BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX  veterans ; therefore, in the state of Texas property taxes are not assessed. 

In XX/XX/XXXX, I informed the Mortgage Company ( BSI Financial ), that my property status has changed and that I no longer had to pay property taxes. The mortgage company explained to me that they would need the tax bill from the City before any changes to my account occurred. 

In XX/XX/XXXX, I received a new escrow analysis from BSI, listing no change. I immediately called the Mortgage company to speak about the inaccuracies in this report. Their Customer Service Rep explained to me that I had no worries, but to send documentation from the City stating the fact that I was exempt. ( See attached ). 

As of today, and after sending the attached several times and also, asking the City to send this same letter BSI and the multiple phone calls to BSI, still there has not been any changes to my account.

Again, I spoke to BSI on yesterday and now they are asking me to send a bill from the City that states XXXX balance. I explained to them .... that the city send them the bill and even though it didn't state XXXX balance, the amount paid for XXXX was significant less than the previous years, and yet they failed to request another analysis, based upon the amount paid ( XXXX ), again for XXXX. As of yesterday, a request for a reanalysis was request. Even though the re-analysis should be based upon XXXX and not XXXX. 

My issues are, I am a XXXX Veterans ; who property taxes are not assessed, who is not require to pay property taxes ; therefore, my escrow account with BSI should reflect this fact. I should not have to wait until XX/XX/XXXX until a new bill for changes to occur. ( 17 months ) Especially, when the attach letter states, " The taxes for XXXX will be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that capital one bank usa, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: DISCOVER BANK
State: GA
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:
Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in XXXX, and have been making payments on my loans since graduation. I worked for a nonprofit organization from XXXX and despite repeatedly asking Navient about loan forgiveness options, was told I was not a candidate. Now if I sign up for a program, I will be starting all over again. Not to mention, I have been unemployed for two months and called and was placed on forebearance but was told my loan payments will be the same when I return to work. I will be paying onthese loans forever!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. 

I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. 

I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. 

I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. 

On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! 

As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
A merchant sent me goods that were returned in transit that I paid for using a Chase Sapphire card. Chase asked the merchant only if the goods were sent. However, the goods were never received. Chase claims that I am responsible for the {$530.00} even though I never received anything because they took the merchant 's word. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: Colony Brands, Inc.
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:
I checked my credit score and noticed a change. There was an Montogomery Ward Credit card on my credit report being delinquent. I called the merchant and they check the account with my SSN, name address and said i do not have an account with them. The account that is listed on my credit report is fraudulent. This must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A Loan wa s originated in  2006  with a Deed of Trust in the amount of {$240000.00} for a purchase in Arizona totaling {$350000.00}. The balance of the purchase was cash from the sale of a home in California.   XXXX  There was a " PrePayment Penalty '' if the loan was paid off within the first 12 months of {$90 00.00} ( 6 months interest ). The  " PrePayment Penalty '' was recorded as a " Deed of Trust '' which should have been released after the  XXXX  payment.   XXXX  The loan payments are current with no additional charges. There is an attempt to sell the property. The "  PrePayment De ed '' is still showing as a recorded lien. The company originating the loan is out of business, the first servicer is out of business but was purchased by a national bank. That bank transferred servicing to an active company.   XXXX  Bot h the servicing company and the  bank which transferred the loan denies any responsibility to release the lien.

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 2017-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, Portfolio Recovery Associates are attempting to collect a debt that was sold to them from the original company, XXXX XXXX. Portfolio Recovery Associates are not licensed to operate/collect in the state in which I reside. Two of my accounts have been sold to them from XXXX XXXX. One in the amount of {$1400.00} and another in the amount of {$1600.00} both sold to Portfolio on or around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Receivables Management Partners, LLC
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: Information belongs to someone else

Complaint:
Inaccurately reporting items that I have no proof of ownership to. Collection accounts that are inaccurately being reported on credit that is hurting my overall score. I was never shown proof of ownership of this collection debt nor do I have any knowledge of how it ended up on my credit report I would like the collection from RMP SRVC LLC deleted as I have never been provided proof of this bill. It was opened on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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  acct # XXXX and XXXX XXXX acct # 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 2017-06-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. <P/>In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
Huntington National bank started a program called standby cash they offered me a line of credit at {$1000.00} beginning of XXXX. I used {$600.00} set up payments. The next week they dropped the line credit amount to {$250.00}! then reported to all credit bureaus that I was overutilizing my credit by 274 % this dropped my scores by 40 points! I am in the middle of purchasing a house. I called and made a complaint immediately, they said the system determines the amounts. The system can change the allotted credit amount. I had never heard back I call today, the supervisor says it states in documents when accept the line of credit can change. I would never have thought that they would decrease the line, then report me as negative and impact me in this way. I am infuriated and this is unfair credit reporting and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second complaint i have made about this company. I tried for 2 years to get this company to agree to a re-modification. I had to make a complaint against them because their business practices were shady bordering on criminal. After receiving an agreement 3 months ago saying i have to make XXXX test payments to complete this re-modification this company is up to its old tricks. I have made the first XXXX payments but i am reluctant to make the third because throughout this period there has been no good will reciprocated by these people. Despite the fact that i have kept my part of the agreement and made the payments i have continued to receive threatening letters and phone calls. Also there is a disparity between the amount the online account says is due and their automated phone system. Their representatives have continued to lie and make deliberate false statements about the situation. I just received a call from them claiming that the mortgage is in default and i have not paid which is a lie. When i reminded the person who called herself XXXX or something like that that i spoke to them last month about this issue and what she was saying was not true she claimed the payment was returned. I reminded her that the first attempt was returned because the bank suspected fraud so i sent it through another bank. She claimed at that time last month that as long as the last payment was made before the end of XXXX the trial period would be satisfied. This person was saying something entirely different today. I wanted my XXXX to assume this mortgage because i am too old to be dealing with this dishonest criminality and lies. I don't believe this is a oversight i think these tactics are deliberate to get me to just give up and give them my house. These people claim to record all calls so these records need to be subpoenaed as proof of these dishonest and deceptive business practices.I believe these tactics are clearly conspiracy to commit mortgage fraud which falls under the FBI 's jurisdiction. This company is a debt collector and not a mortgage company in reality. Even their name is a lie. Debt collectors are parasitic and will use any tactic to take advantage of consumers even if it crosses the line. A full investigation of this company needs to done to stop them from breaking the law. I am certain that they are breaking the law and someone needs to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Somebody I tried to get a credit card in my name at cabela 's. In Delaware in Delaware. That was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this information on my credit report for the last 3 months. I have not received a response from TransUnion, XXXX nor XXXX. These companies are now in violation of the FCRA by not conducting a fair and accurate investigation of these items

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 2022-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On the XXXX of XX/XX/2022, I sent a letter requesting investigation and removal of several accounts reporting on my credit that have incorrect opening dates, last payment dates and missing full account numbers. These accounts have not been removed OR updated. They still remain on my credit report, negatively affecting my credit file. It has been over 60 days and I have received no response or updates from the credit reporting agency

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 2017-06-30
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or around XX/XX/XXXX, I received a call on my cell phone from Global Receivable Solutions ( GRS ) stating I had an unpaid medical bill from XXXX XXXX. I had not received any bills in the mail prior and my insurance should have covered the cost at 100 %. Due to the imaging company 's error in billing code ( was preventative and the coded diagnostic ), they were not paid 100 %, so the remainder was in collections I was told. I advised I wished to dispute the amount, as was a result of the collection company client incorrect billing. They advised they would put in dispute. On this initial call, I advised I did not give permission for my cell phone to be placed on an auto-dialer. As of XX/XX/XXXX, I have received multiple calls per day on my cell phone from GRS and I answer only to hear dead air or be hung up on, indicating an auto-dialer. Upon speaking to someone, I advised again the bill was in dispute and they could not use my cell phone number to collect this bill and asked them to remove the number. Today, XX/XX/XXXX, I received 2 calls within 1 minute from this company, which is causing my phone to ring with intent to harass and they consistently hang up on me. In addition, when I answer, they proceed to TELL me my information for " verification '' and disclose everything. Today, I was berated by a representative when I advised AGAIN, this was in dispute. When I asked for a manager, I was refused and told there is no manager. When I said again to remove my cell phone, they hung up on me. I called and asked for the Legal address, as I am now considering legal action, and they refused to provide. I was finally able to obtain an address ; however, the company will not confirm it is accurate. I want them to cease and desist immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation