BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the information with Experian regarding XXXX XXXX XXXX and the incorrect status of my account. Experian did not reply, but when I attempted to dispute it again, it said that I could not because it had already been verified. I sent letters directly to XXXX XXXX XXXX and they have not responded with complete documentation either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have noticed some fraudulent credit inquiries on my credit report through agencies like XXXX and XXXX agencies and I never use those ... have tried setting up a XXXX year freeze on my credit and Experian will not allow me to even though I tried enrolling and paying their fee. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.

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 2015-10-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage loan has been perpetually 2 months behind for a year while being serviced by XXXX. While obviously not ideal, we have been paying a full month each month. We received notice from XXXX last month that our mortgage has been sold to Carrington mortgage services and this is where our trouble started. It is now XXXX XXXX with no payment info, no mortgage number, no communications from Carrington. So we called to make our payment and the rep refused to take our payment if we didnt pay at least 2 months immediately. Refused to connect us with a supervisor claiming his supervisor was too busy so my husband left a message with no reply. I felt this had to be illegal and so I looked up this company. They are apprently scam artists and I am unclear why they are allowed to continue doing business in America. 
I am not willing to allow some scam company to foreclose on my home because they thought they bought a mortgage ready to be foreclosed on. 
The rep claims our mortgage states that we are required to always be current because it is an FHA loan, which is the most ridiculous statement ever. Of course you are supposed to pay on time but when you lose the only household income and have no income for nearly 2 months, catching up is newrly impossible. XXXX was understanding and happy to collect the month payment we were able to make every month. 
Our loan doesnt qualify for modification as it is only 2 years old. So all the financial hardship options are unavailable to us. 
I am unclear why this company would be set on foreclosing a home where the owners are trying to pay them and why they would be forcing a home into foreclosure when they literally just purchased it. If they dont want to service the loan they never should have bought it. 
Looking up their record, it obvious there has been no consumer protection agency taking action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX/XX/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
i want my pmi to be removed.i am sorry i was cliked on applied for a loan i am not

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 2016-08-08
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage broker constantly sells my mortgage. This has been an administrative headache on my end. I refinanced with this mortgage broker, and the buying/selling happened again. I inadveratently sent a payment to one of the preceding companies that had my mortgage and now they wont refund me my XX/XX/XXXX mortgage payment. They keep saying it is being researched and it is in the " cashier '' deparment. I paid them ~ {$2200.00} on XXXX XXXX and it is XXXX XXXX. This has caused a major financial burden as my mortgage payment needed to still be paid for XX/XX/XXXX, and now I am due for XX/XX/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 2016-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold my loan to Carrington I am in the process of refinancing and after several attempts XXXX and myself have not been able to get my payoff from Carrinton. 
How do we go about them giving us a payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I arrived at BBVA Compass Bank on or around XXXX XXXX to apply for a home loan. I was greeted by XXXX XXXX. She asked me my financial situation. I told her. I also let her know that I do have rental houses in an XXXX, and they are not in my name. I was then asked to wait a few days so they can determine if I will qualify for the loan program. 

On XXXX XXXX I received an email from XXXX XXXX stating the following : -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX : XXXX XXXX, 2017 XXXX Subject : Question To : " XXXX ; Cc : XXXX just said as long as you do not reside in your rental ( s ) then you are completely eligible for the no PMI program we discussed. 

Sincerely, BBVA Compass XXXX Mortgage Lending - Mortgage Banking Officer Mobile : XXXX Fax : XXXX, AL XXXX I let her know that I do not reside in my rentals. She told me everything was good to go. I received a phone call about a week later stating the underwriters want to know why I am buying a {$90000.00} home and not a {$200000.00} home. She then requested for me to send her in writing why I am buying a {$90000.00} home. I wrote the letter and faxed it over to her. 
She called me a few days later and stated that the underwriters do n't believe that I am going to be using the home at XXXX as my primary residence and they denied me the loan. When I requested that information in writing for the basis of their decision, they sent me the explanation that is attached which is for review. 
The reasons they denied me have no ground, bc the State Tax Lien was put on my credit in error and I have letter from the director of the State of Alabama stating that, so they released the lien, but it still shows on my credit. The other reasons are completed inaccurate b/c I lived in my previous home for 9 years, owned multiple cars and trucks, and have loans in my name. They also stated that my account balance does n't exceed my credits, which is completely false again. My credit balances are around {$15000.00} give or take and my account balance is over {$23000.00}. 
After going back and forth with them over the past two days and trying to reach out to certain people over the phone, I sent an email to XXXX. I have also attached for your review showing the response and why I am being denied, which is based on their " guidelines '', which I have not received anything in writing that they are claiming is in the " guildelines ''. I have waited over 2 weeks for this loan to go through. Since then, the rates have gone up and I am being denied for a loan that I clearly qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has XXXX 3 ) accounts on my credit report -- XXXX, XXXX, XXXX believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of these accounts from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage was sold to Carrington Mortgage Services in XXXX of 2014. They bought it from XXXX XXXX XXXX. We have never missed a payment or been late. We have changed insurance carriers several times and this statement will become clear once I state the problem. In XXXX of 2015 we changed from XXXX XXXX to XXXX for our house insurance. XXXX XXXX sent a check for XXXX back to use. We called Carrington to ask what should be done with the money. They gave me and address in Texas to send the money to. We were instructed to explain where the money was suppose to go. I sent a check and a letter stating to put the money back in escrow. The check was cashed on the XXXX of XXXX. I also made my XXXX payment of XXXX. Now the problem is that they are saying that they never got said check. At XXXX they were saying they could not find the house payment either. Well I sent a copy of bank statement show that the check was cashed. My husband called them starting XXXX XXXX. XXXX XXXX said that he would check into it call him back. Friday the XXXX no call so my husband called back. XXXX stated that the computers were messed up. Well no call Monday so we called back and got someone named XXXX would not disclose her last name. Said she was head Supervisor. Said she would look and call. Still waiting for that call. Now they will not take our calls and have blocked us on the web site. The main issue is the XXXX plus trying to raise our payments by XXXX for more escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've been trying to close this checking account for XXXX months. The balance is only {$8.00}, but they have ignored all of my requests to close the account and send me the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Edward Jones XXXX billed my account for {$440.00} on XXXX XXXX, 2016. This charge referenced my dispute with a scammer who XXXX my computer and charged {$440.00} to repair it. They did not. I questioned the charge and received a credit on XXXX XXXX. The Edward Jones Cardmember Service Department reversed its decision on XXXX XXXX. I have written and placed numerous calls to Edward Jones to remedy the problem. They now say they can not initiate an investigation because I questioned the charge after " the 60-day protection period. ''

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 monetary relief
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.

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 2016-11-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
: Hello, The other day I was checking my report on Experian, it came to my attention there are XXXX different address on the report ( under my social number security number ) and another XXXX listed but it said I might also go by the name XXXX XXXX XXXX. I have never used that initial in my name my name is XXXX XXXX XXXX. 
There are XXXX very incorrect address in, NY I have only lived in lived in XXXX NY and another address for XXXX XXXX XXXX I never lived in either. None of my correct address are even listed. 
what do I need to do to change this and add all of my correct address?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: U.S. BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2016 : I received a call from a collection agency this week for an outstanding debt of approximately {$55.00} in relation to US Bank. I am no longer a client of US Bank and closed my account with US Bank in XXXX 2016. I eventually called the recovery department for US bank to find out the origin of the charge. They could n't specify what the charge was for and told me to call the branch where I closed my account. When I called the branch they told me I had a pending transaction at the time I closed my account for approximately {$25.00}. When this charge went through, my account was reopened and hit with another {$30.00} fee for an overdraw. US Bank failed to contact me about any of the aforementioned events and failed to notify me ( written or verbal ) about the charges I allegedly owed. I received the run-around for three hours on the phone trying to find out how to dispute the charge and/or resolve the issue, but I was n't able to make progress. I believe the situation is solely a product of US Bank 's incompetence to XXXX the pending transaction at the time I closed my account and their inability to contact me before sending the claim to a debt collection agency.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account reported {$200.00} on the XXXX and was completely paid on the XXXX of XXXX. On the XXXX the balance was disputed but still was reported as having a {$200.00} balance when in fact the account was paid in full. I contacted XXXX XXXX and was told to give them 72 hrs on XX/XX/XXXX which I gave them until XX/XX/XXXX to correct the balance being supplied to the credit reporting agencies. It was not updated as of today. I contacted XXXX XXXX and spoke with a Senior Manager named XXXX and a representative named XXXX that stated they can only report the account as {$200.00} until after XX/XX/XXXX th which is clearly inaccurate and false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated XX/XX/XXXX regarding loan application # XXXX that claims THEY were denying my loan application based on an old tax lien ( based on a XX/XX/XXXX tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in XX/XX/XXXX of this year due to their bad faith and inability to process a simple loan request ( {$110000.00} ). They ultimately refunded my loan origination fee, the appraisal fee and refunded XXXX of additional money I agreed to pay the seller because US Bank failed to perform in a manner that did not risk the agreement I entered into with the seller to purchase a condominium. The decision to compensate me for their failure does not sound like they were denying me credit based on the shaky grounds they now claim. This recent letter is an attempt to change the truth about the history of the transaction and an attempt to make me ( the consumer ) the party at fault for the inability of US Bank to perform at a modicum of efficiency and in good faith with the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Rewards

Complaint:
When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of two or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief