BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i spoke with a manager at commonwealth informed him this was a fraud account and im disputing it and wanted account removed from my credit bureau. I also requested all documents from hospital to support this debit. I filed a complaint with the cpfb also on approx XX/XX/XXXX a XXXX XXXX responding to that complaint and lied in her response she stated all proof of debit and supporting documents where sent to me on approx XX/XX/XXXX all i have ever received was an initial collection notice no proof of debit or documents that I requested instead this company placed this account back on my credit bureau without addressing my dispute or providing proof of debit. Both these actions by this company and XXXX XXXX are illegal and violations of the FDCPA. I also received three collection calls on XX/XX/XXXX even after leaving sevral messages over the last few weeks for XXXX XXXX which i never received a call back. Im asking the CPFB to fine and sanction commonwealth for unfair collection practices and violations of the fdcpa. Im also going to file a complaint with the Arizona attorney general 's and hire an attorney to sue common wealth, XXXX XXXX, the manager whom never sent me my proof of debit and the collection rep feom XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 contacted Transunion to resolve the issue. These inquiries are fraudulent. 
The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-30
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XX/XX/2020 I researched refinancing a home loan with Quicken Rocket Mortgage. After submitting all of my data, only then do they notify me that the product is not currently available. This is an unfair and abusive way to collect consumer data. Once I typed in the loan details, they should have immediately included a prompt the loan type is not currently available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called me at work and then got rude with me when told not to call me at work. 
XXXX XXXX with portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
Hi XXXX  / Equifax / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX  listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the XXXX XXXX XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now! 

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from XXXX and Equifax. Thank you and happy new year

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 received an alert today ( XX/XX/2020 ) that XXXX XXXX has launched a hard inquiry on your credit report. This hard inquiry needs to be removed from m account. 
In past, thousands of time I have asked to Transunion to freeze my acccount, still it is not freezed and when i again requested to Transunion to freeze my account, the call center employee did not put freeze and supported XXXX and did not even filed my dispute. 

This is severe violation by Transunion to not to file a dispute to remove hard inquiry. 

Get this hard inquiry removed and freeze my account forever. I have nothing to do with XXXX 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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and when I went to set up payment arrangements. They are charging me more than they stated they would charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen mortgage was recently taken over by PHH mortgage on XX/XX/XXXX ... and unfortunately, our previous mortgage company sold our account to them. XXXX has been rough on many people..us included. 

In the early part of XXXX PHH Mortgage, formally known as Ocwen, sent us a refund check for an overpayment of our escrow account. Because we are grieving a loss of a teenage child, we weren't opening our mail consistently. Our bill payments and such were just on autopay and basically, we were dialing it in while we mourned. We finally got around to opening our mail and saw the check and attempted to cash our refund check on XXXX XXXX XXXX. PHH Mortgage, formally known as Ocwen refused to honor the check on XX/XX/XXXX and we received a chargeback from our bank due to the date being stale-dated and returned. 

I phoned PHH Mortgage to have them resend the check. I have phoned them once a week for 3 weeks, and they still have not re-issued my overpayment check. The first time I called, was on XX/XX/XXXX. The customer service agent claimed she had all the information she needed after I gave her the returned check number and date. 

A week goes by and I call back on XX/XX/XXXX. The check still has not been sent out. This time, the customer service agent who assisted me, stated that the previous customer service agent did not put the date on the check ... 

The third call was today, XX/XX/XXXX. This time the customer service agent that answered said the check was not reissued because it had already been cashed! 
The call was escalated to XXXX ( customer service ID XXXX ). After the call, I contacted XXXX XXXX XXXX who verified that Ocwen or PHH Mortgage would have been notified that the check had NOT been paid and had been returned. 

On XX/XX/XXXX, I also filed a complaint with the XXXX  of New Jersey against PHH. 

On XX/XX/XXXX at XXXX 's request ( the escalation manager at PHH XXXX ) I sent a letter that XXXX XXXX XXXX sent us in regards to the returned, stale-dated check. 

On XX/XX/XXXX I called to follow up since PHH failed to inform me if they had indeed received the XXXX XXXX XXXX documents XXXX ( XXXX ) requested. I was told they had. 

On XX/XX/XXXX XXXX ( XXXX ) called to tell me that the escrow check would be reissued and some time the week of XX/XX/XXXX. 

On XX/XX/XXXX, PHH sent a secure email to state that the escrow check would not be re-issued because it had been cashed ... all despite having received documentation from XXXX  XXXX XXXX on XX/XX/XXXX. 

I have attached XXXX XXXX  XXXX documentation as well as the XX/XX/XXXX PHH message that denies the request to reissue the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Concord Resolution Inc (Closed)
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I do n't have a delinquent loan. I have received XXXX calls each day for the last 2 months. They claim I have debt and threat legal action, they use several legal terms and it is ALWAYS a message, never a live person. Harrassing messages daily on my cell phone, with no details or specifics. Claim they are called CONCORD RESOLUTION..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX my spouse and I stayed at XXXX XXXX in XXXX, FL. I paid in advance for the room charges of {$1000.00} using my bank account. Upon arrival I placed my capital one credit card on file for incidentals. When I checked out I was told my bill was paid in full and we departed. The hotel somehow made an error on XX/XX/21 with their accounting and refunded all room charges to the capital one card since it was the last card I had on file. My card balance reflects - {$1000.00}. The hotel realized what they did and needed their money back plus the incidentals which they failed to process of {$250.00} so they tried to charge my capital one card a total of {$1200.00}. I hold a {$500.00} credit line so capital one is declining to accept the transaction. 
I've attempted to call capital one and rectify this but they claim they can only mail a check directly to me so I accepted. It's been a week and it hasn't arrived yet and the hotel is getting anxious over this. I called the credit card company again tonight and they still refuse to allow the transaction to go through even with a negative balance on the card that doesn't rightfully belong to me or the card company. 
I have enough of a credit line to cover the incidentals after they refund is removed but capital one says my credit line isn't sufficient. 
I was forced to try and increase my credit line, taking a hit on my credit score and in the end, I didn't get enough to make this transaction happen. 
There is no reason capital one can't return the refund to the hotel and allow them to charge the {$250.00} I still owe. 
I'm concerned this will cause me litigation from the hotel all because capital one is illegally holding onto money that doesn't belong to them and drawing interest off of it as well. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America you are the biggest disappointment to all Americans. President Obama gave the banks money to bail out to help families like myself who needed remodifications. Families like me that had actual hardships. To think you call yourself Bank of America. You are not what America stands for. You are a lying, cheating, Bank!!!!! U told me to apply for Remodification I did and you denied me over 20 times and I had lawyers tell me how disgusting u thieves were.You then told me get an offer on your home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and so many more. I got an offer and then XXXX stated have it loaded into equator with the perspective sale date and fully executed contracts. I believe his boss then had him tell me due to delinquency we ca n't continue with a short sale, after you scheduled a home inspection. You are the most unprofessional lieing people. I hired XXXX lawyers and a real estate agent. I contacted the president, senators, XXXX XXXX, XXXX, news and women 's activist for your predijuce ways.You never had any intention of allowing me to short sale my home that 's why the new issue is the home is to delinquent! Is n't that why you short sale a home.Like I stated in my previous letter XXXX is a XXXX male of status just as his colleagues are.I asked that I not work with him before. I have been discriminated against by Bank of America and I will not be leaving my home. You will provide me with my short sale because somewhere in that company there is one person that has decency.I expect that you will postpone my sale for XXXX XXXX and allow me the option to conduct a short sale. I met one person in that company XXXX in short sale with actual morals. Calls like she says and is kind and XXXX also. Someone else has to have dignity .Please do n't allow me and my children to be homeless or displaced. Please allow me to short sale my home and move forward as my hardships have been my children 's also. Divorce, loss of job, loss of income and now loss of home. Have a XXXX heart!!!!!!!!!!!!!!!!! You have taken my home from me and my children!!!!! Thank you in advance give me the opportunity to move forward. You have discriminated against me enough and as you see I do n't go away. I will not go away XXXX XXXX, XXXX and XXXX XXXX have time to listen so I expect you to be the Bank of America. Help me Please please please. Let me short sale my home.What other excuse do you have. 
XXXX XXXX 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 2022-10-13
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX formerly known as XXXX and XXXX XXXX committed fraud by submitting false documents and affidavits to The XXXX XXXX XXXX XXXX XXXX. The firm used the false documents created by themselves to obtain a final judgement against me. They even submitted false documents in the XXXX XXXX XXXX XXXX. A fake assignment of Mortgage was created to falsely establish standing in court. This law firm has been accused and found guilty of the same actions in the past. As a result, the firm was forced to report to the disciplinary Board of Pennsylvania. The firm later changed their name to XXXX. I do not understand how our government can allow this firm to foreclose on any Government back loan. I have attached all documents to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: GreenSky, LLC
State: DC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied online for a Home Depot Home Improvement Project Loan in the amount of {$20000.00} on XX/XX/XXXX which was approved for {$10000.00}. At that time I accepted the loan and electronically acknowledged the loan approval and was provided a loan number with my loan approval amount. The system notification also stated that I could request an increase through the company 's XXXX number. On XX/XX/XXXX when I received my kitchen project final quote from Home Depot, I attempted to increase my loan to {$20000.00} but was told by the rep that an increase could not be approved but that the original approved amount of {$10000.00} would be available. On XX/XX/XXXX I presented the loan document and a cashier check for the project difference to the store and the loan was blocked. I spent over 90 minutes in the store at the register talking to the loan customer service department Account Supervisor who stated that the previously approved loan was loan was blocked for " income verification '' and that I would have to provide proof of income. The options offered were check stubs for the last thirty days and income statements. I am self employed and happened to have with me copies of XXXX checks paid to me by the consulting company that I work. I was told that those checks were unacceptable because they could not see any taxes being withheld from the payments, and that if I was self employed I would need to provide my XXXX or tax returns for XX/XX/XXXX. I asked the loan customer service rep repeatedly ( more than three times ) why I was approved for the loan but never informed that it was contingent upon " income verification '' until I came to the store to make a purchase, only to be denied credit at the time ( 5 days later ) of my purchase. I received no phone call, email or regular mail to notify me of this situation. Ironically, when I returned home from the store the home improvement project loan card had arrived via fedex to my home. The following day I had to provide copies of my tax returns to the loan customer service department, and only then was I granted access to the credit for which I was originally approved on XX/XX/XXXX. I still was not given a reason for the block on the original approval. I am deeply concern that there was no notification policy or real approval process for actually obtaining credit offered.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, XXXXennyMac Loan Services pre-approved me for a fixed-rate 30-year conventional loan for $ XXXX.On XX/XX/XXXX, the Sellers accepted my offer of $ XXXX to purchase their single-family home listed for {$590000.00}, which was built in XXXX. 

The Home Inspection was performed on XX/XX/XXXX, and the Home Appraisal was completed on or about XX/XX/XXXX. The Closing Date is XX/XX/XXXX. 

The issue I'm encountering is with the completed home appraisal. According to my lender, the appraisal management company, XXXX, is not releasing the appraisal stating they are pending revision from the appraiser and are not giving my lender any additional information or reason. This has been ongoing since XX/XX/XXXX. According to the lender, XXXX continually states the same reason, an incomplete appraisal. My agent assures me that he has never encountered a home appraisal taking this long to be submitted. 

It is now three weeks post-appraisal, and I am getting anxious that I may not be able to close on time and potentially lose the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Bank of America is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation