BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Homebridge financial Services , Inc serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX The mortgage loan has been recorded in the XXXX XXXX with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this servicer I need to know the following information : 1. Was Homebridge Financial Services licensed as a mortgage loan servicer in Texas in XX/XX/2015? 
2. Who was the borrower of the fraudulent mortgage loan? 
3. When was the mortgage note executed? 
4. When was the mortgage loan account opened and when was it closed? 
5. Who is the lender of the fraudulent mortgage loan? 
6. Has there been a deed of trust executed in XXXX XXXX or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account and the account was removed from my credit reports. However as of XX/XX/2020 the account reappeared on my credit report only now is listed as a closed account with a late payment in XX/XX/2020. This XXXX XXXX account has not ever been late and is currently an open account with the XXXX Domestic Relations Court. The account was unverifiable and now is being reported again inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Per Federal law FDCPA have a 30 day resolution. I disputed 4 bankruptcies on my TransUnion credit file, XX/XX/18, XX/XX/18, and XX/XX/18. TransUnion responded XX/XX/18, however, willfully omitted to state CUSTOMER HAS DISPUTED VALIDITY OF THIS ITEM on my credit report. As required TransUnion failed to contact bureaus on my behalf within 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 explanation
Consumer complaint received 2022-10-05
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Apparently, a test was done and I was billed for it {$310.00}, via XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

I have Medicare, A, B and C with XXXX XXXX XXXX, XXXX as secondary. 
All the Medical procedure 's provided for XXXX, I've never received a Bill XXXX Why I was not informed ahead of time. Normally, the XXXX will send me to another location that pays for Specialty Tests. 

I have attempted a few times to research what this is about? No one seems to know? 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two appliances from Lowe 's online XX/XX/XXXX. The total amount of this purchase ( {$2600.00} ) qualified me for a Fixed Interest promotion with 84 months of payments at 7.99 % APR. However, because this purchase was fulfilled separately due to XXXX of the appliances being backordered, the transaction was broken into 2 smaller transactions. This effectively placed each item on a short term, interest free promotion instead. 

I called when I first noticed this on my billing statement in XX/XX/XXXX and was told they would adjust accordingly, but it would take 1-2 billing cycles to adjust. After waiting a few more billing cycles, the promotion was never adjusted. I called again during the Summer of XXXX, and was told they would adjust the promotion, but it would take 1-2 billing cycles to reflect properly. Again, the promotion was never adjusted. 

I reached out again in XX/XX/XXXX, and was told that Synchrony could no longer update the promotion, and they had no records of my requests. I formally disputed with their management, and was advised that I go to the Lowe 's store that fulfilled my order to see if they could do a " Return & Rebill. '' Unfortunately, because of the date of the transaction, and the length of time that had transpired, they were unable to make any adjustments. 

I am formally complaining to the CFPB of these unfair and misleading promotional practices from Syncrhony and Lowes. I have been accruing interest on this purchase ( ~ {$600.00}! ) which is now set to expire in XX/XX/XXXX unless I pay this off in full, instead of having the extended promotion that I selected when I made this purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refi loan on XX/XX/XXXX with XXXX XXXX. He provided me with an estimate and asked for a {$500.00} good faith deposit via email that I gave him using my XXXX XXXX credit card. I was " conditionally '' approved on XX/XX/XXXX and processing was transferred to XXXX XXXX who asked me to pay my XXXX real estate taxes prior to the estimated closing date of XX/XX/XXXX. The XXXX County Tax Office replied to me via email that such info would not be available until XXXX XXXX. I asked Mr. XXXX if he there was another option and he said that he did not know. That was the last time that I heard from Amerisave until XXXX XXXX at which time Mr.XXXX emailed me saying that my file had been closed due to incompleteness. I placed a dispute with XXXX XXXX and they credited the {$500.00} back to my account and gave Amerisave until XXXX XXXX to reply, which they did not do until XXXX XXXX asking for an extension " to reply '' until XXXX XXXX. I am a XXXX  years very old and infirm retired person who was trying to lower his monthly payment but was bamboozled by this Company, I need the money to pay my bills, I live on Social Security and a small annuity payment of {$250.00} every month This company has been very heavily fined by that Bureau for their shady/ilegal practices. 
Please help me. Thank you.

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 2017-04-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My identity has been stolen, someone has already filed fraudulent tax returns in my name. I received a letter from the IRS on Friday of suspicious activity related to the Department of Education FAFSA website. The IRS letter told me to contact Equifax and sign up for their credit monitoring. I tried but the system told me it could not process my request and to call a specific number. When I did, I was transferred to " XXXX XXXX ''. It seems ironic that some XXXX, probably from another country, has my identity and I 'm transferred to another country to work on my identity theft issue. When I asked to be transferred back to the US, this person told me to call back in an hour. Something has got to be done about identity theft in this country. There has to be one agency or department to manage the process for those of us who are truly victims of this crime. Sending us to foreign countries is not a good nor comforting way to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: U.S. BANCORP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single business day XXXX XXXX on behalf of Elan has called my business in excess of 10 times a day. When I answer, they ask for someone who is not present at the business and are unwilling to talk to anyone else. I ask them to stop calling me and they simply tell me they can't stop the calls from happening. I've tried speaking with managers, etc. and no one is willing to stop or reduce the call volume or speak with anyone else in the business. It is downright harassment and is extremely aggravating. I warned them I would be submitting a complaint and they told me to go ahead.

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 2017-04-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Fair Credit Reporting Act and the Bankruptcy Laws state that bankruptcies ca n't remain on a credit report for longer than 7 or 10 years, whichever is the case. By the language of the Laws, it does n't state the bankruptcies Must Or Has To stay on a credit report for a certain period of time. Personally, I believe the credit bureaus keep bankruptcies on credit reports for as long as the law allows them. In my opinion, credit bureaus do this because they are in this together with financial institutions. The lower the credit score, the higher the interest rates banks can charge. Again, the law does n't say that bankruptcies Must remain on credit reports for 7 or 10 years. I 'm requesting that my XX/XX/XXXX, Chapter XXXX, be removed from my credit report. Also, I 'm requesting, that my XX/XX/XXXX Chapter XXXX bankruptcy be removed from my credit report. The Chapter 13 is over 9 years old and the Chapter XXXX is over XXXX years old. Both bankruptcies were the results of a terrible divorce that left me in heavy debt. By law, Equifax can and should remove these items. I 've suffered enough in my opinion. If Equifax chooses not to remove these items immediately, I 'm requesting in writing for the reason. Section 605 ( 1 ) Cases under title 11 ( United States Code ) or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. In other words, the credit bureaus ca n't have negative items on credit reports for longer than 10 years. Sadly, it 's in the hands of Equifax on when these bankruptcies will be removed from my credit report. It just ca n't be longer than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX years old, XXXX. resident charged {$10.00} fee by Equifax to temporarily lift security freeze. 
Phone conversation on XX/XX/2017 with Equifax Security Freeze Department ( to which I was directed to contact by Equifax Customer Service ) was UNABLE ( or Unwilling ) to resolve the {$10.00} charge to my credit card for my request on XX/XX/2017 to temporarily lift a freeze on my account. Security Freeze Department could not even find my case number - which I had received from Equifax Customer Service. Directed by Equifax Security Freeze Department to either send fax or snail mail request ( including copy of my bank credit card statement showing the {$10.00} charge ) and then wait another 10 to 14 days for response ( OR Approximately ONE Month from being charged the {$10.00} fee ) and MAYBE get my {$10.00} -- which should never had been charged -- back. This was even after providing ALL the personal information requested in emails AND during phone conversation and noting the other XXXX credit bureaus did NOT charge me a fee. 
Snail mail being sent includes information below I had provided to Equifax on XX/XX/XXXX : " I just temporarily lifted the credit freeze and was charged the {$10.00} fee ( even though I 'm over XXXX and from the state of XXXX. ) Pennsylvania ( security freeze rights established by Pa. Act No. 163, Section 9 Fees b2 ) Fees : No fees for identity theft victims or seniors aged XXXX and older. All others pay {$10.00} to place the freeze or to lift it temporarily. No fee to remove the freeze. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , Pa. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought furniture from Mor furniture in XXXX, WA in XX/XX/2019. I was led to believe that the payment structure was set up so that payment would be complete before interest began to accrue. I was on a 0 % interest program. 

I made every payment on time, never missing one, but the 0 % interest ran out in XXXX or XXXX without me knowing, and I have since been charged {$780.00} in interest and fees on a loan of {$1400.00}. I've been charged 29.99 % XXXX on top of about a dollar per day in other charges that I don't understand. 

I realized what was happening yesterday and called the company to rectify. They're refusing to return any of my fees. 

I immediately paid off the entire loan today. I feel these practices are predatory and I want my money back. As an XXXX XXXX, I want to speak up for I people who don't have the means to communicate this kind of abuse, or afford to pay it off in order to stop the predatory, excessive fees and " interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage with XXXX XXXX Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called XXXX and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.

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 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
I have Bank of America as my bank I had deposited a check for {$1800.00} on XX/XX/XXXX they held the total amount until XX/XX/XXXX til XXXX to make sure the check was good the funds were released so I transferred {$1000.00} from savings to checking & paid some bills.My social security was deposited XX/XX/XXXX I paid my bills and withdrew XXXX on Sunday XXXX that was my first transaction.After I paid my bills from SS the check cleared Monday XX/XX/XXXX after transferring XXXX and paid some bills I check my account several times a day to track my balance I saw were my accounts went negative I immediately called the bank they said the check was fraudulent that they recovered {$870.00} now my account is severely overdrawn on savings & checking.They held the check for 5days to make sure it was good now they switched all the account transactions around saying it was released the same day as I deposited it that is not true.It was held 5 days so they can protect me from fraud and they did n't at all so instead of going after the company that frauded us they blame me and switched the account around.I have fraud protection now they do n't want to honor it the bank is committed fraud themselves now instead of BOA protecting me I have to pay all the fraud charges that are accruing every day! They failed to protect my account and me from fraud

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 2017-04-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account with PNC bank online. Automatically, a savings and reserve account were opened as well. On XX/XX/XXXX I deposited a check at my local branch for {$1000.00}, and received a direct deposit travel reimbursement on XX/XX/XXXX. Today, I received a letter from PNC that they are closing my accounts on XX/XX/XXXX and I will be mailed a check for my balance. 
I called the phone number on the letter and was told " just as you can choose not to do business with PNC, PNC can choose not to do business with you. I could get no further explanation from them for the abrupt closure. They also informed me that they are HOLDING my ENTIRE account balance until they refund it on XX/XX/XXXX. This has to be ILLEGAL! 
Being denied access to your own money without explanation is egregious. There have been no transactions on my account other than two deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: NV
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:
My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies ..Experian,  XXXX , and  XXXX .     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed, Experian and  XXXX  still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy

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