BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They are unable to provide a paper trail for transfers between accounts and account holders. As such, I have 2 deposits made into my checking account that they are unable to determine the origin of. Unknown bank transactions. This bank has no idea where the transactions are coming from???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX of XXXX XXXX XXXX XXXX assisting my client, Mr. XXXX XXXX with his mortgage issue regarding Select Portfolio Servicing, Inc. known as SPS. Mr. XXXX loan number is XXXX and the property address is XXXX XXXX XXXX, XXXX ( Or XXXX XXXX ), CA XXXX. I recently got acquainted with Mr. XXXX after many years of him fighting a losing fight with SPS and after being placed on a 12 months repayment plan that doubled his usual monthly mortgage payment with a hefty balloon payment at the end of such repayment plan of {$88000.00}. According to Mr. XXXX, his usual monthly mortgage payment is {$2600.00}, but the 12 months repayment monthly payment was {$5200.00} and Mr. XXXX judiciously made these payments for the 12 months. Mr. XXXX have requested for loan modification or any loss mitigation assistance from SPS on numerous occasions, but to no avail, but instead, he has been threaten with foreclosures and have been actually been placed on foreclosure and it's currently in foreclosure after making the 12 months repayment plan that is actually a 24 months mortgage payment. I submitted the refinance to XXXX XXXX XXXX ( XXXX ), but was declined due to SPS submitted payment history and later attempted to submitted to XXXX XXXX and was also decline due to SPS placing the property on foreclosure and this was discovered when XXXX XXXX demanded for the credit supplement. SPS dealings with Mr. XXXX has been horrific, insensitive and unlawful. The placement of excessive fees on the loan, the balloon payment at the end of the repayment plan and the doubling of the repayment monthly payment is just inhumane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rash Curtis & Associates are reporting an account on my credit report. I have sent debt validation/dispute letters via certified mail to them which has failed to comply with California State laws by properly validating my debt pursuant to the California Fair Debt Practices Act ( CFDPA ). 
In addition they have failed to properly mark my account disputed pursuant to the CFDPA. They prepared negative and inaccurate information to credit reporting agencies concerning my credit. I notified them twice via certified mail in regards to the accuracy of the information, however, they have continued to report inaccurate information on my credit report. They have negligently and willfully failed to comply with the requirements of the CFDPA, including but not limited to : California Civil Code Division 3, part 4, title 1.6 1785.25 ( a ), ( b ), ( c ), ( f ), 1785.26 ( b ), ( c ), applicable remedies as follows : 1785.31 ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ( D ). Title 1.6C. 1788.17 ( which in accordance with the Rosenthal Act is inclusive of original creditors such as Rash Curtis & associates, and inclusive of the following violations pursuant to the FDCPA 15 USC 1692 ) 807 ( 2 ) ( A ), 807 ( 8 ), 807 ( 10 ), 808 ( 1 ), 809 ( b ). Applicable remedies as follows : 1788.30 ( a ) ( b ) ( c ). Title 1.6C.5. 1788.52 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ), 1788.52 ( b ) ,1788.52 ( c ). applicable remedies as follows : 1788.62 ( a ) ( 1 ) ( 2 ) ( c ) ( 1 ) As a result of their failure to comply with the requirements of the CFDPA, I have suffered, and  continue to suffer actual damages, including economic loss, denial of credit, lost opportunities to receive credit, damage to reputation, invasion of privacy, degrading social standing and emotional distress for which I seek damages in an amount to be determined by the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-04-07
Company: EVERBANK, NATIONAL ASSOCIATION
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:
I applied for and opened a TIAA Bank checking account on XX/XX/XXXX. I applied under a {$250.00} promotional bonus offer, which required qualifying direct deposits of at least {$1000.00} within 90 days of account opening. I successfully fulfilled this requirement by having an employer payroll direct deposit of {$1000.00} posted on XXXX. 
The promotional offer terms stated that the {$250.00} bonus amount would be deposited into the checking account within 120 days of account opening date. The 120 days date for my account would have been XX/XX/XXXX. This date has now past and no bonus has been credited to my account. 
I sent TIAA a secure message on XX/XX/XXXX within my online banking account inquiring about the status of my promotional amount being credited. TIAA bank took 4 days to respond to my message, only to inform me that I am not eligible for this promotion. I find TIAA Banks response to be unacceptable and deceiving as a customer because I applied for this promotion from a public offer landing page and successfully signed up and completed all stated requirements. Only after I followed up via secure message to inquire on the status of my promotional being credited to me, was I then told that I am not actually eligible for this promotion, which makes no sense. It is ridiculous to me that the bank can only tell me this after I followed up, when it was previously communicated by approving my account and allowing me to apply for a checking account from a {$250.00} promotional page that all signs pointed to the fact that I am indeed a properly eligible and qualified customer for this promotion. 
With consideration to the information provided above, I respectfully request that TIAA Bank rightfully issue the {$250.00} promotional amount to my checking account as part of the offer I signed up with and successfully fulfilled the requirements for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
At XXXX, on the date of XXXX/XXXX/2016, My wife, made a deposit to our business account through an ATM at Suntrust Bank in XXXX XXXX Florida. ATM ID XXXX. After depositing the checks into the ATM and submitting the deposit, she was returned an error receipt stating that we should contact customer service. Important to note that the checks entered into the ATM were not returned and were held inside the ATM. At the moment I was informed that night, I made a call to the support center and was assured that the deposit would be in the account the following day. I went about making regular purchases for my business and was greeted by a horde of overdraft charges. The money never was deposited into the account. After calling many representatives, I was granted a temporary provisional credit of the money deposited and the fees were waved. After three months, my provisional credit was removed, unannounced, and the account fell back into a negative balance. Support claims ATM was audited and checks were not located. Also stated that the ATM adjusters were internal and I am not allowed to speak to them, if I have an issue with their judgement, to appeal. I am certain that this information is not true and correct. I doubt the institution even bothered to check. ATM has a camera and would have seen my wife making the deposit in her vehicle at that time. I am refusing to pay any fees or the value of missing funds to to Suntrust 's negligence and poor customer care.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX equifax data breach and was also leaked in the XXXX  XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX XXXX data breach and was also leaked in the XXXX  XXXX data breach.

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 2016-09-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I woke up to a collection call from Ally financial at XXXX in my time and they left me a voicemail. My understanding is they are only allowed to call after 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 2016-07-22
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Case number : XXXX I 'm having problems with login and no password has been emailed to me. 
As of two days ago I have received letters from XXXX and American education services, they have denied me again! ( From AES : We reviewed your application for loan discharge due to an unpaid refund and determined that you are ineligible or that additional information/documentation is needed ). They denied me due to missing information, and texas workforce stated they ca n't provide any records and I have called all over XXXX, texas no one is n't helping me to locate the attendance records, and refund from the school? So where is the help this is unjust, I have call state agencies, U.S. Dept. of education, and state district NO HELP! I 've even tried to speak with the Loan servicer of AES all they can state is you signed a promissory note, yes but where are the documents? where is the refund? I really need help assistance, because the school had closed and I have n't received the funds back from the school? I have paperwork that was giving to me, obviously someone is either hiding the true facts of my records/refund from the school? I do not have a certificate, and If i did have a certificate I would be working as a transcriptionist.I have n't graduate from the school, if there is no records of me attending the school why i 'm I paying on a loan that I never exist at this school? 
Even more they had me assuming that I have to payback this loan, and the only thing at the time was to consolidate, I had a trouble life and that going to school was the best option for me, but when the school did n't have XXXX programs I tried to leave the school then, they stopped me and place me in transcriptionist classes. Not long I withdrew from the school. Signed paperwork. No one do n't have any records of me attending school? Well other then Federal Student Aid has the school showing but no attendance dates is present. 
I did go to this college, but I withdrew and the refund was never credit back to XXXX XXXX/ or to me. 
College : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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: Account status incorrect

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to Experian by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : Experian, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

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 2020-04-19
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: Account information incorrect

Complaint:
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, US BK XXXX COURT violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX XXXX, Transunion 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 reported to Transunion that i applied for credit I never. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
for three months TransUnion has not been able to give me credit score

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 2016-04-11
Company: I.C. System, Inc.
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:
I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to my credit report.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: WA
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:
Ive been trying to dispute 6 inquires from XXXX since XXXX. All 6 of these inquires are from a car department that i did not authorize these inquires. I stated I already had financing through my credit union. They asked for my SS, and stated it wouldnt be used for inquiries or to pull credit they just needed it on file. I had my credit report locked, he said they wouldnt be able to get in contact with my credit union unless it was unlocked. I unlocked it and they ran XXXX inquires to other credit unions to find me the best deal when Ive been a member with my credit union for 10 years.

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