BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
XXXX XXXX - Inadvertently made a payment to loc by ACH. The wording is easily misunderstood payment page. Everything online and in email states that the full line of credit is available immediately. However, when you try to readvance it tells you you have to wait for the payment to clear ( 10-14 business days when you speak to customer service ). Discussed this with the supervisor at that time who gave me a one time courtesy advance on the same day. 

XX/XX/XXXX - Did it again. They can see the payment but can not change it. There's no alternative once you hit submit. There isn't even an overview page to confirm what you want to do. And once again, I am told that my full line of credit is available immediately but can not access it. 

The website needs to be fixed. Payment needs to be confirmed before processing or consumer should have the ability to make adjustments to payment information/cancel the payment within minutes of hitting submit. The wording on payment confirmation needs to be updated to reflect what is actually available vs. showing the full amount if it is infact NOT available. 

Hi, Thank you for payment of {$2600.00} on XX/XX/XXXX towards your XXXX Loan. Your payment details are listed below. 
Loan Agreement # : Payment Amount Received On : XX/XX/XXXX Next Payment Date : XX/XX/XXXX You have {$3200.00} available on your XXXX  Loan account. You may withdraw from your line of credit at any time and on any day by visiting our website XXXX or any of our 24/7 Advance Financial stores. 
Thank you once again for choosing Advance Financial and for your continued business. 
Kind Regards, Your Friends at Advance Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: The J. G. Wentworth Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JG Wentworth erroneously held my mortgage loan and while I made XXXX monthly payments to them, the correct mortgage company did not receive my payments. After calling multiple times over a month 's period I was finally able to resolve the dispute only to find out JG Wentworth would not reimburse me the late fees and charges I incurred due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint/New Rez Mortgage servicer Sent me a letter XX/XX/XXXX allowing me to cancel my escrow account and pay my own taxes and insurance. below is their statement in their letter. 

" " Upon review of your correspondence, New Rez has approved the cancellation of your escrow account. As such, the insurance and tax liens have been updated to Homeowner responsibility. Going forward you are responsible for payment of the insurance and tax items for the above referenced loan '' XX/XX/XXXX Then I get an annual Escrow account disclosure statement. Showing their intent to create another escrow. 

This company does not do what they say they are agreeing too. 
They even threaten me with a foreclosure before and will not own up to that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Navient Solutions, LLC.
State: MO
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 have Parent Loan and have tried again and again to lower the payments by every option Navient offers. They consistently recommend Forebarence rather than lowering the payments based on income. My income has dropped by more than 50 % since we took out this loan for our son and now the amount is astronomical Started at $ XXXX in XX/XX/2006 now it is $ XXXX due to the {$40.00} per month late fees and capitalized interest that reach over {$2000.00} a month at times they give me and the unreasonable payment structure they demand. The only action they have allowed me to take is forbearance, which just makes the situation worse in the end. I have also repeatedly asked for proof of ownership from Navient due to the loan being transferred several times to different vendors and they have ignored my request each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$140000.00}

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 2022-01-25
Company: Allied Collection Services, Inc. (Nevada)
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification from a credit monitoring company that Allied Collection Service place my under collections for {$200.00} from XXXX. I immediately sent out a request for validation on XXXX by certified mail. 

I have never received information verifying this account. I also requested that XXXX due its due diligence according to federal law XXXX ( XXXX ) ( XXXX ) ( XXXX ) and Section XXXX ( XXXX ) ( XXXX ) ( XXXX ). 

I requested to promptly delete information that could not be verified.

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 2022-09-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX was purchased on XX/XX/2002 for {$100000.00}. The current mortgage is the original mortgage when it was purchased. The current outstanding principal is {$89000.00}. The current AVD as per FNMA is {$220000.00}. That is an LTV of 40.22 %. 
Attached find email correspondence from Shellpoint Mortgage refusing to remove the PMI on the loan. They also refuse to conduct a BPO or appraisal for the removal. 
I have attached the following documents for your review. 
Email from Shellpoint Mortgage Current Statement XXXX  Closing documents Property Details showing current FNMA AVM value Broker Price Opinion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Due to Equifax 's gross mishandling of my personal information, a data breach between XX/XX/XXXX and XX/XX/XXXX 2017 has resulted in my name, Social Security number, address, driver 's license number, and credit card number being compromised. This mismanagement is unacceptable. It is now XX/XX/XXXX, and Equifax never notified me of this breach, despite their knowing about it months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
I have to make a dispute for my account against XXXX, they have closed my account when i try to make an order so i shouldn't have been charged or received anything..there is four transaction that american express needs to understand, XXXX  closed my account and there no way for me to make a contact to them. I can't even send them a message. I want my money back! and I hope nobody else is going through what I am this is why I am here as well. 

I'm fighting against XXXX and I hope american express could understand. For my XXXX XXXX Card 1 ) XX/XX/XXXX XXXX XXXX {$230.00} 2 ) XX/XX/XXXX XXXX XXXX {$250.00} 3 ) XX/XX/XXXX XXXX XXXX {$210.00} 4 ) XX/XX/XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX  XXXX {$140000.00}

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 2021-04-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Could you explain this please? All you said was this! 
Company 's Response As a rule we send deletion requests to XXXX   credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX. 

Look at the file I sent you proof showing this I mean your statement do not make a lot of sense! There it is in black and white you need to remove from my credit file tsend me a copy of your E Oscar reports for XX/XX/XXXX - XX/XX/2019 for proof or delete the account!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
when i go to link my accounts to a site such as XXXX or XXXX  it keeps saying i am blocked and the bank told me it's not them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is against Caliber Home Loans. They bought our home mortgage loan from XXXX effective XX/XX/XXXX with Caliber assuming service on the loan on XX/XX/XXXX. We had lengthy difficulties with XXXX. These difficulties seem to have been transferred to Caliber. Caliber has been unable to sort things out and communicate with us on a timely basis. The specific points of contention are:1. XXXX told Caliber that they paid our homeowner 's insurance because they say we let our homeowner 's insurance lapse. This was totally false and we provided documentation from XXXX showing that our homeowner 's insurance never lapsed and was up to date. Those documents were also faxed to Caliber on XXXX XXXX, 2015. 

2. XXXX informed Caliber that they paid our property taxes for XX/XX/XXXX. This is totally false and we provided receipts showing that we paid it. Those documents were also faxed to Caliber on XX/XX/XXXX. 

3. Caliber started calling us in XX/XX/XXXX telling us we owed them either {$8000.00} or {$10000.00}. This was a combination of the homeowner 's insurance, property taxes and they said we were behind in payments per the information they received from XXXX. We faxed them documents on XX/XX/XXXX that included letters from lawyers at XXXX ( XXXX in XX/XX/XXXX and XXXX in XXXX ) that stated that we were current and up to date with all payments. We also faxed cancelled checks for all mortgage payments for XX/XX/XXXX demonstrating that we were actually ahead of our schedule of payments. 

4. We sent with the documentation on XXXX a letter of complaint asking for the matter to be resolved after speaking with a manager named XXXX in the Caliber complaint department. They also indicated that while it was being investigated they would cease their harassing phone calls. 

5. They said they would respond within 30 days. On XXXX XXXX having not heard from them we called customer service. At first they were unable to find any record of our complaint or the XXXX pages of documentation that we faxed in. When they did find the information they were unable to connect us with their complaint department. We requested a response from them by phone by Wednesday, XX/XX/XXXX. They have not responded. 

We are asking that they update their records to show that no taxes were paid by XXXX or Caliber, no property taxes were paid by XXXX or Caliber. Any money applied to " pay '' for these taxes be applied toward the principal of the mortgage in addition any interest is to be adjusted. Any late fees must also be removed from our account and interest adjusted. We have had extreme difficulty getting records concerning our account from Caliber and what we did receive was very confusing because the information they have from XXXX is very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I failed to make my monthly payment with PayPal Credit, and as a result they sent my account to their collections department. Once my account was in their collections department, I began receiving three calls per day. After XXXX3 days, even though I was in a meeting, I took their call and arrange the payment to be scheduled. I did this soley because I wanted the phone calls 3 times per day to stop. When I answered their 3rd phone call today, no one was on the line and the call was disconnected, so I called back. I spoke with XXXX different representatives, XXXX of them was a supervisor. XXXX of the non-supervisors I spoke to asked if I wanted to placed on their cease and desist call list. I told him that that was n't necessary as I appreciated the follow up on the occasions where I forgot to make a payment. I further explained that my unhappiness with the phone calls was because I was called three times per day which I was annoyed with and felt harassed by. I informed the supervisor that I spoke with of the same sentiments and also informed him that I would be submitting a complaint with the CFPB. He said that he would notate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 4 close account and still show on my equifax Still open, I call all this creditor and they confirm me this account is close Dispute it on equifax and they remove and add this account at the same moment, try and tired to call equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt in question was dropped by the original company because the service was not actually used so the debt is no longer applicable to me. XXXX already fixed the inquiry on their report but I can not figure out how to fix the inquiry with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Stellar Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A collection of {$390.00} was removed from my credit report by XXXX XXXX on XXXX XXXX, XXXX. Now a year later there is another collection for the same amount but from a different creditor on my credit report reported XXXX XXXX XXXX. It appears the creditor STELLAR RECOVERY INC has put it on my credit report without me being informed to give me my right to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received XXXX bill from their offices, I have asked among other things in my day XXXX/XXXX/XXXX dispute a copy of the contract signed by my accepting the terms and conditions of these bills and my obligation to pay a bill it is not proof of debt, can be printed using any format an amount allegedly owned, and still you can not blame a guy for this, send me the number of licensed to collect in Florida, explain how these calculations were made Provide me with your license numbers and registered agent, are obliged to do so, otherwise you are violating the law by the law corresponds me under Fair Debt Collection Practices Act and Fair Credit Reporting Act, any document without my signature lacks validity, after XXXX I can get XXXX dollars for defamation of character in a lawsuit, no arguments, no verifiable accounts have to be removed is clear and concise law, they can go up as well if they have evidence that I received his correspondence with receipts post signed by me as received I request a letter of consent that the account will be closed on your system and will no be transferred to another agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXXXXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}

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