BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: Pacific Union Financial, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a Loan Modification on my home due to loss of job in XXXX when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all XXXX in Loss Mitigation that since my appeal letter, my payment has actually gone up. I Am At A Loss and can get no help and no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted a dispute XXXX with TransUnion for a negative account that is listed XXXX on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on both of these accounts. However, one of the accounts shows that the date opened is XX/XX/2012 and the date closed is XX/XX/2012 which, again, clearly show a mistake since an account ca n't be closed 2 days before it is ever opened! TransUnion supposedly has verified that the account information is correct and both accounts remain on my credit report. This is still inaccurate information and I do n't understand how it can be verified as correct XXXX when it is obviously incorrect if for no other reason than the fact that the open/close dates on one of the accounts listed are not even possible! How can I get this removed if TransUnion claims that the accounts are verified and accurate?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a call about them delivery documents to me or my place of employment. The credit card company no longer exist Salute. I was told that I owe them about XXXX back in XX/XX/2021. This over 18 years old. XXXX XXXX stated if they can not give me the documents it will be reported to the company as a refusal. No company name is given only a phone number XXXX. She said that she was with a courier service no name given of the service she is with. The call shows up as unknown or no caller ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
This complaint is reference to Capital One account. Did not receive any letter or post card on the TCPA class action lawsuit. 
Requesting verification if the following phone calls, ( see attached Capital One calls ) if they would have been included in the past Capital One TCPA lawsuit and if they were why I never received notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never lived in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I have owned my home for 27 years. I am now facing a foreclosure sale date on XX/XX/XXXX because the company that is holding my mortgage loan Seterus is refusing to reopen a review of my current financial information in order to qualify for a modification of restructuring of this loan. My mortgage loan is backed by XXXX and I have found out that XXXX has several new programs they introduced that are designed to help struggling homeowners. I have been struggling after being laid off in XX/XX/XXXX from my primary job. I was able to hold things together with money from my XXXX and seasonal income XXXX but was not able to afford my mortgage. I applied for help and ended up getting approved for a new modification, but instead of lowering the interest rate or the payment it actually made it INCREASE. Based on the money I was earning at that time this was not affordable. 

I have now been back working XXXX jobs for several months and my financial situation has improved. The problem is that Seterus has already closed my case, and refuses to give me another chance to be reviewed for modification programs and instead is trying to foreclose. There is no open case, no single point of contact etc. I thought that if your financial situation changes or improves that the lender is required to conduct a new review of the current information to determine what I could qualify for. I do n't think it is right or fair that Seterus is failing to offer me access to these government programs that I feel I qualify for. I am a XXXX veteran and working XXXX jobs to make ends meet. I have lived in this house since XX/XX/XXXX and have never had a problem paying my mortgage until the last two years. I feel that I deserve a fair shot and should be treated properly and given access to all available programs to try and save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card.

-Copy of my valid Photo ID.

-Contract signed by me.

-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
XXXX XXXX and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since XXXX XXXX  and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to XXXX XXXX today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " US Bank '' have sold the account US Bank has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then US Bank sells the unverified accounts to a different 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 2021-11-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. I can still see those accounts that are inaccurate and need to be removed from my credit report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : Late/Closed XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX collected {$2500.00} from me on XX/XX/XXXX for a settlement on a credit card debit. On XX/XX/XXXX ARA another collection agency attempted to collect on the same debit for twice the money. I informed them that this account was paid and they insisted that it was n't and were going to take me to court to get there money. I have a letter and my XX/XX/XXXX Bank statement indicating XXXX received the money. ARA claims the account is still open and is still owed money.I cant get hold of anyone from XXXX, and assume they are out of business or it was a scam all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PHH Mortgage Services Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the personal representative of my father estate. I have been trying to get my home refinanced for several years now. However the mortgage provider will not allow me to do so because the mortgage is not in my name. They seem to not understand that i 'm trying to get it in my name. I have provided them the court order from the judge making me the only person to have access granted to the mortgage to make changes needed to help me lower my monthly payment. this has been an ongoing battle for years. i 've fallen behind in payments simply because i can not make ends meet. I have sent them copies of court ordered documents and death certificates back in XXXX i have yet to have had any luck with this company in helping me with my problem. i have a right to protect my fathers home that he left for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for refinance from Freedom mortgage. 
We signed all the paper work and closing on XX/XX/2021. 
According to the closing document my first payment of {$1400.00} will be due XX/XX/XXXX. About 3 weeks into closing, freedom mortgage called to say the bank could not finance the deal so we have to pay the old mortgage amount of {$1600.00} for XXXX while refinance is redone. 
This was communicated over the phone whiles most other previous info was via email. 
I tried reaching out to my loan originator XXXX XXXX XXXX several times though calls and leaving message in his voice mail but no response. 
Why will the bank not pay? 
Why am I been called upon to pay XXXX mortgage via phone? 
Why my loan originator not communicating with me? why with such an important info, Freedom mortgage decided to communicate via phone ( which is ok ) but not official through email for my records?

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 2022-08-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened bank accounts in my name fraudulently with US Bank, XXXX XXXX, and XXXX that I know of. They also opened received a personal loan for {$35000.00} fraudulently from XXXX XXXX XXXX and attempted to open line of credit with Citizen Bank. Also opened credit cards with US Bank and XXXX. They also made purchases on my XXXX XXXX for over {$4000.00}. In addition, they also accessed the 3 credit bureaus and made changes to my personal information as well as filed fake consumer reports with the bureaus with fraudulent phone numbers. Scammers also forwarded my mail to an unrecognized address. This has all occurred during the month of XX/XX/2022. 

I have taken actions by filing disputes with all the banks and lenders that I am aware of that had fraud. Also placed freezes and filed security alerts with all 3 credit bureaus and check systems. Also added extra layer of security with my current banks and lenders with verbal passwords. Notified and cancelled the mail forwarding request with the Post Office. Also signed up for credit monitoring services to combat further 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 non-monetary relief
Consumer complaint received 2021-03-06
Company: John C. Heath, Attorney at Law, PLLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Over the last year I have paid two credit repair companies to fix my credit. My credit is at XXXX as of today. I am trying to purchase a home, I was in injured on the job in 2015 and am unable to work, the thousands of dollars these companies took could've helped my housing situation. Most of the items on my credit are closed and some aren't even mine and that is all they were supposed to do is get them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: PHH Mortgage Services Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX to PHH Mortgage effective XXXX XXXX 2016. 
In the Notification of transfer I was instructed to make my next payment to PHH in the amount of {$1800.00} which I did. PHH applied the payment to principal XX/XX/XXXX. XX/XX/XXXX, I checked my account online to find my monthly payment due XXXX/XXXX/16 was {$1900.00}. I never received an invoice or bill explaining why I was instructed to pay the lesser amount and that I needed to cover the difference by XXXX/XXXX/16. I contacted PHH today XXXX/XXXX/16 they said I could pay the difference over the phone but I am away from home on business and do not have my routing number available to make the funds transfer. I am afraid by the time this gets settled my payment will be late and that will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One promised a low interest rate that was never honored and then increased interest rate over 24 %. I just want this predator deceptive Bank removed from XXXX, XXXX & XXXX or willing to share with Congressman XXXX XXXX and speak in XXXX, and discuss how Big Banks appear to be Untouchable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company - XXXX - Bills for my XXXXProblem started over 2 years ago. They never sent bills and then turned me into collections for a large amount. No previous bill received. I paid the bill. The next year, after not receiving bills I called to find out what I owed and was told I had a credit with the company. They would notify when I began to owe them. Same story - a few months later got a collection letter. Once again it was a large amount but this time was unable to pay this. I was set up on a payment plan - I was told that all I owed was included in this plan. Few months later I was called by their collection department to pay an additional XXXX+. When I called them they said this as not included in the plan. They found this other amount. I have repeatedly explained the situation to them and they tell me it is taken care of but then it happens again. Finally in XXXX we put together a new payment plan of XXXX/month for a year and I was to be paid off in full. Today I received a collection letter for XXXX. I have never received a bill and they keep changing their stories. I have no idea any more what is right or wrong but I truly feel as if I am being cheated. I cancelled my XXXX because I just could n't put up with this anymore. I have enough health issues and I ca n't take this stress. How do I make this stop. I have received calls and notices and I am just tired of having to deal with his over and over again. I work in a professional office and I would have been fired by now if I handled the billing like this company does. If you google them you will see I m not alone in my complaint. Please help me. This also involves my credit but none of this has been my fault. Should n't they be held responsible on their end also? Thanks for any help you can give me. I do appreciate it. 

XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BB&T CORPORATION
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an account through BBT and I also have a vehicle loan. On XXXX/XXXX/2016 my husband was hurt at work and has been unable to work since so after talking to BBT we decided to do a voluntary repossession on our truck that we was paying XXXX a month for because we knew that we couldnt pay it with him not working and we didnt want to get behind. When we took the truck back to the BBT location XXXX of their employees told me that they would sale the truck and if there was still an amount owed they would set up a payment plan with me. After that day we had recieved nothing from BBT about our truck being sold. Today XXXX we went to get groceries and our cards wouldnt work so we went over to the same office where they tell us that the collections dept. had froze our account and zeroed it out leaving us with no money which was around XXXX. The guy we had dealt with before said he had never seen them do that and he tried calling around for us but didnt get anywhere. I called and spoke with a collections manager with BBT and she told me that it is standard procedure to take what is owed to them and that it was in the papers that we first signed when we got an account with them even though that has been many years back that we started up an account. What I dont understand is that we have been loyal customers with BBT for years before getting this truck loan and we have never overdrafted or had any problems with them and we have never been late on our vehicle loan either. We didnt get any information saying that we still owed on the loan, they just took every bit of money that we have instead of trying to work with us and do a payment plan. We could have just kept the truck not payed the payment and a couple months from now they would of repossessed it but instead we tried working with them and they done this too us, leaving us with a balance of XXXX in the bank and no cash

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