BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: LENDER LIVE
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an issue regarding a mortgage payment I am trying to get corrected. My wife and I have a mortgage that was opened XXXX XXXX and we began making payment to our loan servicer ( Lender Live ) on XXXX/XXXX/XXXX. As of XXXX XXXX our loan was sold to XXXX XXXX. I had made the payment for the XXXX/XXXX/XXXX due date through Lender Live on XXXX/XXXX/XXXX, however, when Lender Live sent my loan information to XXXX XXXX, they advised XXXX XXXX that I was still due for the XXXX/XXXX/XXXX due date instead of the due date of XXXX/XXXX/XXXX. At this point, I have spoken with Lender Live customer service a few times and unfortunately they have not been very helpful to resolve this. XXXX XXXX has provided me with copies of the documentation they received from Lender Live and it does show that the payment was still due for XXXX/XXXX/XXXX. At this point, I am needing Lender Live to get in touch with XXXX XXXX to provide them with the correct documentation showing that the first payment I was to make to them was XXXX/XXXX/XXXX or else have the XXXX/XXXX/XXXX payment sent back to me so that I can send it to XXXX XXXX myself and receive credit for it. I hope this makes sense and hopefully you can point me in the right direction to get this issue resolved. 

Thank You! 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX is the attorney representing XXXX XXXX, who has sued XXXX XXXX.over debt collection.The suit was filed XX/XX/XXXX.XXXX was not aware that the suit has escalated to the point of a bank levy, which was withdrawn from XXXX 's bank account out in XXXX 2015 without prior notification.the levy included the amount owed, interest, attorney & court fee, the total amount being sued is almost double the amount owed. Since the withdrawal of the levy in XXXX 2015, XXXX has attempting to contact XXXX with the assistance of my daughter, XXXX XXXX, in the hopes of resolving the case. XXXX ca n't reached directly through the number provided.Representative of his firm answers the phone and the representative explicitly states that they ca n't provide a number to which he can directly be reached.They ca n't put in such request giving the reason that XXXX are very busy or out the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX ( Creditor ) Incorrectly Billed Me For Months, When I Canceled My Autopay because I thought the balance was XXXX, the XXXX XXXX ( creditor ) reports late on my creditor report. The credit later reverse incorrect charges that would have made my account balance zero during the period they are report as late however, refuses to remove the late mark from 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 non-monetary relief
Consumer complaint received 2017-03-07
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have had a loan out with this company for a number of years. 
Recently i fell behind on my bills. Too many credit cards and loans. I decided to join a debt relief program to help me get out of debt. I sent a letter to this company that the debt relief program told to me to send to them notifing them of a change of contact. The company continued to mail late notices. 
Someone who works for that company came to my home. I wasen, t there so they left a late notice with my wife. I called and talked to someone working there and asked if they had gotten the change of contact info that i had sent them three months ago. She said yes but they did not work with this debt relief program. I informed them that the debt relief program had them listed on my creditor list and did not inform me that they were exempt. I gave them a phone number for the debt relief program. They continue to call me and the references that i listed on the loan. And said that they will continue to call these numbers until i pay them. I have been in this debt relief program for five months they are negotiating with my creditors and this loan company is on the list.

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 2016-07-20
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX turned this to collections without informing me that the insurance coding is incorrect in order for my XXXX insurance to pay. XXXX, my XXXX, refused because of I sufficient coding. It would have been nice if XXXX had shared that with me so I could assist in getting a new code for XXXX to send to XXXX. Yes, you heard that right, XXXX is making me contact the doctor to tell them that they need to send XXXX a different billing code! This does not seem right but what else am I supposed to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am filing a complaint against Transunion because of XXXX account # XXXX. Transunion is stating they will report this account until XXXX XXXX ; when the last payment made was XXXX XXXX, XXXX ; account should have been removed XXXX XXXX. They are refusing to delete this account from my credit report. I am attaching part of my Transunion Credit report dated : XXXX/XXXX/XXXX ; File # : XXXX. You will clearly see XXXX/XXXX/XXXX and you will also see removal of XXXX ; this date is 7 1/2 years past the date of last payment, not 7 years, please help me remove.

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 2015-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, my wife and I asked Trans Union to investigate mistakes on our credit report. My wife received her response in a timely manner, but I have yet to receive my response. We have sent follow-up letters to Trans Union, but we have yet to get an explanation on why my wife received a completed investigation, but they have been unable to provide one for me. The request was made at the same time.

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 2017-10-11
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account was sent to collections, I paid the collection company settled for less, XXXX XXXX XXXX -act # XXXX Paid on XX/XX/XXXX. 
XXXX sold the account to another collection company RPM Receivables Performance Management LLC. XXXX reported to the credit bureaus that I owed the remainder of the balance. RPM contacted me several times to try and collect what XXXX told them was a balance on the already settled account. I called XXXX several times to provide me with a letter that showed my payment settlement so I could provide proof of payment to RPM, I finally received proof in XX/XX/XXXX and sent to RPM VIA email. XXXX should have sent proof of payment within 10 days of my payment. XXXX should not have sent the remainder out for collection or reported it to the credit bureaus as owing a balance on the account. 
My Credit score has dropped due to this XXXX falls reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: PNC Bank N.A.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We applied for and received and unsecured loan of {$8500.00} from PNC Bank. When we closed on the loan, the APR and Finance charges showed 0.001 % and {$0.00} ; respectively. Days later, I get a call from the bank asking me to return to sign new disclosures as the APR and Finance charges were incorrectly stated and they admittedly stated this was their error. PNC stated the rate would increase to 9.9 %. I politely refused and told PNC to stand behind and honor the original APR and finance charges listed in the disclosure. I even pointed out some of the regulations outlined in TILA. I ended up speaking with the branch manager ( XXXX XXXX XXXX who told me that I would most certainly face legal sanctions if I did n't come in to sign a new disclosure, once they had corrected their mistakes. They also suggested that I immediately repay the loan and reapply for another loan. I still refused and told them I would agree to the terms outlined in original the disclosures and loan paperwork ; as such, promising to repay the loan at the agreed ( in writing ) rate. The branch manager then attempted to guilt me by staying the employee who closed the loan would be disciplined and said it was, " collateral damage ... I guess ... ). Now comes, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Eastern Account Systems of Connecticut, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I XXXX XXXX does have a legitimate dispute that the Federal Trade Commission should investigate. In XXXX, a resolution was presented to the United States XXXX labeled XXXX. This resolution was designed to specifically give permission for public utilities to post payment information against individuals for any public utility. This would have meant the redefining of the meaning of what credit was or represented. The Fair Credit Reporting Act was initiated and procured as federal law in XXXX XXXX to establish a level playing field between consumers and the XXXX system. Public utilities are regulated by XXXX throughout every state and in many cases municipalities throughout the country. XXXX failed to make it out of committee and was never voted upon. In retrospect, public utilities abuse the Fair Credit Reporting Act by using the credit reporting process, even though by law they are not entitled to it. Any mention contractually that a company such as XXXX could use my personal information such as my social security number to report anything against me would be a serious violation of my constitutional rights. The use of my information by transfer would need to be established in writing, and that in itself could cause problems against XXXX in class action proportions. Because of a delay in the transfer of cable/wireless equipment to XXXX, a transfer that contained no additional remuneration, XXXX decided to abuse my personal credit report by the transfer of my personal information such as my social security number. This in itself is nothing less than identity theft. Accordingly, my file information from XXXX and the collection agency known as Eastern Account System needs to be purged immediately and permanently. I make my identity theft claim based upon the transfer of personal information XXXX had no right to share with any third party to begin with. My complaint is real and 100 % legitimate. My file information must be purged immediately and permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2015, I submitted paperwork for a short sale offer on my home, this would be my XXXX time submitting an offer due to the XXXX XXXX offers being declined because the amount offered was not sufficient according to the mortgage comapny, and due to the mortgage company taking unril XX/XX/2015 to approve the short sale offer of XXXX, the buyer backed out of the deal. So on XX/XX/2015, I contacted the company and advised them to close the sale out and also advised them that my agent and I had found another buyer who agreed to the same terms, and everything on the HUD documentation and the proof of purchase and my agent sent it to the mortgage comapny on XXXX XXXX. I contacted the mortgage company on XXXX, XXXX and the old short sale offer is still not closed and now they have had my new paperwork for the new buyer since XXXX XXXX, and it has not even been looked at or reviewed. My home has been appraised XXXX times and its solely because they take so long with the process that it causes them to expire. And for the appraisal to expire it takes 90 days. Someone at the company is dropping the ball and may be costing me a chance to get out of this home and close this deal. I was advised that it only takes XXXX business days to close out an old short sale offer by an agent. So why has my XXXX short sale offer not been closed? If they had done that, then on XXXX XXXX, my appraisal would not be expiring, but now it is. I really think I am being mistreated because of my inability to 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 2016-01-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have advised on several attempts to all XXXX major credit reports the following files do not belong to me and should be removed off my credit file. XXXX XXXX balance XXXX shows charge off and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX {$230.00} was paid prior to collection activity, I have disputed this information for almost a year and they are not cooperating

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do not know where to begin, except my situation with my mortgage is not right. Its been on-going for years since during and after my Chapter XXXX Bankruptcy discharge in XXXX. For all I know, it may have started when I bought my home. My mortgage was with XXXX XXXX, which was bought out by XXXX XXXX XXXX at the end of my Bankruptcy in XXXX ; which in turn was handed over to SPS to service in late XXXX. In addition, ever since a medical condition and a long unemployment, I felt that something was not right with how my situation was handled. For starters, there was a court order entered through bankruptcy court, which I feel was violated. I have attached this order with this complaint along with an audit/transaction print out from both XXXX and XXXX XXXX. Pay close attention to the date of the order and certain transactions done on or about that same date. When I question the mortgage company about their compliance with the court order, I was told that I did not know what I was talking about. However, it is in black in white. How much does a mortgage company need in " Restrictive Corporate Fees '', and then to turn around and tell me it was for attorney 's fees???? The big kicker was " we do n't care about that order '' From day one, my interest has been 14.65 %. When I ran into trouble from XXXX and my job loss between XXXX through the present, instead of the mortgage company helping me out by adjusting my interest rate and lowering my payments, I was denied a modification, but given a repayment plan that is barely affordable. Then my escrow was discontinued, which put me in situation where I felt the need to put my house on the market just to escape these crooks. I kept every piece of paper on my mortgage from the day I bought my house, and I probably have paid my house off at least XXXX times over. I have attached documents such as court order, transaction history, last statement from XXXX before switching over to SPS, correspondence regarding my Forbearance and Repayment plans, pay-off quotes, XXXX from Washington and XXXX from SPS, a fax to my bankruptcy attorney upon discovery of the violation of the court order and XXXX of few letters of circumstances that I was ask to write.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX Discovered money was transferred from our Bank of America checking account by persons other than us & without our authorization using by undetermined method. I Reported to bank that moment, while transaction was still listed as " pending ''. 

Bank said there was nothing they could do about it, & to make a police report. 
Bank said they would investigate. 
Report to bank was made using their fraud phone number.XXXX. 
BANK CASE # XXXX. 

Bank placed a hold on our bank account & opened new account to protect remaining funds. 
Bank said money was transferred using " XXXX '' to XXXX XXXX XXXX XXXX 

I called him to demand he return our money. He claimed he " received the funds from a " XXXX XXXX XXXX '' & did not know who I was. 
He said he would help any way he could but would not return the funds. 
I reported that info to the bank but they have not responded. 

After 10 days on XX/XX/XXXX called the bank again & they said 10 business days & to call back. 

XXXX-called Bank again, they said denied our claim, said they sent us a notice, but we still have never received. 
Said transfer was used with " similar '' device as other transfers we had made in the past so they denied it. 

Said I need to send documents proving we did not make the transfer.I asked what type of documents that could be, they said they did not know. 
Said they would have a final determination by XX/XX/XXXX. 

XXXX I faxed them the only documents I could think of, the police report. Phone records, My phone IMEI info, A detailed report & the incident timeline. 

I called again on XX/XX/XXXX, they told me the claim would be assigned to an investigator tomorrow & may take until XX/XX/XXXX. 

At this point I feel Bank Of America is not investigating, only waiting to see if we will give up, but we are on a fixed income & this money is very important to us. 

They said they would resolve this in 10 days but it has now been more than a month. 
Bank of America let someone into our account using their system & let them steal our money & now will not support us & help to recover it.

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 2017-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer changed to SPS in XXXX and there have been nothing but problems ever since. 

They do n't process my payments correctly They printing erroneous statements They refuse to answer questions They refuse to XXXX me the record of my past payments. .. 
Now, they are illegally changing the interest rate and payment amount every month when that is allowable only once per year ... .. 

It 's outrageous!!!! 

I 'm XXXX. Never missed payment in 16 years. 
I want them fired ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation