BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Columbus Capital Lending, LLC, Miami, FL Branch
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX, we made an offer to a house. We started the process with a Loan Officer from XXXX. On XX/XX/XXXX, he moved to another company, saying that he took our file and he will initiate it with a new company called Colombus Capital Lending LLC, well. Due to his transfer, he never started our file really, and started at Colombus. A commitment letter was sent by the lenders to all the parties. We had to close by first week of XX/XX/XXXX originally. By XXXX he asked for a first extension. We provided him with all the paper work through the whole process. Both parties, sellers and buyers were committed to continue. Extension was for one ( 1 ) more week, by then a second extension was required by the lender. For this second extension the sellers asked for an approval letter from the lender saying if buyers were approved or not. A new commitment letter was provided from the lender with new conditions, this documentations were supplied by us and conditions were covered. By end of XX/XX/XXXX a third extension was ordered. Every week was a different argument or paper needed. Nothing happened in the meantime, file came out of underwriter with a closing discloser sent by lender and signed by us. By XX/XX/XXXX a forth extension was waiting for a clear to close. Three ( 3 ) days before the scheduled closing date, XXXX asked us to pay 2 credit cards ( without interest APR ) and a complete lease of a vehicle to be approved. We paid almost {$6000.00} in payments in addition of course of appraiser and inspection. By XX/XX/XXXX, we received a denial latter because of employment time and accounts with balances. Which could have been easily the reason to deny us at the pre-approval stage, which was on XX/XX/XXXX. Now we have 6000 less plus 5000 of deposits given to the sellers and in jeopardy of losing. We dont recommend neight this two companies, since they both have a history of employees jumping back a forth. Currently, some employees of Colombus capital are in the process of going back to XXXX. If you want an advise? do yourself your homework on the requirements of each mortgage program and work for that, afterwards go to a real bank or a serious, more respectful private lender to start this important step in your lives. If you ask us today how was our experience, even if we had an approval of the loan, it was the most stressful and painful process in our lives. Families buying flight tickets thinking it was " this week that we close ''. Move boxes made. Do your homework before sitting down with someone who most of his/her salary comes from the commision of your loan. Loan officers make up to 3 % of the amount of your loan. Dont trust no one, is a tricky industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Mobiloans, LLC
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In a time of financial hardship, I turned to the internet in search of a personal loan. I ran across many websites which purport to lend installment loans at a much higher interest rate. At that time, I was unaware of the usury laws which protect consumers of NJ from loans with interest rates above 30 %. I was in such dire need that I applied for numerous online installment loans and was approved for all three. I made payment religiously whenever they were due, however, I was recently made aware by the attorney I work for that these loans are illegal and that most likely none of these lenders is licensed to lend monies in NJ. Any money owed to this company was paid well over the amount borrowed. The interest rate charged was well over XXXX %. This complaint is for one of the companies, however, I will be submitting separate complaints for each of the lenders.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. 
I have never lived at the address for which I am being billed. 

I previously made this info available to the first collection agency in XXXX XXXX. Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX CREDIT REPORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay.

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 2016-01-31
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am attaching additional evidence for Case number : XXXX and Case number : XXXX. I can only create a new complaint as there is a glitch in the system that does not allow me to log in or create or reset the password in order to update or review standing complaints. 

I am attaching evidence from XXXX XXXX to show that they return the LATE payment Firstbank tried to send for my Hazard Insurance. I had already paid XXXX directly because to me Firstbank had already began to steal money from the escrow account so that they can charge me forced place insurance and line their greedy pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: LENDING COMPANY, INC., THE
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly received invitations to apply for a modification and when I call to inquire, I am told that I was reviewed and did not qualify- however when I asked what was used to determine my qualification- there is no response. My concern is how could I have been reviewed if I was denied at the same time I was told more proof of income docs were needed, how could I be properly reviewed and denied in a matter of days? I sent in my application on XX/XX/XXXX and was denied a few days later ( as I was being asked for more documentation ). I have received incorrect information from my point of contact XXXX. He seems to take things very personally w me and is very rude and difficult to communicate with. 
I am requesting to submit settlement plan, but my representative has not sent me any detail on how to do so. I have received incorrect information from my point of contact XXXX. He seems to take things very personally w me and is very rude and difficult to communicate with. I have also advised SLS that I am experiencing COVID hardship and they were previously advised that I was affected by the CA Wildfire disaster of XXXX & XXXX. Both of which garnered no response from SLS. 
Furthermore an offer was submitted in XX/XX/XXXX, w a required down payment in XX/XX/XXXX and a notary- during the height of COVID 19. When we were under STRICT stay at home orders.

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 2022-02-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step. 
the only inquires that should be reporting on my account should be : 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 2016-04-21
Company: BAM Financial, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
They are calling anyone with my last name leaving messages that they are coming to deliver papers to me and they he will stop buy my place of work again to deliver these papers. At which point, I will need to have XXXX forms of id and a person from our HR department verify who I am in person. 

They also are utilizing intimidation tactics saying that we can stop this legal process by calling their call center back. At which point, you are even threaten more, with being arrested for not paying debts. They also even threatened to tie my debt to my children 's credit reports to prohibit them from being able to perpetuate my lifestyle in the future. 

It 's a complete scam, because as I ask for proof of this payday loan, they hang up the phone immediately after saying you know you go that loan, stop playing.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-11
Company: FastBucks
State: NM
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Fast bucks made a draft check submitted to my bank account with out my ok they paid loan off {$480.00} i was not notified about this transaction my bank information was not to be used in any form of payment! i was only One month late i always paid on time with debit card or cash called fast buck employee said district manager would call me back and she never did!! So wrong! thank you! also filed complain with bank they are investigating also

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Citi Management Group, LLC
State: NH
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I never received any money from a payday loan company that is claiming we received a loan in XXXX of XXXX and made a payment in XXXX XXXX. An arbitration company called me 6 times in the past week ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ) in an attempt to collect this debt. The source of the call was XXXX XXXX XXXX XXXX in XXXX, Arkansas. 

I stated that I suspected the loan was fraudulent, as I had filed for bankruptcy in XXXX XXXX and my bank statements had been subject to intense scrutiny during that time period. The man I spoke to refused to notate that I suspected fraud and instead said I " claimed to have never received a payday loan in my life. '' He told me he would not notate my account because having a bankruptcy would " make this all go away. '' He told me I had 48 hours to contact them with the case number in order to stop debt collection from proceeding. 

I know this because I called back about ten minutes later with the bankruptcy court case # and got a different woman who read aloud to me, verbatim, the notes the man made on the account. She told me that the account had already been closed " for once '' and when I tried to get her to notate the bankruptcy court case " for peace of mind '' she lectured me on the proper way to deal with fraudulent loans and reiterated that " it all went away when the account closed. '' I had to ask several times for her to please put the information on my account before she would do so. 

I have contacted my bank to inform them that they should be on the alert for possible fraudulent transfers, as this company had my former address, where I banked, where I used to work, and my husband 's name. I advised them that I thought the demand was fraudulent both because I never received or sent funds to a payday loan purveyor and because I had a bankruptcy open from XXXX/XXXX/XXXX. 

I have statements from my husband 's account from XXXX XXXX in case you need to verify that we never made a payment. No other bank accounts were active for us at that time.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
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:
On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over the lawful time soon to 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-05-29
Company: EQUIFAX, INC.
State: NY
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:
My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX. This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my equifax report because it was confirmed to be deleted however XXXX is still not removing it. And XXXXXXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I learned in 2013 a company named XXXX had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to Lloyd and McDaniels and I wrote Lloyd and McDaniels and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.

Company response to consumer: Closed
Consumer complaint received 2017-03-22
Company: Campus Student Funding, LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a private student loan from XXXX, under false pretenses as a former student at XXXX University. I have written to CFPB about this issue several times already. However, I was informed by both the U.S. Department of Education 's Ombudsman, as well as the Florida State Attorney General 's Office to contact you again, due to the latest update on Private student loan forgiveness through the XXXX. I was recently contacted by the U.S. Department of Education that my Borrower 's Defense Claim for my Federal student loans has been approved, and that my Federal Direct Student loans will be forgiven. I now ask the CFPB to assist me with getting my private student loans forgiven with XXXX or Campus Student Funding ( CSF ), formerly XXXX. I will also like to be reimbursed for all out of pocket payments I have been making towards my private student loans to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Hunter warfield is refusing to return a {$500.00} check that was mailed to them to settle the debt and remove their collections from all credit bureaus. 
Hunter warfield has stated that they were hired by a separate company to collect debt on their clients behalf. I have spoken with a collections agent as well as the supervisor and neither have been very helpful in resolving the issue regarding my delinquent account. I have sent a pay for deletion letter certified mail to the corporate hunter warfield office and have received no type of response or acknowledgement that my cashiers was received as well as my letter. The cashiers check of XXXX dollars was sent as a settlement amount for the debt they were trying to collect on. I stated in the letter that if the settlement amount was acceptable they were free to cash the check as long as the debt was removed from all XXXX credit bureaus that they were reporting to. It has been past a month and my check has not been returned nor has my collection account been removed from my reports. 

I have received constant increases on my debt since contact which i believe to be a harassing method of collecting on a debt. After my cashiers check was mailed my debt increased on my credit report from the amount of {$2100.00} to the amount of {$2100.00} on XX/XX/2017 via my XXXX account. The following week i received yet another increase on my debt from the amount of {$2100.00} to {$2100.00}. I am now in fear that the supervisor i spoke with by the name of XXXX has increased my debt continually as a way to negatively hurt my credit report until I pay the settlement amount or agree to let him keep my check without resolving my debt.

Company response to consumer: Closed
Consumer complaint received 2017-03-15
Company: Tri-State Adjustments, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received any notice will pay off Dept just need to know how

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 2015-07-10
Company: CORELOGIC INC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you!

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