BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: SIGNATURE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were referred to XXXX XXXX ( NMLS # XXXX ) with Signature Mortgage. We went through the motions to buy a home and received a pre-qualification letter to proceed on the purchase ( credit pulled and letter received XXXX 2015 ). We found a home in XXXX and put in an offer. The offer was accepted on XXXX XXXX, 2015. The purchase agreement was sent to XXXX and the loan was on its way. XXXX told us that while he was n't familiar with this type of loan ( rehab loan ), he could get it done. Weeks went by and we were working diligently to produce the architectural plans ( hired an architect ) and the bid for the project. These were sent to XXXX XXXX XXXX. Many updates were given by XXXX to the Seller 's agent and to myself that lead us to believe that this deal was moving forward. I spoke to XXXX on the phone XXXX XXXX and he told me that he was working hard on my deal. Still no appraisal had been ordered, no paperwork had been given regarding the loan and no commitment letter was issued and time was ticking away on my contract. We asked for an extension from the original close date of XXXX XXXX to XXXX XXXX. The seller 's agent called his office on XXXX XXXX and spoke to his manager. The manager XXXX XXXX told him that he had no evidence that a loan application was ever made for myself and my husband. This was a huge red flag. The seller 's agent called my agent who then called me. I called and left XXXX message for XXXX XXXX and forwarded him the first and last email from XXXX stating that this loan was moving along. XXXX returned my call the next day XXXX XXXX and told me that there was nothing he can do for me, they do n't even offer these types of loans and that they ( Signature Mortgage ) have not violated any laws. He also told me that they were not liable for anything and that I should 've known that the loan was not pending because I am a real estate agent. Then that very day there was a hard credit pull for both my husband and I from Signature Mortgage. They pulled our credit without permission even after XXXX told me that they were n't working on my deal. 

I have not spoken to Signature since the phone call on Friday morning at XXXX with XXXX XXXX. 
We have spent money on this deal - architecture and escrow money. We are working on salvaging this deal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Someone keeps trying to get a XXXX card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX card. I applied in XX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.

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 2016-07-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
1 : impossible to communicate with this company. 
2 : web site frequently down 3 : when I submit messages, an error occurs and it is not sent and i am asked to log in again. 
4 : I can not get pdf files of my monthly statements without ReQUESTING them, waiting 48 hours for an email link. For a year I never saw the email link.They finally just mailed me -TWICE -a year 's worth of paper statements. I prefer instant analyzable transparent pdfs!!! 
5 : It 's XXXX XXXX. I tried to " contact them '' via their message board and the message, once again, had an error. 
Not receiving instant access to legible PDFs makes me not understand what I owe. The excel stuff is ok but not for analysis.

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 2016-02-05
Company: OLD NATIONAL BANCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Old National Bank took out an overdraft fee of {$38.00} after I deposited a {$80.00} Money Order which was not suppose to happen. 
Problem Date : XXXX/XXXX/2016 Amount removed : {$38.00} Overdraft Account taken from : Checking Account Account # taken from : XXXX Company who took it : Old National Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collection company only gave me 10 days to respond to the court regarding the attorney 's lawsuit against me and my wife. In addition, the last two days of the 'answer to the court ' landed on a weekend. The court is closed on the weekend. Therefore, I actually only had 8 days to respond.They are suing my wife as well, even though I am the person that signed for the medical financial document. I called the collections company to work out a reasonable payment plan and they refused to negotiate, and proceeded to get a judgement through the court against me almost immediately, after I spoke with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AFNI INC.
State: NJ
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:
I have spoke with XXXX on this years ago!!! A phone was put in my name and the bill was never paid!! This should not be on my credit report!! I advised to my Attorney on this and will try this option first before the next steps!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TN
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:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking for several years with Regions Bank XXXX XXXX XXXX FL XXXX. 
They have an unfair practice of deleting the largest withdrawal first from our account and then the smaller ones. So If you have XXXX large and XXXX small ones what happens if our funds are border line the larger one will be cleared and most of the smaller ones will not be cleared and then we are charged {$36.00} per t transaction!! If the smaller ones are cleared first there is a good chance that there may only XXXX {$36.00} NSF rather than XXXX. This has put a serious burden on us. 
We do live from paycheck to paycheck and try very hard to have sufficient funds available but with this unfair practice they are ripping their customers How many banks follow this practice and is it legal? 
off big time. This has gone on for several years and we are tired of it. 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 2016-02-27
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.

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 2016-04-14
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recieved a letter from Carter-Jones Collection approx. XX/XX/2022, for an alleged debts in the amount of {$190.00} and & {$1600.00}. I sent debt validation letters via Priority mail on XX/XX/2022. on XX/XX/2022 I received a letter from them restating the debt, the amount, original creditor 's address, a page with XXXX XXXX XXXX XXXX letter head with SOMEONE ELSES NAME, BUT NOT the information I requested. They did not send a signed contract or any verifiable information stating that I am responsible for this person 's alleged debt. I have never signed anything stating that I am responsible for this person 's alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied at Wells Fargo for a {$50000.00} equity line of credit on my manufactured home. Was " conditionally '' approved. Then received email stating they do not do " manufactured homes ''. 

l am finding no one will give me a equity loan on my manufactured including XXXX and XXXX. 

This is discrimination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: ClearOne Advantage, LLC
State: LA
Product: Other financial service
Sub-product: Debt settlement
Issue: Disclosures

Complaint:
I sign on with ClearOne Advantage debt settlement program, XXXX. 2015. When I signed on with a rep name XXXX XXXX, I asked several questions about this program. In the conversation the questions asked several times if there will be a fee link to this service, 3 times I was told " we never charge a fee ''. Now I am being charge a XXXX % fee each time a creditor is paid. Then she indicated do no worry we will handle everything, contact creditors sure they are taken care of. They did not explain that in order for the creditors to be paid/settled that I had to " reverse '' money in order to start working with them. 
Now I am face with a creditor wanting to send me to collection because of their " false '' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have received XXXX phome calls from ( XXXX ) XXXX in the past two weeks. They only ask to speak to me by name, the XXXX time they had gender mixed up, they ask for my address, date of birth, and other information and refuse to tell me what they are calling about at all until I give them the information. I asked who they are and the first time they declined to tell me anything, just that it is, " A personal matter. '' I googled the number and found it to be " Professional Credit Service '' which was littered with reviews and complaints ranging from scam, to rip off, to incompetent. The XXXX time they called, they told me they were from Professional Credit Service, but woild not give me any more information. I have asked them to stop calling if they are unwilling to tell me what they are calling about without soliciting my personal information. 
I suspect they will continue to call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: D2 Management LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
From what I can tell, someone is selling my information to fake debt collecting companies. These companies then proceed to call with threats of impeding arrest, and demands for immediate payment with no written correspondence. 

They are calling my parents threatening that I need to call them else they will hand deliver warrants at the home or that I need to schedule time at my place of work and have both my manager and security personnel present for document deliveries. All these actions are harassing and breaking the law as I understand the Fair debt reporting and collection act. The latest company is calling from multiple numbers from Rhode Island.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a student loan with Navient. I requested my accountt be placed in forebearence or deferment I forgot which XXXX. I always stay on top of my student loans as they always remind me when its going into repayment. Out of no where they placed this account with negative remarks on my credit after I just brought my credit score up. I immediately called them and informed them that this is their mistake and it should have been in non-repayment status. They agreed to fix it. they put it back in good standing but not after damage was done. They are still on my credit with negative remarks and I want to know what can be done because this was not my error and I worked all year round to fix my credit for their " error '' to knock it down over XXXX points ''. Something needs to be done please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company refused to provide verification of debt nor any details about the debt. We made a good faith effort to find out what this debt even was. " XXXX, '' the first agent was given the account number and was able to pull up my name. We asked several times to disclose to us what this debt was for. She insisted on acquiring personal information which we stated from the start - we would not disclose ANY personal information until we were able to verify the validity of the debt and the authenticity of the " collection agency. '' She already had an account number and my name. 

My advocate asked to speak with her supervisor, we were on hold for some time ; when " XXXX '' did finally come to the phone, we explained in detail what happened with XXXX. XXXX argued with us that we were required to provide personal information to her. Under the Fair Consumer Protection Act I know this is indeed not true. It is my right to protect myself and request validity of their identity and supporting documentation proving their claims. XXXX refused and argued, she would not provide verification of the debt, she became aggressive, she threatened me with a judgement ... again without any verification of the debt and the call was abruptly ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Commonwealth Financial Systems, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Sale of account

Complaint:
The store solicited me to open an new HD credit card account. Never received the bill or credit card, and went to the store with purchase receipt and application package demanding for payment. After store associate called the bank, {$25.00} was confirmed as minimum payment without financial charge, and paid {$25.00} in the store on XXXX XXXX, 2016. However, received the statement XXXX XXXX that stated posted charge of {$30.00} late payment, {$13.00} for the finance charges. I paid off the rest of balance on my account on XXXX XXXX. Complain : No bill for the payment, charge is not transparent, the benefit interpretations was misleading, solicitation for the opening HD credit card with fake benefit.

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 2016-07-12
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold Checking Account with a promotion where I was to be awarded XXXX XXXX XXXX miles upon meeting certain requirements including a {$1000.00} spending requirement in debit purchases and two bill pays. The points were to be posted within 90 days of meeting these requirements. I have contacted Citi multiple times and created multiple inquiries to resolve the issue and they have yet to post the miles. The requirements were met in XXXX and it was verified by a Citi representative that the points would post in the month of XXXX. On XXXX XXXX, Citi randomly closed my CitiGold Checking account and refused to cooperate with me on any further inquiries about the points because the account was now closed ( that I never requested to be closed and they can not figure out why it was closed ). See attached for screenshots of my inquiries and their request for me to provide my XXXX number, which I did promptly over the phone.

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 2016-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been trying to pay my balance of {$8.00} and cancel my Macys credit card and every attempt is either blocked or disconnected. I have also been advised that I now have XXXX Macys credit cards, though I only signed up for XXXX. 

When I attempt to access either account online, I am told my log in information is incorrect. The system will not let me reset my password. 

When I contact Macys by phone at XXXX XXXX XXXX, XXXX XXXX XXXX, and at XXXX XXXX, the call drops right after I enter my account information, or the representative hangs up on me. 

I am not sure how I can pay my balance/close my account if I ca n't reach anyone.

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