BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have made multiple daily attempts over the course of 5 days to obtain a loan assumption packet from Freedom Mortgage. I have spoken to a different rep each time and been given a different answer as to how I obtain this. First it was a simple sheet I fill out and email to customer service. This did n't work. That was XXXX failed attempts with them stating I did n't give proper info. When in fact they were emailed my phone, email, property address, name and loan number. She said " well maybe it was n't legible ''. I assured each person that it was legible because it was a typed document. Then different rep tells me it is a form that can be emailed or faxed. Did n't work either. Then I ask to speak to supervisor and she tells me they have to send it certified mail. I wait. Nothing. Call back lands a different rep. She puts me on hold and I get hung up on. Call back. Yet another rep today states that it can in fact be emailed or faxed to me and is set to get to me by XXXX XXXX or c.o.b. Monday. I feel like this is a stall tactic for some reason with this company and they would rather have me foreclose and take my home. All I want is the packet so the new borrower can assume loan. Please help!!!

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 2016-04-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
5/3 Bank reported fraudulent activity on my account & closed it. They reported the activity to XXXX and now I am unable to open an account. My account was overdrawn by {$89.00} ; however, there was no fraudulent activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
They didn't help me in XXXX weeks my credit score went from XXXX to XXXX I was told to buy more credit services I don't know what's going on this is the XXXX time I called equifax last time it dropped XXXX points now Today it dropped XXXX points and nobody is helping me.i spoke with XXXX no help I even spoke with the supervisor XXXX no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX back in XX/XX/XXXX. I was on on parents medical insurance and didnt think much about the bill. Turns out, my parents medical insurance for me did n't work because it was n't properly filled out at the Hospital. I did n't even know I had any medical bills to pay until I checked XXXX XXXX in XX/XX/XXXX. I never received a letter, phone call, or any type of notification to pay this bill from the Hospital or Debt collector. They put a derogatory mark on my credit and knocked it down over 100 points. If I knew I even had a bill, I would 've paid it to avoid the hit on my credit.

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 2015-08-05
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX I WAS WITH XXXX MORTGAGE SOLD MY LOAN TO OCWEN. THEN OCWEN SAID THAT I WAS BEHING SINCE XXXX DIDNT RESEND THE PAYMENT TO OCWEN. SO I M BEEN BACK AND FORTH SENDING OCWEN ALL MY PAYMENT AND/OR RECEIPTS. 
THEY WERE SUPPOSED TO LET ME KNOW IF EVERYTHING WAS OK BUT I AM STILL WAITING FOR OCWEN TO CALL ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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:
remove the fraud FTC violation fix my credit history 15 % of my credit 35 % is utilization fix that also

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 2022-02-22
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I sent money to support my brother back on XX/XX/2022 Ria Money Transfer https : //www.riamoneytransfer.com/us/en never told it will take four business days to complete. But after the transaction is submitted now they are intentionally sitting on the money in the name of security. They have already taken funds from my account. I have visited there XXXX page that complaint common, partially because of accountability, which they think no one can ask them. 

I called their compliance department on XX/XX/2022, and provided all the information they asked about the beneficiary. The compliance officer told he let the transaction leased right after the call, but that never happened. In fact she cheated. 

My transaction numbers for reference. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
It happened to my husband, but he does n't speak XXXX. He received a new debit card, but since he got one already he decided take it to the bank, he gave it to the guy who always helped him because of his language barrier. On XXXX XXXX he went to a XXXX XXXX store and he was paying around {$50.00}, his card was declined, checked his account and he had not a single dollar there, we went to a branch located at XXXX XXXX, the lady told us she saw a couple of transactions made at XXXX Nevada, so we did the report with the fraud department, they told us it 'll take a few weeks and they will do a federal investigation and if they think my husband was n't the one who used the money we will get the money back. We also did a police report and sended to the bank fraud department all the proofs of what we say, This is already XXXX we had sended letters explaining the case, in some moment they told us they called him and he authorized the transaction but how he could do it if he does n't speak XXXX, he says he remember that he got a call from Nevada, he answered they asked his name and of course he got that, then they say XXXX, he thought they were asking him if he ever traveled to XXXX and he said yes, we went to XXXX in 2014 for a trip and that 's why he assumed was something related with our time there, but now the bank refuse to give him a credit even when they can investigate who did it because in the statement appears place, time and date where it happened, whenever my husband goes to the bank he always had asked for an XXXX speaking person, so we do n't understand how bank call to authorize a big transaction like that in a language that the customer do n't speak. At this moment they said case is close, we do n't know what to do, that 's all what we have in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 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 monetary relief
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-06-08
Company: Convergent Resources, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They keep reporting old debt that cant be verified by the collection agencies that are reporting the debt. I have asked both the companies they are reporting. Over the phone to please email or mail me paperwork verification that the debt is my. No response this debt continue to pop up from different companies every fees years. Same thing no paperwork. How can this continue to happen to people. I have disputed from the company, they come back every they have what they need. Can they show how they proving its right.

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 2016-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was a customer of Fifth Third Bank Credit Card customer when I was offered Debt Protection in XX/XX/XXXX/XX/XX/XXXX when I was called by a Telemarketer to purchase their Debt Protection Program. 
Fifth Third Bank and It 's Successors and Assigns have violated Consent Order of the United States Consumer Financial Protection Bureau Consent Order-File XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have violated the CFPA Consent Order by not providing Redress for providing Debt Protection Product that I have purchase after the trial period by telemarketing that I have signed up for while my account was open with Fifth Third Bank. 
Fifth Third Bank did in fact represent misrepresent the cost of Debt Protection to me as described in CFPB Consent Order in File No. XXXX Points # XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have not provided Redress to me that the CFPB Consent Order requires because my Credit Card was Charged off and sold to Assigns or Third Party that is XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have trying to close on a VA refinance with Freedom Mortgage since XXXX, 2016 - A company agent assured us we would close in XXXX, 2016, We followed up on every & anything additionally the company requested - This company holds our mortgage now - and every month they come up with something new & often redundant to seemingly delay the process - The current adjustable rate we have is due to change XXXX XXXX - The last excuse is that a " consumer fraud alert '' came up on our application so the closing is again pending until the underwriters investigate & remove that warning. I called today & spoke with a customer service rept & left messages for XXXX XXXX who usually sends out the notices to us - that the processing is delayed because of something - that they always have prior to her sending out the notices. 
WE were also promised a interest rate of XXXX - that the company has not locked in for us to date - but verbally agreed to after we complained about the initial rate was high and the loan officer assured us we would get the best offer if the rates went down since and the rates did drop.

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 2022-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My employer Added me as a person on her XXXX page for her diner to be able to able to add posts and update the specials well then XXXX ads started taking money out of my bank account because once I was added as an authorized account manager my information from my XXXX also when on that page this started on XX/XX/XXXX the total amount that they tipped out of me was XXXX. XXXX that's from XX/XX/XXXX to XX/XX/XXXX. I called the bank I went and got a new debit card I took my information off of the XXXX XXXX citizen 's bank has taken {$800.00} in over draft charges because of this XXXX add thing being taken out numerous times. Dates are XX/XX/XXXX XXXX XXXX. 30.00 XXXX. 25.00 XX/XX/XXXX XXXX The overdraft charges came on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
For a total amount XXXX The 1st time I called they did reimburse me 4 of the {$37.00} fees from my account now they're saying that the fraud case was unfounded and they can not return any of my money meanwhile they just keep charging me all these fees because my account is negative I have not been able to touch my paycheck which is struck deposited every Friday in over a month. It's Citizens bank. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All 3 credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Pollack & Rosen, P.A.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
*****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. 

On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. 

When I attempted to gather information in order to file a report he disconnected the phone. 

I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. 

I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX, Diversified Adjustment Services continues to leave generic robocalls on my landline answering machine ( from a variety of numbers, changing the last XXXX digits ), stating that they are calling me for a debt collector, that I need to call XXXX, despite the fact that I do not have any delinquent debts. I have filed XXXX complaints with the " Do not Call Registry, '' since my answering machine clearly states that my number is an unlisted number, and is on the registry. I have also filed a complaint with the FTC. Last night ( XXXX/XXXX/16 ), they called again. So, I decided to try this. I recognize that debt collectors have a loophole to get around the " Do Not Call Registry '' ; however, that should only be for someone who may have a delinquent debt, and that the debt collector calls personally. This agency obviously does not know who I am, because the robocaller does not use my name ( because they do not know it because I have no delinquent debts ). If they think that they can scare/scam me into returning the call, that will not happen. ( because I DO NOT HAVE delinquent debts )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and Transunion but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from Transunion, XXXX, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2022-08-04
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX  sold supposed debt of {$1100.00} to the current creditor LVNV Funding LLC on XX/XX/XXXX which is a violation according to 15 U.S. Code 1692c ( b ) and also furnished negative remarks on my consumer credit report evidencing a debt which violates 15 U.S. Code 1692e ( 8 ). LVNV Funding LLC then proceeded to contact me via a XXXX XXXX XXXX XXXX XXXX  which violates 15 U.S. Code 1692e ( 3 ) threatening to levy or garnish earnings violating 15 U.S. Code 1692e ( 4 ) on XX/XX/XXXX. All the while the account was disputed and removed on XX/XX/XXXX from XXXX but not from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: AES/PHEAA
State: CA
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:
Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX

Company response to consumer: Closed with explanation