BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: Stearns Ventures, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with Stern 's Lending since XXXX/XXXX/XXXX. The city of XXXX XXXX taxes were assessed at {$1400.00} for the first year until my residency was established. In XXXX XXXX the residential abatement for the city of XXXX took effect reducing my tax liability drastically to {$160.00} per year. In XXXX I contacted My XXXX XXXX, the company that services the mortgages for Sterns ' Lending, notifying them about the change. I relayed the information from the XXXX assessors ' office that the mortgage company must apply to the city of XXXX for the over payment they made on my account. They asked for a new tax bill issued from the city of XXXX. I sent them a print screen from the assessors ' website. They said they needed the actual bill so I had to wait until I received the bill in XXXX XXXX, I immediately sent it to them. They finally refunded the excess escrow amount of {$1500.00} with a check issued on XXXX/XXXX/XXXX. That was a long time to wait for them to return my money. 

Today I received notice from Sterns ' Lending of a new escrow amount of {$64.00} per month. Their letter states the tax liability is {$760.00} per year for my account. The city of XXXX assessors ' website says XXXX Preliminary ( Estimated ) Total Tax Due-First Hal ( XXXX XXXX ) : {$80.00} meaning my total tax bill will be XXXX for the year XXXX. City taxes are the only payment from the escrow account. 
Today I called XXXX XXXX XXXX to inquire about the escrow account. They would only state the tax liability is {$760.00} for my account. I have no idea where this amount came from and the customer service person would only repeat that number. I would like a written explanation from them with a source document legitimizing the amount. I do not want to over pay my account and possibly wait another several months for the escrow to be reviewed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Total amount due from the original company ( XXXX ) was XXXX upon disconnection including 3 % sales tax ; however, XXXX has informed On Line information services that I owe {$970.00} dollars whom has stated in a letter that On Line services has no duty to provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Bilateral Credit Corp, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Today my husband XXXX XXXX, received a disturbing call from XXXX with Bilateral Credit. XXXX NY Bilateral Credit XXXX, Ext XXXX XXXX advised him he was calling re a debt incurred over 2 years ago with XXXX XXXX XXXX XXXX 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My wife and I have applied for a mortgage and were approved in XX/XX/XXXX with the company " Guaranteed Rate '' to purchase a new construction home. The house is completely built and finished - I have verbal and written confirmation from the builders, inspectors and realtor that the house is finished and ready for closing. We have earnest money ( {$25000.00} ) already given to the title company. However, XXXX XXXX from " Guaranteed Rate '' who has been working on our loan for almost one year is still repeatedly requesting for the same documentation that has been submitted multiple times to her since XXXX XXXX. XXXX XXXX also advised us to sell our house ASAP and our old house was sold in XXXX XXXX. Our living arrangements have been complicated for the last 3 months and very challenging since I also just had a baby last XXXX. We will be out of a place to live by the end of XXXX. We were promised a closing date of XXXX XXXX, XXXX ( 1st time ), XXXX XXXX, XXXX ( 2nd time ), XXXX XXXX, XXXX ( 3rd time ) and now XXXX XXXX can not give us a closing date - SHE is the last link we are waiting for to close and move into our new house. We respectfully request assistance with this urgent matter. 
XXXX XXXX from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Loan Coordinator ) from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Corporate CEO ) for Guaranteed Rate - tel : ( XXXX ) XXXX Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I Inquired about a refinance of my home with Quicken loans. I was told my interest rate would be 3.5 % and my closing costs would be {$2500.00}. I received in the US mail documents for me to sign showing that my loan costs were over {$4900.00}. I was asked to give a {$500.00} Depost for the apprasial. I have had no apprasial done as of yet and I have cancelled my loan with Quicken. I want my deposit back as I was mislead about the amount of closing costs. I originally spoke with XXXX XXXX # XXXX. I feel he lied to me to get a {$500.00} deposit. He also told me the {$500.00} would be deducted fromy closing costs. The paperwork does not reflect my deposit. I feel scammed. Now that I want out of this loan, nobody is communicating with me regarding this matter. Quicken Loans operates a scam to get people to pay {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
PNC Bank advertised on a large screen TV at the XXXX Branch a " loan discount '' of {$500.00} for a new, qualifying home mortgage if you set up the loan payment as an auto-deduction from an existing PNC account. I had just begun the loan application process and asked my loan officer if I was eligible. He said I was. I was told at closing the " loan discount '' would be credited to my checking account after the first auto-deduction. Following the first auto-deduction from my checking account in XX/XX/XXXX, I was then told the loan discount would be credited to my checking account 90 days after the loan closed. After 90 days, I am now told that my " complaint '' will take several weeks to research. The same scenario occurred with a friend of mine getting a PNC mortgage at the same time. After many phone calls, they did finally get the loan discount credited to their checking account but were so angry at the effort it took to get a benefit that PNC had advertised, they moved all their accounts to XXXX bank. I have had account with PNC for 30 years and feel that I deserve better treatment. It is not a huge sum of money, but if they are going to lie and not follow through with this promise, why should I now believe anything they tell me. I have placed on hold any further business with PNC until this is resolved. I have attached a document containing emails between myself and PNC. The Loan Officer was XXXX XXXX, followed by XXXX XXXX when XXXX was no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Their investigation did not fix an error on your report

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX XXXX XXXX account number XXXX  ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX account number XXXX ; 7. ) XXXX XXXX account number XXXX 
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2022-08-03
Company: EQUIFAX, INC.
State: GA
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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BB & T failed to notify me of an increase in my monthly mortgage payment. I continued to make monthly mortgage payments and BB & T continued to receive and accept my on time payments. In XXXX and XXXX BB & T reported my mortgage payments as not as being paid for two months to the credit rating agencies. 

I learned of this when I called BB & T to inquire as to why I had not received a new mortgage coupon payment book. I than wrote BB & T and informed them I never received any notification from them regarding the change in mortgage rates and its effect on my monthly mortgage payment. I requested BB & T provide proof of a delivery confirmation of mail sent to me and that it was successfully delivered. Any financial matter that could have an adverse effect on anyone 's credit rating should require a delivery confirmation. 

I have paid my monthly mortgage payment on time every month and BB & T has received payment before the due date. The months in questions are XXXX and XXXX 2016 which XXXX shows funds posted, received and accepted by BB & T. When spoke with a BB & T representative I was informed that the payments were posted to my account. 

How can funds received for on time payment by BB & T get posted and reported as late - where did my money go and why is BB & T allowed to conduct such a questionable banking practice?

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 2016-12-23
Company: BB&T CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
They are trying to make me pay for a loan thats not mine.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 explanation
Consumer complaint received 2016-01-08
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX, I was approved for funds from the Florida 's Hardest Hit Fund Program and the funds were sent to my mortgagor, Seterus, Inc,. to be applied to the outstanding principal balance. The HFA funds were in a suspense account with Seterus for 7 months. All my calls to request the HFA funds are applied and the loan recast were ignored. On XX/XX/XXXX, I received a " Reamortization Agreement '' letter from Seterus which demands that I agree to extend the maturity date of the current mortgage an additional 20 years. The original mortgage is a conventional 30 year loan originated XX/XX/XXXX. As of XX/XX/XXXX, there are less than 20 years remaining on the original loan which matures in XX/XX/XXXX. Seterus is demanding that I agree to extend the loan maturity another 20 years to XX/XX/XXXX! In addition, Seterus refused to reduce the outstanding principal by the amount they received from the State of Florida Treasury Department. The HFA amount to be applied to the outstanding principal is less than the $ XXXX provided to Seterus from the Florida state 's HHF. I called Seterus and was informed that this agreement is final and they will not make any amendments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: National Credit Systems,Inc.
State: GA
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 and bureaus ( XXXX XXXX & XXXX ) are reporting this account to my credit report. This is a fraudulent account this does not belong to me XXXX XXXX Date Opened:XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$1700.00} is reporting on my credit profile. the information that both parties refuse to send and VALIDATION and VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A credit card was fraudulently opened in my name with TD Card Services, specifically for a XXXX card. This was not me, I did not open the card. It was opened without my knowledge. This is identity theft. I can not dispute the card with TD Card services and it is now affecting my credit. I need this fixed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: GREENSTATE CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX received from : GreenState Credit Union dated XX/XX/23. 
Report # XXXX Spoke with XXXX, XXXX XXXX on XX/XX/23. Accounts were not opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom  it may concern, I have sent correspondence to all three credit bureaus regarding public reco rds ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

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 2017-09-26
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
Midwest Recovery was supposed to remove this fraudulent trade as of XX/XX/XXXX per their response. It has been removed from all CRAs with the exception of XXXX. Please remove ASAP!

Company response to consumer: Closed with explanation