last minute. Was not informed why ) We received letter dated XXXX XXXX CitiMortgage was pleased to share we may qualify for loan modification & will get letter outlining documents needed to determine final eligibility. The letter had been Cc 'd to Missouri State Attorney ( Submitted complaint to them as well ) We receive XXXX letters dated XXXX XXXX - possible HAMP qualification & the other letter to notify us of date of foreclosure ( the only letter we got concerning foreclosure ) Still waiting on letter about needed documents. I believe the XXXX XXXX letter was solely for the benefit of the Attorney General. I also believe CitiMortgage has no intention of resolving our issues. For years they ignored our verbal requests for explanations concerning our account. The Qualified Written Request sent XXXX XX/XX/XXXX was improperly acknowledged 1 ) Citi picked the concerns they choose to respond to & stated they found no errors. I have no idea how they determined that - guess just take their word for it. 2 ) I requested the information & sent the QWR. Citi sent their response to husband 's Chapter XXXX lawyer ( another attempted foreclosure XXXX XX/XX/XXXX & he knew nothing about the QWR ) telling him he could disclose whatever info he felt necessary. The attorney emailed us Citi 's response. & gt ; As far as I know they 've yet to fully cooperate with Attorney General or CFPB. I guess if they sell the house they wo n't have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America kept changing the pay-off amount for 3 months. Every time, they changed the amount, they hit me with more interests and more payments. I spoke to multiple Customer Service agents and they all promised to " take care '' of it but nothing ever happened.     Account -  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 2016-02-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had made the required payment for my Citi account and they still continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Auto insurance XXXX XXXX XXXX was taking monthly payments automatically from my account, for some reason they stopped taking them out. I was not notified about the payment being owed and my debt went to collection without notice. It caused my credit score to drop from XXXX to XXXX affecting my ability to lower my mortgage payment due to the lower XXXX score. I have paid the item, the debt went to collection in XXXX of XXXX according to my credit report and it was paid in full in XXXX immediately after i found out what happened, I'm requesting for this item to be removed from my credit report immediately here is the contact info, please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Denied Modification in 2016 after XXXX YEARS of application runaround and court mediation. The denial was wrongful because Select Portfolio Servicing used " outdated '' income figures, which was disclosed by their attorney at the close of mediation. She advised I appeal and RESUBMIT the CORRRECT income figures, which would have qualified me for XXXX. The appeal was again denied with XXXX XXXX as to why the correct income resubmission was IGNORED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The merchant Ally Financial has repeatedly delayed submitting the correct balance of consumers account while simultaneously delaying timely reporting to all United States Consumer Credit Reporting Bureaus, i.e. XXXX, XXXX, and XXXX. The consumer is forced to make personal inquiry to insist on having Ally make accurate status reporting to all U.S. credit bureaus. The above-mentioned actions by Ally Financial serves to depress 'accurate credit scoring ' ( towards the consumer ) based on current diminished balances. Ally Financial has used these 'fraudulent and deceptive ' credit-reporting stall tactics with this consumer whom has established an account that has paid early each billing cycle and NEVER LATE, for over 13-months.

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