BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have owned my home for 10 years. PMI was scheduled to be removed last year automatically when the original LTV reached 78 %. I applied for XXXX assistance earlier the same year and qualified for a very small adjustment ( & lt ; {$100.00} per month ) This apparently reset the timer on the PMI clock, but I was never made aware of this stipulation. ( My current PMI payment is {$200.00} per month ) Basically I used XXXX to save {$100.00}, yet continue paying {$200.00} indefinitely. Seterus will not remove PMI or provide me with an automatic removal date. I have never missed a payment and make plenty of money, the XXXX PMI each month is an insult that makes me consider walking away from the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

Wells Fargo shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. Wells Fargo let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.

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 2019-11-23
Company: LDF Holdings, LLC
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:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a Dept Balance of XXXX from Portfolio Recovery Associates , LLC. 

The Dept was charged by XXXX XXXX XXXX. 

The purchases were made outside of the state I live in & I have never had a XXXX XXXX Bank account. 

Please help resolve this issue. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2017-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
A. XXXX XXXX, 2017 B : TO EQUIFAX XXXX XXXX XXXX XXXX XXXX 
1. XXXX XXXX BELIEVES EQUIFAXS INCOMPETENCE AND NEGLIGENCE CAUSED HACKERS TO GET HIS INFORMATION. 
2. CONFIRM YOU LOST CONTROL OVER MY INFORMATION TO HACKERS. WHEN AND WHERE BY WHOM? 
3. YOU COLLECT INFORMATION OVER WHICH I HAVE NO CONTROL BUT ARE NOT REGULATED. YOU HARM WITHOUT ACCOUNTABILITY. 
4. LIST LAW FIRMS WITH CLASS ACTIONS AGAINST EQUIFAX FOR THEIR INCOMPETENT BREACH OF DATA HARMING 5. WHAT MONEY ARE YOU PREPARED TO COMPENSATE ME WITH FOR MY PROBLEMS? 
6. SEND ME FREE CREDIT REPORT AND CREDIT SCORE NOW. 
7. ATTACHED IS ID. 
XXXX XXXX LIVES AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BUT ALSO GETS MAIL AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage co, XXXX, filed for chapter XXXX and my mortgage was sold to Shellpoint mortgage services. Although my loan was in good standing with XXXX immediately Shellpoint declared me in default with intention to accelerate. My subsequent payments to Shellpoint have not been credited to my mortgage. They are billing me for forced insurance after I obtained private insurance and notified Shellpoint, which their insuance dept.acknowledged. Phone calls have been useless. I have sent copies of my bank statement as proof of payment. Shellpoint received these documents XX/XX/2020 but have not acknowledged them. My latest billing from them shows 0 payments since they took over XXXX. My money seems to have disappeared into Shellpoints ' rabbit hole.I have tried several times to contact one of the various point people they have listed but I have not ever been able to speak to any of them, even after 20 to 30 minutes on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a continuation for case # XXXX # XXXXDiTech Financial, LLC f/k/a Green Tree Servicing - Account No. XXXXThis letter is regarding your response to my complaint. 
We requested a loan modification in writing. The owner of our loan provided no explanation as to why we did not qualify for a loan at the time of our request. Furthermore, they did not provide us with any other options besides payment deferrals, at the time of our request. We believe that the interest rate was predatory. 

Our account is actually overpaid. Attached are payments that were not posted in the documentation you provided. Each of these payments should be posted to our account. And interest for each of these should be credited at 12.99 % or the interest rate charged for the loan and compounded annually as they were not posted. 
In the previous response, you did not address the harassing phone calls neither did you provide an explanation for the miscellaneous charges or legal fees. 
The bankruptcy issued needs to be address also, I filed in XX/XX/XXXX and had a XXXX in XX/XX/XXXX. The balance on the account is NOT DECREASING. We did not have any payment deferrals during this time, we paid bankruptcy and regular payments to Green Tree during this time. As of today, the balance is XXXX, why is there not any payment being applied to the balance? We have had this loan for sixteen years, bankruptcy included arrears payments which should have brought the balance current to sixteen years. 
Insurance, I see that payments were applied to insurance in XX/XX/XXXX, XX/XX/XXXX, etc., We had home owners insurance with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, policy number XXXX, there should not have been anything applied to insurance during this time period. ( Attachment K, XXXX XXXX Policy ). There are transactions listed on your History Report were payments were credited to Insurance. 
As a loan service provider you have a responsibility to assist consumers when you see them financial distress and they should reach out to you. Those responsibilities carry over with each service provider and should be taken seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX I decided to check with my wife, XXXX on what she was buying at Walmart that was running our credit card bills so high. I had my XXXX statement out and review each purchase on the Statement with her online orders. We discovered 5 charges that were not made by her, all online orders. I reviewed all the statements we had received since we opened the account in XXXX of XXXX and found fraudulent purchases on every statement totaling {$2200.00}, again, all online orders. 

I called XXXX XXXX, which was the issuer of the Walmart card about these discovered charges. I provided their fraud department with every charge that we found on the statements that were fraudulent and the told me they would investigate and get back to me, and the investigation would take about 90 days. 

The following month in XXXX of XXXX XXXX sells the account to Capital One and new cards were issued. As of today, I had not heard anything about the investigation that XXXX was supposed to be doing so I decided to call. I called the number on my old statements and it directed me to Capital One so I gave them the story about what had happened. I was told that they didnt any record of it and told me that I needed to contact XXXX since it occurred when they owned the account. 

I called XXXX and was told that all the information was transferred to Capital One when they sold the account and they had no records of the fraud claim. So here I am apparently in this black hole, unable to resolve this issue since nobody is taking responsibility for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/18 Exeter Fin made an unauthorized fraudulent hard inquiry to my XXXX  report. XXXX  has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX, I opened a new account with Huntington Bank only had and account with XXXX XXXX that transferred their accounts to Huntington.

I never personally applied for a Huntington account until XXXX XXXX At that time I was promised {$150.00} if I made a deposit for {$1000.00} within 60 days and in 90 days if the account was in a open status. Within 14 days the {$150.00} would be deposited into my account ending XXXX.

I spoke with several people that the calls were recorded in XX/XX/2022 that I would received those funds. 

Never received the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have a prepaid XXXX card for unemployment benefits. I have the Bank of America app on my phone but got email that I need to go to website to confirm my checking and routing numbers to have the money transferred to my XXXX account. I can not sign in to the website as it says my security information is incorrect. I have tried to call the telephone number being on hold for over 30 minutes and then disconnected. I have been on hold 5 times now at all different times during the day. Now I am not even able to hold the recording simply says they are too busy. I have money in the account that I am unable to access. I have written two emails to Bank of America detailing the problem and received instructions to call the same number that I have been calling all week.

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 2019-10-21
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got a text message the morning of XX/XX/2019 as follows : Bluebird : You have opted out for Card ending in XXXX. You will no longer receive text messages from the Bluebird program. 

This was not a request initiated by me. When I tried to log onto my account online I received an error message that my account was locked. When I called the bank the representative unlocked my account over the phone after verifying my credentials. To my surprise my money was missing. There was a transfer from my savings/set aside account to my checking account for {$1600.00}. Then a money transferred out of my checking account for the same amount. I did not initiate either transaction. 

When I notified the representative of the missing money they transferred me to the fraud department. In that transfer I was hung up on. I called back and was hung up on again. On the third call I asked for the direct number for the fraud department and in transfer I was hung up on again. This time I called the fraud department directly. 

I advised them of the unauthorized transactions. To my surprise it was an internal transfer from my account to another account holders account at the same bank. I pleaded with the fraud representative to stop the transfer and was told it would take 10 business days. 

I believe the bank should have did due diligence by placing a hold on the other persons account immediately until verified that I authorized which I did not. The fraud rep refused to or had no ability to retrieve my money from this unknown to me account holder. 

Because it was a internal transfer the bank has the exact persons information that committed fraud against me but did nothing to stop it. No one has my credentials to make any transactions on my account. I believe this was an inside job and that an employee of the company with access to my information is involved. 

Dispute my fraud dispute I want an internal investigation to see if an employee is behind this fraud against me. I have also filed a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am XXXX XXXX XXXX through the XXXX/VA and state/SSI. They call before and after the allotted times. They also try to avoid saying they are collecting a debt and using shady tactics to collect information from me. They try to say they are different business as well, often. The name of the company is Progressive Management Systems. Todays date is XX/XX/2020. They have called the past 3 years through many phone numbers and have tried to contact my family as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refi with Amerisave in XX/XX/2020. I have had to pay {$500.00} upfront. Service was extremely poor. Almost no communication. I was told by the loan offer I was approved. After several months of calling and providing constant updated information I get a call from a supervisor that I dont qualify. Im shocked at the sheer inept service and the lies. I was told originally that I qualify. I would not have wasted my time and money with Amerisave had I known otherwise. 
Extremely unhappy. 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I can not get ECMC ( Educational Credit management Corporation ) to help at all. I have been in daily communication with ECMC since XX/XX/XXXX. ECMC is wanting to increase the amounts agreed upon. ECMC has been calling nonstop to my workplace, home phone and family. They have sent emails to my workplace as well. I have spoken with them on the phone and they are rude and unprofessional. I try and communicate through email so that I can have an electronic method of tracking our communication, but they only want phone correspondence. I established a payment plan through ECMC and they are also wanting to garnish wages starting on XX/XX/XXXX for these loans as well. 
My loans were in forbearance with XXXX, except for the ones that they got possession of. I was told by XXXX that those were mistakenly not put into forbearance status. My position now, is that I am paying XXXX, XXXX, ECMC through a payment plan set up through their site. I will also have my wages garnished on XX/XX/XXXX. I have XXXX special needs kids that I adopted so I do not have money to just give to ECMC. I can not sell my house either like ECMC has suggested. Any help in this matter would be greatly appreciated. 

Thanks for your time. 

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