BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: GUARANTEED RATE INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that is serviced by Guaranteed Rate through XXXX On XX/XX/2020, I signed up for automatic payments amounting to {$3000.00}. I repeatedly checked the account between XX/XX/XXXX and XX/XX/2020 to ensure that the payment was posted. No notification was made that payment had been or would be posted. The mortgage servicers home page only said that the automatic payment would be made " XX/XX/2020. '' By the end of the business day XX/XX/2020 no payment had been posted and no notification of payment was given. An email was sent to customer service and no reply was or has been received. A manual payment of {$3000.00} was made and automatic payments were canceled. Notification emails were immediately received indicating that automatic payments were canceled and that a one-time draft was active. On XX/XX/XXXX, an email was received indicating that a payment of {$6000.00} was received, though only one payment of {$3000.00} was posted to my bank account. I called customer service on XX/XX/2020 and was told that the payment second would not be canceled, and I would have to wait to refund the payment, which would require waiting 10 days then emailing documentation of the withdrawal to customer service. Details on the type of documentation to be sent in were not given, and I was told that it would take a minimum of 48 hours before the email would be even be opened by a customer service representative, that no notification of the email being received would be given, and that I would have to wait for a written letter if there was an issue with the information I sent. No timeline for how long this would all take was given. On XX/XX/2020, the payment was posted to my bank account and an email was sent to customer service, for which no reply was received, and another call was made to customer service. Customer service again indicated I had no choice but to wait to apply for a refund, no exception could be made for any issues, and that any communication would be sent to me via posted mail. 

It is unacceptable that Guaranteed Rate be so shady in their payment posting, refund and cancellation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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:
RashCurtis & Associates have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. XXXX is the ONLY bureau to not have updated this information yet. XXXX needs to delete RashCurtis from my credit reporting asap! I have attached a copy of my XXXX report as proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Southwest Business Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance for a while and during that time I signed up for the HAF program. Right before my last moth in forbearance I was given 3 options for the past due amount. The option I selected was the Partial claim to move the amount to the back of the loan ( At the time I didn't know it was a HUD program ). 

Almost a week later I find out I was approved for the HAF program and I quickly contacted my mortgage company SWBC about it. Since the beginning of the forbearance my calls get directed to the collections department and they aren't the most helpful crew. During that and ever call I made or they made to me this point was raised. At no time was I advised that this program would need the lumpsum payment made to HUD and not them. 

Towards the end of XXXX the XXXXAF program sent them a lumpsum and the first months payment. SWBC just sent both the payments back to the HAF program. They stated because of the partial claim I now show no payment due. I asked them why was it not to the loan? They had no answer for that.

I'm now having to go back and forth with 3 different companies ( SWBC, HUD and HAF ) and I feel like there's nothing happening to correct this. I'm now officially late on my mortgage they are going to put this on my credit and no hope in site.

My family and I need help and feel like this situation has just made it worse for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2016-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I began the mortgage process with Bank of America in XXXX 2016. I had been given a closing date for my house 3 separate times. The last two times I was told of a closing date, I did n't find out until the day before, and one even the day off. I was assured over and over that I would be closing. The bank lied to myself and my realtors about information they sent out to previous apartments I had lived in, saying they never heard back from them and that 's what the hold up was. I called both my old apartments, and they both said they did n't receive anything from the bank until 2 days before I was set to close, when the bank told me they had sent it out weeks before. They said that was the only thing holding the closing up, and yet days later I receive an electronic message saying they needed more information/paperwork from me. Every week they tell me they are all set with things they need, yet I keep receiving something new they need from me. Because of the bank and their horrible lying/slow process, I did not close on my home before XXXX XXXX, so now I will have to pay 30 percent more in my taxes. I call/email my mortgage person and his boss, and do not receive a response, they ignore me. Also I went with a program that requires only 3 percent down at closing, yet my closing costs are skyrocketing each time I get paperwork from them, and we are now far over 3 percent.

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 2020-08-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Transunion is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. I have the documentation as I am not sure what is wrong with the data on this account through 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 2020-01-06
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a garnishment summons in the mail from c/o XXXX XXXX XXXX, XXXX that are representing American Express National Bank on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. I submitted a complaint numerous times stating that this info was not correct and not mines and need to be deleted for all accounts listed as DEPT OF ED/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 2020-10-07
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?

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 2016-08-26
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was a part of a rehabilitation program after my loan went into default. Following the rehabilitation program my loan was turned over unbeknownst to Navient. Letters and phone calls from Navient were coming in and I had no idea who they were. Finally I opened the unknown mail and saw that Navient became my loan servicer. I called, we had a pleasant conversation about moving forward and I was hopeful. We decided that I would be on a temporary forbearance until school starts and then my loans would be on hold while I am in school. 

A few days later I am at work and my phone once again is ringing relentlessly and the calls are coming from Navient. My thought was well what in the world, we just spoke a few days ago nothing could have changed between then and now. I decided to wait it out before returning the call to make sure their departments were all on the same page. I call and the customer service agent speaks to me as if we they have never spoken to me. As if we did n't come up with a plan two weeks prior. Moreover I am getting e-mails with bills above and beyond what my payments would have been if I were not in school. Payments above what even Navient said I would pay per month once I am out of school and on the same income as I am now. 

Is there a way to change my servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Ditech Financial LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Sir/Madame I previously filed a complaint, case  XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off?     Thank you  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 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in 2010 I asked BOA for a loan modification XXXX. We were financially strapped and after months of being late on mortgage pymts which BOA told me to do my credit was short XXXX & they started forclosure. 9 months later they sent me a letter that they would do a modification- {$1.00} less a month YES {$1.00}, I signed it and not realizing they added 2 years on to my mortgage. I am now looking to refinance and I just found this out. I am furious, want those 2 yrs back & I want out of BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Bank of America Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.

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 2016-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a private student loan with Chase which has since been managed by XXXX but is still reported through Chase. I have never been late and in fact I have constantly paid more than the minimum payment so that my next payment is n't even due until another 2 or 3 years. I tried to release my cosigner and submitted all the necessary documentation. My request was denied and my concern is that they will not tell me why. All I was told is that I can try again in the future. I do n't know if my request was denied due to credit score, income level, length of loan history, or any other factor. I do n't think this is right because I do not know what steps I should correct to get my cosigner released. For example, if it 's credit score I can improve it and try again. But if it 's income level then that would be harder to correct in the short term and it would be a waste of my time now to keep trying and dinging my credit score. 

Is there any recourse? I 'm not asking for proprietary information, I 'm just wanting to know the reason why. I called multiple times and I was told they ca n't give me their credit thresholds because it 's proprietary. I do n't care about the exact number, all I need to know is that my score is below their minimum or my Debt to Income was above their maximum, something along those lines. Do student loan providers not have to give a reason at all for denying the release of a cosigner?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: OR
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:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I so not have a contract with this company not do I have knowledge of why they are trying to collect from me. If this is a medical debt I have not received written notice of this debt nor have I had the chance to dispute this validity of this debt. Therefore, it should be removed from all 3 credit bureaus where this debt is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint because I have contacted Experian and XXXX in writing, detailing fraudulent activity on my credit report. I have ask XXXX to verify this fraudulent mortgage account showing on my credit report. After requesting in writing and also talking to XXXX, I was told they do not have any documents ( Loan origination or Foreclosure filings ) on this account. I have additionally visited/contacted the XXXX XXXX courts system and they have no documentation of this foreclosure or any foreclosure with my name in their system. I have contacted Experian to request an investigation to no avail. 
Chapter XXXX of XXXX XXXX XXXX XXXX states that creditor are required by law to produce documents pertaining to a foreclosed mortgage account within 30 days of receiving a qualified letter in writing. I have requested in writing twice with no response. I request Experian promptly delete all information which can not be verified. Please resolve this manner as soon as possible. Thank You

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 2016-03-01
Company: LENDER LIVE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency has harassed me all weekend starting from XX/XX/XXXX at XXXX till today XX/XX/XXXX. I work everyday from XXXX and they do not stop calling me XXXX XXXX is the name of the associate that is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an foreclosure on my property in 2012 I was told if I move out on the house that they would pay my moving expenses. I went too court too let them know I'm moving. When I was ready to move they didn't pay me the money they promised.

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