BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The check my bank sent for the regular XXXX payment using XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX was not cashed, and the mortgage payment showed on the RCS website as past due. 
I noticed and called them around XXXX/XXXX/XXXX. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers. 
I called again around XXXX/XXXX/XXXX, and was assured again that all is well. 
on XXXX/XXXX/XXXX the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortgage payment will be posted to the credit agencies. That would be a credit disaster. 
I received no promise that such a report will not be filed. I therefore offered to pay again for XXXX over the phone, about two weeks earlier than my regular payment in XXXX, to make sure that the XXXX payment is credited before 30 days are over. 
The agent told me that while the penalty will be waived, a " transaction fee '' varying between {$5.00} and {$12.00}, charged by XXXX XXXX, will be charged to me. He said that he has no way to waive this charge. 
My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere. 
I ended up paying again for XXXX through their website, paying a {$5.00} transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account. 
RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me {$5.00} this time, but I had issues with them in XXXX and in XXXX where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with. 
They need adult supervision before they cause a lot of damage and a lot of work for other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

In Addition, Penfed credit Union overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

As a result, my recredit report is incorrect and inaccurate.

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 2016-09-19
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My family rented an apartment from XX/XX/XXXX through XX/XX/XXXX. The lease was a 6month lease. During that time I incurred expenses from having to fix/service/clean the HVAC unit after the apartment complex refused. Then about a month later the entire HVAC unit went out, and the apartment was without central heating and air for about two weeks. During that time the apartment became uninhabitable and we were forced to vacate on certain days. The refrigerator also went out, which was the apartments responsibility and we lost a months worth of groceries. My family was forced to break the lease and go find a habitable residence. To make matters worse on top of having to deal with all these maintenance issues, my wife is a XXXX and her meds have to keep cool and the shear heat of the apartment can and did effect her XXXX, which was one of the main reasons we were forced to leave on the extremely hot days. 

I mentioned the above problems and asked for reimbursement on multiple occasions but to no avail. I filed complaints through the apartment complex, their corporate office, the XXXX, XXXX, XXXX, and XXXX. All of which were unable to resolve this issue. I later found out the XXXX could n't do anything because in fact the complex is n't an accredited business. I am now currently fighting this issue with the credit bureaus because the bill was sent to collection and it 's on our credit. The one time I spoke to the collection agency I was told they did n't want to hear my story and I owed the debt, and that if I did n't pay I 'd be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collector by the name of XXXX XXXX XXXX also known as Roosen Varchetti and Oliver sued me and obtained a default judgement against myself and proceeded to garnishing my wages on debt that was never verified. I received notice of the garnishment XX/XX/XXXX without receiving a summons for the garnishment more than 3 days after date of service. XXXX XXXX purchased my account from the original creditor and the creditor never sent notice of this information nor did either the creditor or debt buyer send me in writing proof of a deficiency balance, and they never verified the debt with myself and I have reached out to the debt buyer to advise of this information and filed a motion on the underlying judgment to stop the garnishment in which I was required to mail to the debt collector as well. Debt laws require verification of the debt to be sent to the debtor before pursuing the debt or collecting on said debt. XXXX XXXX failed to prove they own the debt or why I owe them more than {$8900.00} + {$1000.00} in interest fees and it makes no logical sense nor have they provided documentation proving the debt. I also filed a bankruptcy in which I received a discharge yet they were able to bypass this and garnish my wages. I called XXXX XXXX XX/XX/XXXX to let them know they are wrongfully collecting on debt that was DISCHARGED and debt that was never verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: DISCOVER BANK
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
I charged a car rental ( XXXX ) using my Discover Card. The car was " never rented '' as I disputed the charge and the reservation was cancelled by the rental agency The Reservation # was XXXX The amount is {$140.00}. Discover has said this was resolved. 
However as of my last payment ( XXXX ) I paid this along w/ other charges for fear of damaging my credit My records show XXXX debits and only XXXX credits so I think I 'm owed the {$140.00}. They refuse to give me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company : LoanCare Primary problem : the mortgage company failed to timely pay my property taxes ; I still do no know whether they have been paid ; the company has been unresponsive to my email and XXXX phone calls regarding the issue. 
Secondary problem : the company has incorrectly calculated my escrow amount ( by over {$300.00} per month ) ; again, the company has been unresponsive to my multiple inquiries on the issue ; based on a conversation I had with XXXX company representative, it appears the issue is a result of the company 's failure to calculate it based off the current tax assessment, and instead, the company just " guessed '' what the amount should be ; I need this issue timely addressed, as {$300.00} extra a month ( which is not actually necessary ) is not financially feasible for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got behind on mortage payments. 
and I sent all information that the mortage company requested and received a repayment plan that I could not afford because they used my fathers income and he does not help or live at this residence. I was told by them Carrington to do a Quit Claim Deed I did so I could submit paper work only for me and I sent them a copy they have on file because I called them to check if received.So now I have received XXXX calls and XXXX letters telling me I have to send in information for my dad even though I did the quit claim deed. 
I have given these people everything they have asked for.I have a XXXX counselor who has faxed everthing to them. I am not trying to loose my house.Now I was told to fax in a request for a loan assumption package I do n't understand it 's like they do n't care if you have done everything they asked and in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX I scheduled a payment for half of my open balance for XXXX and the remaining portion of the balance for XX/XX/XXXX which would bring my balance to {$0.00}. On XXXX I also reached out to have the account closed. The live chat agent confirmed that the balance was scheduled to be paid in full and confirmed that the account was closed. 

