BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, It is my understanding that CD balancing should occur when the initial CD is released and preliminary fees are received from the title company to allow for both the lender and title co to address discrepancies. Taxes are paid in arrears in Texas, however, as of XX/XX/2021, the taxable value could have been determined by submitting a written request per the direction found on comptoller.texas.gov. 

With real estate taxes being a year behind in their collection, purchase transactions require the seller to provide a proration to the buyer towards future tax bills that will come due after closing, that will be the Buyers obligation to pay, but represent a period the seller owned the real estate. The SSP/title company that closed my loan provided the lender with a prorated amount due from the seller for taxes based on the previous years charge instead of the current year as outlined in the residential contract for my loan which was settled on XX/XX/2021. 

The escrow officer from the assigned SSP has informed me that any difference in prorations compared to the amount used at closing and the current year tax bill that comes out after closing is the responsibility of the buyer and the seller to collect from the other, and if the previous owners contact info is not on the contract I will need to go through the realtor as done prior to closing. Per RESPA, itemization and/or calculation of unpaid expenses due at closing is the responsibility of the SSP and creditor. 

The managing real estate broker responded to the inquiry citing the following - XX/XX/2021 - Once the new tax statement is released and you find out that there is indeed a shortage, any requests will be between the parties of the contract. Title and/or any Real Estate Brokerages are not a party to the contract therefore can not request on your behalf. However, I can definitely reach out to the agent who was involved and ask for the seller 's new address for you but that is all that the scope of my license will allow. Keep me in the loop when you get the updated taxes and I will be happy to reach out to XXXX again. 

I have been provided with information that does not align with the the regulations outlined in TILA/RESPA on more than one occasion during this transaction. I would be grateful if someone would review my inquiry and further clarify the rules provided in the real estate settlement agreement to determine if the aforementioned actions comply with CFPB regulations. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Yesterday I was going onto my account to see if a return from XXXX had gotten credited to my account when I couldnt get on. I called and they said my account was permanently closed because someone had tried to put direct deposit into my account that wasnt my name. I get my paychecks in this account all the time and Im not sure who would try and do that. The only thing I could think is me and my fianc both have bluebird and I entered my direct deposit on something of his but even that is unlikely. They wouldnt give me any info or help me try and figure it out. I have money on my card that I can not get and the woman on the phone basically said XXXX me, refused to get me a supervisor or help to get my money released to me. I have my stimulus going into this account along with paychecks. So if someone had tried to steal my account without my knowledge that is identity theft and that doesnt give them the right to close my account and keep my money. Ive sent them emails and they still are refusing to help at all. Ive researched and see they have done this to numerous others and they never got their money back at all. This happened yesterday XX/XX/2021 and I have had bluebird for years. Never any issues besides them overcharging and saying its for a tip for the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
NewRez will not give me my $ XXXX of Loss Claims to pay my contractor so the contractors put a lien on my property. My credit score was over XXXX now it is in XXXX. I also cant pay my contractors.The work on my home is completestill they wont release my funds nor will they return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought an electric appliance about two years ago at XXXX XXXXXXXX XXXX XXXX. I bought the item on credit because their was a promotion at the time of 24 months of no interest if paid in full before the promotion expired. I have since then have paid my bill on time and never had an issue. Late XXXX of XXXX..going into XX/XX/2021, I came down with XXXX XXXX along with my family. We were in quarantine and very ill and even needed medical attention. At the time, I did not realize that the promotion had expired in XXXX and the company added all the back up interest that had accumulated for two years. I called the company in XX/XX/2021 asking if they can please give me a courtesy and to waive the interest and Ill pay the balance I owed to cancel the debt. I was told that their was nothing they can do over the phone and that I had to submit a written statement to corporate. I wrote my statement and sent it thru fax and mail. I finally received a response via mail this month ( XX/XX/2021 ) explaining to me that my only option was to go thru a third party non profit company to see what were my payment options. I called yesterday XXXX XXXX and asked to speak to someone in corporate and I was told that wasnt an option because their is no other way of getting in contact with them other than via mail as I previously did with the written statement.

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 2021-03-13
Company: EQUIFAX, INC.
State: SC
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian and XXXX failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently sent in report expressing to the three major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself.

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

XXXX. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts should be removed and blocked from my consumer report 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 non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX 15 USC 1681 Section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.

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 2021-03-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had made a purchase on my card and I was told by the dentist that it is deferred interest and that I would not be charged interest if I pay off the entire amount. I understood that whatever balance was left they would charge interest. The initial charge was $ XXXX and my balance was now {$900.00}. They charged me over {$400.00} in one lump sum in interest for the {$900.00}. I asked them about it and I said so basically if I even only owed {$100.00} you would still charge me {$400.00} for deferred interest? They said there are some exceptions that can be made. When I asked if they can reduce the {$400.00} since I have paid over half of it they said no. 
This was is called a promotion. So now hearing this I have another promotion that will end in XXXX with a balance of {$370.00}. I made a payment last month of {$150.00} so I can pay off the {$370.00} before XXXX. Then I called to get my balance, and noticed that the promotion balance was now showing {$310.00}. I asked them why it was only showing that amount and where did the other {$100.00} go? They said I would have to call in and allocate my payment to be applied to the promotion. Something else I was never told.

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 2023-10-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with Bank of America and from XXXX to XXXX, it was easy to make a payment and all my banking information was already in the system. I would call and the payments were debited within a week. Fast forward to XX/XX/2020, I called Bank of America at XXXX and my first observation was that the system was asking me for banking information all over again. I keyed in my information to make my payment in the amount of {$1200.00}, but there was no confirmation number or or the dollar amount. The system used to ask the date that you wanted the payment to post to your account, but on this day I just received an automated voice saying " Thank you '' for your payment and goodbye. I then called back the customer service number and had to wait one hour and fifty minutes to speak with XXXX. After informing her of my payment issue, she gave me the following payment research number : ID # XXXX. I had not received any followup about the initial payment and call. So, I made another phone call on XX/XX/2020 and at XXXX XXXX. The customer service line at XXXX again stated a 90 minute hold time. I just wanted to know if my payment had been received. Instead of waiting the 90 minutes, I called the customer service line, but pressed the option for COVID assistance. XXXX answered the call within a few minutes and confirmed that my payment of {$1200.00} had been received and processed. However, due to the issues with the payment system, my payment still had not been debited from my checking account. I placed another call on XX/XX/2020 at XXXX XXXX  and waited until XXXX XXXX to speak with someone. XXXX stated she would escalate the issue and to check my bank account on XX/XX/2020. Upon checking my account, the payment of {$1200.00} still has not been debited. I usually make my payments right around the XXXX of the month. Today, XX/XX/2020, I wanted to make another payment, but when I called the customer service number XXXX, the payment system asked for my checking account information again. To remedy me not going through the same circumstances as XX/XX/2020, I tried to call and speak with someone to make a payment. Consequently, there was another 90 minute wait time. I am trying to make my payments on time and continue with my good credit. I am not behind on my payments and would just like to find out what happened with the payment on XX/XX/2020. I would also like to be able to trust my lender.

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 2023-10-09
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, I scheduled an transfer of {$2000.00} to be transferred to my personal credit union checking account on XX/XX/23 ( this was to cover payments, including a large payment to a credit card, to be made several days after the transfer was to occur ). I received an email notification 1 minute after scheduling the transfer confirming the transfer would happen on XXXX. 

This transfer never occurred ( I was entertaining out-of-country guests the month of XXXX ). Due to my company and workload, I did not discover this failure until I received a letter via USPS on XX/XX/23 from both my credit union that I had an NSF and the credit card company for whom a large payment was scheduled. I contacted Marcus immediately and have spoken with 6 representatives ( including 3 supervisors ) on XX/XX/23, XX/XX/23 and XX/XX/23. The first said they would " look into it '' and call back, which they did but said they " just didn't see the transfer ''. None of them would research the matter further OR thoroughly and just kept saying " they didn't see the transfer '' and " at least I still had access to the funds ''. See the attached letter to Goldman Sachs Bank dated XX/XX/23. 

I am very upset that not only could this have caused damage to my credit rating, but that they can not find ANY evidence that I scheduled the transfer in spite of the fact that I have a printed confirmation with the date and time I scheduled it ( and a very long confirmation number ) and the fact that I received an email confirmation within 1 minute of scheduling the transfer. 

I was told I could only write a letter ( which I have done ) to have fees reimbursed and mail it via USPS. They have no means of of emailing or uploading my confirmation and email. In addition, my letter requests a thorough investigation into this matter. 

I believe that Marcus by Goldman Sachs has something wrong in their system that cause a transfer not to go through. I feel certain I am NOT the only person to whom this has happened and I feel a full investigation needs to be launched to determine what happened and why the transfer did not take place ; as well as what happened in order to correct the matter. As a XXXX XXXX in the XXXX XXXX I am quite upset at the poor customer service and handling of this matter, ESPECIALLY in light of the fact that they can not locate a transfer THEY CONFIRMED VIA EMAIL!!!! 

I am also very concerned with the poor attitude of all 6 staff members and their 'inability ' to launch a more thorough investigation. This is an online savings account that they advertise the ability to make a {$100000.00} same-day transfer to external banks, yet they couldn't do it with over 3 weeks notice. 

I have filed a complaint with the Federal Reserve but was referred to the CFPB for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Penn Credit Corporation
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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