BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Investigation took more than 30 days

Complaint:
on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.

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 2016-04-04
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As a way of background the servicing on my mortgage loan was transferred in XXXX XXXX from XXXX to PNC Mortgage - In XX/XX/XXXX the homeowners insurance was due to be paid. As a result of incorrect payee setup the Insurance was incorrectly paid and my insurance was subsequently canceled. My insurance agent called me on XXXX XXXX to notify me of the cancellation and I contacted PNC Bank. After an hour on the phone PNC bank did confirm that the account was incorrectly paid and spoke with my insurance agent to say they would overnight a check. A half hour later they informed my agent that they could not send out an overnight payment as they did not have the ability to set up a payee timely. My insurance agent called me at XXXX and informed me that if a payment was not received by XXXX the insurance was not going to be reinstated and I would continue without insurance. I subsequently made the payment of XXXX dollars and as of today I am still waiting for my refund from PNC bank. I have spoken with multiple representatives, Supervisors and left multiple messages for the manager to call me. Throughout this process one thing has been consistent - not one supervisor or manager will call me back. After speaking with another representative today I found out that once again the incorrect agent was paid and no one can tell me when I will get the refund. As the refund amount is XXXX my having to front this money for PNC has become a hardship. Unfortunately this hardship does not appear to be any concern of PNC Mortgage as there certainly has not been any urgency on their part towards resolving the matter never mind simply giving me a call back. The fact that this loan was transferred to PNC has become a challenge for my wife and myself and a scenario that we wish had never happened.

Company response to consumer: Closed
Consumer complaint received 2015-04-29
Company: UNITED SECURITY FINANCIAL
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
United Security Financial is the most deceptive company I have ever dealt with. I have had to contact them about XXXX times in the past XXXX months. Seldom do I get a call back, never do I get a voice mail, they blame there sub-servicing company XXXX XXXX and have me contact them directly. My latest issue is that I paid my XXXX XX/XX/2015 payment on there web site over a week ago ( XXXX ) and yet it does not appear as paid online and the money has not be drafted from my credit union. I called USF and talked to XXXX XXXX on XXXX to inform them of the problem. He indicated he would look into it and get back with me. XXXX days later I have not heard a thing. I submitted an online request asking to have it looked into ( on XXXX ), and no response. This is the pattern for this company which is why I am issuing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX, my wife purchased XXXX vehicles with Ford, as part of our process to move to the US. I did n't apply with her because at the moment of the purchase, we were not married and I did n't have a social security card. one of these cars was bought with a loan from Ford Credit. In XXXX XXXX, once married and once I had accumulated enough credit history, we contacted Ford Credit in order to add me to the car loan. We applied and we provided all the information that Ford Credit required. After some conversations with their customer service department, we were required to provide a notarized copy of my social security card, which we did. Two weeks later, we got a letter ( attached ) stating that my request had been denied, but without clarifying the real reason for their decision. I had to contact them again, and they stated that they could n't provide this data over the phone, and that they could send us a letter with these reasons. We received this letter ( also attached ) 3 weeks later, stating that the application had been denied because they were " Unable to Verify the Validity of the Social Security Number ''. This letter did n't have any other information, except the customer service phone number. After reaching to them again ( for the 4th or 5th time ), they tell me that there is nothing that they can do, and that my only option is to send a formal letter disputing this decision. 
I find it extremely ridiculous that Ford Credit continuously wastes our time, diverting us with letters and making us call the same number again and again to receive different information each time and never providing a real answer, but diverting us and making us wait till we receive another useless letter, which will lead to another time wasting call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: ETHOS LENDING LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I were purchasing a new home and the loan was going through Ethos Lending in XXXX XXXX CA. An issue came up with our tax returns for 2014 where it turns out our accountant forgot to inform us that our Fed returns were rejected and sent back to him. It was not until Ethos asked about it that we contacted our accountant to find out the issue. At that point, he resubmitted the returns electronically and they were accepted. Ethos demanded that my wife or I go to the XXXX for a receipt confirming this. My wife spent 3 hours waiting in line at the XXXX to be told that since our accountant refiled electronically they were not able to confirm the receipt until the returns were reprocessed. This could take weeks or months to happen. We told this to Ethos and they would not accept what we were saying. We told them numerous times and even gave them the name of the XXXX person and our accountant 's information to confirm. It seemed like Ethos was dragging their feet with this non-issue and since we were days from the lock expiring it was even more obvious. The best part was that just after they charged us to extend the lock, this condition was signed off on. This was only XXXX of many issues we had with this lender. They almost costed us the home. The seller was going to pull out in a matter of days. To top it all off, our loan officer had conversations with Ethos 's sales rep and he told our loan officer that the charge would be refunded back to us after the loan went through. He forgot to tell us that he was leaving the company before this happened. Conveniently his boss had no knowledge of him saying the money would be refunded and they are not going to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my seccond endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-06-06
Company: Cottonwood Financial Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX : XXXX # XXXX & XXXX XXXX 
Wells Fargo Mortgage have been billing us in error during the Chapter XXXX bankruptcy XXXX NO : XXXX. The recurring monthly billing statement ( see attached Statement ) erroneously indicate the account is {$120000.00} in the rear or past due. 
According to the attached Trustee Financial Summary in Case NO : XXXX total of {$80000.00} was paid to Wells Fargo Mortgage which has not been credited to our account. The fraudulently file a Notice of XXXX on or about XX/XX/2016 claiming we owe {$120000.00}. Wells Fargo Mortgage XXXX XXXX XXXX XXXX filed a False Declaration of Compliance in XXXX certified under penalty of perjury to the XXXX XXXX XXXX XXXX to fraudulent initiate Notice of Default and Election To Sell Under Deed of Trust filed on XX/XX/2016 with the XXXX Recorder Trustee Sale # XXXX. 
Wells Fargo Mortgage is also in violation Pursuant to California Homeowner Bill of Rights, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. XXXX. XX/XX/XXXX ) & CFPB rules, effective XX/XX/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 2016-01-06
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We contacted a gentleman by the name of XXXX XXXX who works with American Pacific Mortgage about a VA loan to purchase a house. The escrow was originally set to close at the end of XXXX XXXX. It was then pushed back to XXXX XXXX because we had a short sale on our prior home XXXX of XXXX and for the VA loan it had to be 2 years. That was all fine but then the escrow date moved to XXXX XXXX, XXXX according to XXXX " just to make sure we can make the deadline. '' XXXX XXXX rolls around and we find out that XXXX had not ordered a termite inspection which is mandatory with a VA loan. Our agent called an inspector who was gracious enough to make us a priority and come out the same day. Escrow finally closed on XXXX XXXX with no help from XXXX but by the assistance of our realtor and his mother. When we went to sign the last of the loan docs and the statement said we would be receiving over {$2400.00} back in the form of a check and we questioned that since we had only put down {$1000.00} in good faith. When we got the check for {$2000.00}, we again questioned our escrow agent and she informed us that the mortgage company had given us a credit and this was how they were accounting for it. Just after XXXX, I received a call from XXXX saying that and internal audit had been done ( again, later in the process than normal ) and we had to return the extra money and he would e-mail me with details on how to do that. He never did. I did get a call from our escrow company saything that they had heard from American Pacific Mortgage about the extra money but she said she told them that she could not be sure if we still even had the money. She never mentioned bringing her a check. On XXXX/XXXX/XXXX, I received an e-mail from XXXX as a " follow-up '' about the Overpayment and he said that the VA was aksing for it and the escrow company said they did not have a check. I replied that he never e-mailed me to give me direction on what was to happen. He responded that the escrow office said they called me and that the check was to be returned to them. Thereby, in my option, blaming the escrow company for not informing me when he said he would. I did give a check to the escrow company in the amount of {$1000.00} that this morning, XXXX/XXXX/XXXX. It seems to me, that the mortgage company and XXXX XXXX should have been on top of this situation and not put us in the position of having to return money we questioned not once but 2 times. Buying a house is a stressful enough process without the loan officer forgetting things and then the loan company making a huge mistake. On top of that, founding out that we are responsible to return money the mortage company give us. This is just a poor way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: AURORA FINANCIAL GROUP INC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approved for a mortgage loan we found a house we loved everything was rolling into place paid out of my pocket {$1500.00} for inspections then was still told everything was good still with my loan then I put out another {$500.00} for a hot water heater that needed to be installed cause the water heater failed inspection. Everything was still approved had the go ahead from mortgage broker so my realtor was trying to schedule a closing date with my mortgage company. It was then at this time the Mortgage broker XXXX XXXX contacted my realtor and said it was n't going to fly that was all he said to my realtor that was in XXXX I still till this day have NOT heard from XXXX never contacted me to tell me what happened all of the sudden and why did it NOT fly when I put all this money into a house I thought was mine and my families I also called XXXX and left Several messages with him and he still has not returned any of my calls I am very upset with how XXXX XXXX from Aurora Financial group handled my loan and treated me as a customer purchasing a home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We requested to Green Tree Servicing to terminate PMI on our mortgage on XXXX XXXX because we have paid over 70 % out of the principle and PMI should be terminated immediately. The customer service told us that we have to do appraisal and we have to responsible cost of that to process any further on PMI request. As we do research the PMI should be automatically terminated after you paid over 22 % of the principle. Green Tree Servicing is trying to keep us paying on PMI which is technically illegal and they refuse on the process if we do n't do and pay for the appraisal first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The Bank of America credit card was fraudulently obtained in my name while I was incarcerated in Federal Prison. The account was open XX/XX/2015 and the current status is a charge off showing a balance of {$8900.00}. I have contacted the company with no resolution.

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 2022-10-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Collection agency : Receivables Performance Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: American Credit Adjusters
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:
In the third phone call I have received by the company within 24 hours, I was threatened to be taken to court, the representative XXXX XXXX exclaimed that " as a XXXX, I should pay my bills. '' She proceeded to tell me that I would have someone come to my job and or home to collect the debt from me. The first representative I spoke to said they were not trying to resolve anything, they were simply taking me to court, which I have yet to receive a summons for. The issue I continued to address with the parties is that the debt is not on my credit report and I have no one of validating the debt beyond what they were saying.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My issue is with Green Tree when I was having problems paying my mortgage. I have had issues with them repeatedly threatening me regarding my mortgage payments. Call me at all hours of the day, every hour. They took money from my bank account, when not authorized to do so ( I filed fraud charges with the bank and it was corrected ). They have forced me to pay the XXXX processing fee-in order to keep my house, many times over. They have refused to listen to me, or work with me in any way, called me a liar and threatened to evict me. 
I filed bankruptcy when my loan was still with XXXX XXXX XXXX, and I reaffirmed my mortgage at that time, they refuse to believe that, and have told threatened to evict me if I am 30 days late. They tell me I have to go back to my lawyer or the courts and get new paperwork for them ( it has been 4 yrs since filing ). They refuse to report my payments to the credit bureau, so my credit report shows this account is closed under chapter XXXX-when I am and have been making payments all along.

Company response to consumer: Closed with explanation