On XX/XX/XXXX i received an email saying my payment scheduled for XXXX was returned. It was not withdrawn from my bank account. I reached out to customer service and they gave me many conflicting answers before disconnecting the chat. I reconnected with another agent who refused to acknowledge what I was saying and typed gibberish. His responses were not coherent. He said things like " may i now know {$1500.00} '' which made no sense. I requested to be transferred to a different agent. Once transferred, i began receiving notices that the agent was ending the chat every 15 seconds, making it nearly impossible to communicate. The agent then gave me conflicting information, telling me the payment was on hold for 6 days and then would clear, then saying it could either clear or be rejected in 24 hours, then saying it is on hold for 6 days again and the email I received was incorrect. I feel this is retaliation for me requesting my account to be closed. I have expressed that all I want to do is pay my full balance and close my account but they are refusing to accept payment. They would not provide me with chat transcripts and did not allow screenshots.

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 2022-09-18
Company: E Mortgage Capital, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX ( XXXX XXXX XXXX made an offer on a home at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I also stated to the lender XXXX XXXX XXXX Mortgage that I would need down payment assistance. The offered-up XXXX XXXX had a program for me. Through the course of the Loan Process i have asked XXXX XXXX on his recorded line do I need to get closing costs, XXXX stated that Fannie Mae would take care of all closing cost. I believe I have had XXXX different mortgage companies over the past XXXX weeks. I pulled my XXXX money to pay for the Appraisal, Home inspection, and XXXX money, I borrowed XXXX from my parents and when I received XXXX monies i returned the XXXX back to my parents. My original date to close was XXXX, but due to a form not being filed it was pushed to XXXX no explanation given. During this whole process i continued to ask XXXX if I were going to need any monies for closing, he assured me I would not. On XXXX XXXX XXXX from XXXX XXXX emailed me and stated i would need XXXX for closing costs, and XXXX in reserve and show proof of how monies were obtained, before closing on XXXX. I have emails between myself and XXXX locking me into a XXXX XXXX XXXX, XXXX XXXX he has me Locked in at XXXX XXXX. I have documents showing i signed a XXXX XXXX  loan estimate. I also have the XXXX XXXX estimate unsigned document. XXXX stated in an email that i am now at XXXX XXXX he needs to provide that documentation. Over the course of the XXXX weeks i have watched my loan payment grow by almost {$600.00}. i was instructed to take a XXXX XXXX course in the course there is a XXXX calculator after doing it XXXX XXXX said i was only eligible for XXXX dollars, my purchase price for this home is XXXX. I can not come up with the XXXX closing cost, and the XXXX in reserve in a three-day period. an in accordance with XXXX XXXX I should not even be buying this property. I have been given misleading information this whole process, i have emails and correspondence to back up my claim, XXXX uses a recorded line when you call his office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BBVA COMPASS - ( ACCOUNT NUMBER XXXX ) XX/XX/2016 BBVA COMPASS FRAUD and INVESTIGATION Department RE : account number XXXX To whom it may concern : On XX/XX/2016, I received an email from your bank indication fraud was impacting my checking account. In fact, {$3300.00} was stolen from my account after BBVA COMPASS allowed someone to compromise it. I called BBVA COMPASS that evening and could not access my account as passwords and security questions had been changed. After a quick investigation by BBVS COMPASS, I was told someone called in to their customer service to change information, followed by the creation of a 'WALLET ' access to my account, followed by a request for a new debit card, and finally on XX/XX/2016 the {$3300.00} in purchases and debits were taken from my account. All happening in OHIO or IOWA. 

Prior to the big day of XX/XX/2016, BBVA COMPASS sent a new card to the criminal and sent a new card to me. That makes two active cards numbers on one account. 

The account was closed immediately by BBVA COMPASS and a new one was created and I quickly created my own 'WALLET '. The {$3300.00} deposited in my new account within a few days. This was the end for me even though I was told my account would be closely watched on every transaction for several weeks. 

Fast forward to a few days ago. I started receiving account statements on the closed account over drafted {$3300.00} plus fees. This is when I made a visit to the branch located on XXXX Texas. It was at this location where I was informed the investigation was closed since they did not receive a police report. 

No one ever contacted me concerning a police report and I thought my part was over in this process. I have been to this bank several times since this happened. I have an online account, a 'WALLET ' application with my account, and my email is associated with this account yet there was no requests made of me in any of these superior formats to get information. 

The police report information : XXXX Officer XXXX badge XXXX PD XXXX This is a request that BBVA COMPASS complete this investigation, shore up their practices and procedures, and leave me alone. 
Sincerely, XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX TAKEN BY COMPANY CHARGE OFF/ COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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 everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

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 2021-03-11
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX was servicing my mortgage load for Loancare. In XX/XX/2020 I had an escrow overage of {$200.00}. Loancare sent me a check for the overage. I deposited the check into my checking account. 13 MONTHS LATER, Loancare put a stop payment on the check. 13 MONTHS LATER with zero explanation! Zero! No letter, email, call, NOTHING! I have since refinanced and am with a different mortgage company. While XXXX was servicing my loan, they were not distributing my payments correctly and I had to file a complaint with you. 
This company is shady at best. 
I work hard for my money. I believe they are thieves! 
There needs to be an investigation. 
I want a new check for {$200.00}. 
Unacceptable!

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 2017-01-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am working on a short sale for clients. Carrington Mortgage is the lender we are working with. We currently have an offer and for the last 3 months Carrington is requesting documents that have been sent on numerous occasions. CMS shut file down back on XXXX/XXXX/XXXX because they claimed they did not have complete package - all documents were submitted on XXXX/XXXX/XXXX and I verified receipt of docs on XXXX/XXXX/XXXX. Since I was advised on XXXX/XXXX/XXXX that the file was shut down I resubmitted the ENTIRE package again. On XXXX/XXXX/XXXX CMS still could not seem to get it together and I had to resubmit the entire package AGAIN. The current offer we have was received and sent over on XXXX/XXXX/XXXX - I verified receipt of everything, however CMS still claimed they did n't have XXXX, expense sheet and XXXX - they were resent AGAIN on XXXX/XXXX/XXXX - on XXXX/XXXX/XXXX I was told the file was in underwriting and to call back in a week for an update. On XXXX/XXXX/XXXX I called - still under review, I was told they should have update later that week or the following week. On XXXX/XXXX/XXXX I was asked for taxes, household expenses and the XXXX - I provided dates these documents were sent and sent them AGAIN, this time they also asked for lease agreements from the borrowers. On XXXX/XXXX/XXXX I received leases from both borrowers and emailed them over to CMS. On XXXX/XXXX/XXXX, when I returned to the office I called for an update - CMS is asking for taxes, leases and expense sheets - I advised they were sent numerous times to BOTH email addresses AND faxed, provided dates and resent to email and fax AGAIN. I called in again today, XXXX/XXXX/XXXX for an update and they 're still asking me for the same docs. I do n't know how many times I have to send them the same information before they finally accept the documents but I 'm tired of the games. We may possibly lose a buyer due to their negligence. This is unacceptable and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
i aquired this loan and after it i was deployed after being deployed i was unable too pay off both car loans aquired. i tried working it out with the actual bank paying but they had alerady illegaly sold my debit off too an collector too harras me while i came home from depolyment my depoyment wasXX/XX/XXXX on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation