BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sent a message to my mortgage company, CMG Mortgage, that it appeared that they paid my annual property insurance bill, from my escrow account twice. Once in XXXX and again in XXXX. The amount paid twice was {$3000.00}. At that time, I was told to allow 7 -10 days to see the funds back in my account. 

On XX/XX/2021, I closed on a refinance and the loan at CMG was paid in full. I have not received the balance of my escrow account as today. 

Since then, I have followed up with online messages and phone calls. On XX/XX/2021, I was told that after some research, they discovered that that sent the first payment to the wrong insurance company in XX/XX/2021. So when they were notified again for payment by my insurance company, another payment was sent in XX/XX/2021. I was told by employee XXXX ( employee # XXXX ) to expect the issue resolved by XX/XX/2021. 

After not seeing any resolution, I called again on XX/XX/2021. I spoke to XXXX. He told me that they have not received any response from the incorrect insurance company regarding refunding the payment and CMG can not refund me until they receive the funds back from other insurance company. He said I could call the incorrect company if I would like. I told him that this was CMG 's error and not mine. They should not be holding my money hostage because of their mistake. They paid the wrong company, not me! 

I believe that laws are in place that any monies left over after payment are to be returned in a certain period of time. To date, my balance in my Escrow account is {$700.00}. Together with THEIR error, I am owed {$3700.00}. 

Please feel free to reach out to me for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive never had any dealing or account with XXXX XXXX XXXX and I am not sure why Experian and XXXX has allowed this company to report to debt to my credit file. I have not given Experian or XXXX the okay to report this bogus account to my credit file. This has violated the Fair Credit reporting Act. I will get an attorney involved over {$100.00} if I have to to file a lawsuit against XXXX XXXX, Experian and XXXX for reporting this bogus account. XXXX XXXX is known to buy bogus debt accounts and try to collect and have no ownership of these accounts. Please provide ownership of this account and where you obtain this bogus account from. If not removed I will file a case a sue for {$1500.00} per incident

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX and TransUnion are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX nor did XXXX XXXX XXXX XXXX make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtness ). I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to XXXX XXXX XXXX XXXX making false claims against my Estate XXXX XXXX XXXX I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.

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 2022-10-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a MA resident. I had a citi prestige card. On XXXX  I was charged another year of annual fee {$490.00}. On XX/XX/XXXX I closed the account. Citi refused to refund pro-rated annual fee, which is against the massachusetts local law about annual fee partial refund policy. 
Part I Title XX Chapter 140 Section 114C " A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX

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 2022-10-18
Company: AUTOMOTIVE CREDIT CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In reponse to my initial complaint against Automotive Credit under complaint # XXXX, Automotive Credit admits they no longer hold ownership of this account and they admit to selling the account to XXXX ( debt buyer ). However Automotive Credit is still inaccurately and illegally reporting a balance due on my credit report. I no longer owe Automotive credit any balance because the balance was sold and to be collected by XXXX ( current owner of sold account ). Since there is no obligation to pay Automotive credit and the obligation is now to pay XXXX, it is illegal according to the FCRA for Automotive to inaccurately report I owe any balance to them when the balance is actually owed to XXXX.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I'm not liable for this debt with XXXX XXXX XXXX. I don't have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract I requested. I haven't signed anything. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2022-10-18
Company: I.C. System, Inc.
State: FL
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:
I have never heard of this company before and have never done business with them. After some research, i found out this company is not licenced in the state of florida to collect, which makes me feel like this is A scam and illegal. This is showing on my credit report which is how I got the 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 explanation
Consumer complaint received 2023-06-16
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX  defaulted 30 days in XX/XX/2022 due a XXXX XXXX 
Chase was contacted about it and issue credit other wise never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am Veteran, and I was about to close my mortgage with the lender upcoming week. 
Lender told me on XX/XX/XXXX, that They weren't successful in getting my credit score only from Equifax. They said that the account is locked.

As of XX/XX/XXXX, I checked online and called the customer service to see the reason why my account is locked automatically without me knowing. 
Got on the automatic voice call, and the voicecall told me that they can't verify my address through questions. However, I have only moved three times in California, and I tried every single address, they said it's not valid. So following their instruction, I faxed, and mailed priority with my ID documentation ( passport, Social Security number card, pay stubs with SSN, W-2 with SSN ) and sent my address verification ( utility bill with correct address, w-2 form with  correct address ). 
The voice told us to wait 10-15 days. we did. 
after 7 days, we got a letter through mail that the documents we provided was incorrect or is hard to achieve. Didn't quite understand because we've sent everything possible even private document that was high-res photocopied. 
we called the supervisor and the customer service again, first time, the representative heard what our problem was, and hung up on me. 
second time I called, the representative said the same thing. to send over fax and mail. 
we faxed again about 5 times last week. Still nothing. 
This is going to be problem in future no matter what, because simply, the company can't even verify who I am, but they automatically locked me out because of their breach at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I legally change my name to from XXXX XXXX XXXX XXXX XXXX XXXXXXXX now Chase bank JPMCB - CARD SERVICES account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXXXXXX XXXX XXXXXXXX You stop report my credit to XXXX since last year XXXX and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to XXXX a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX Update today XX/XX/XXXX I enroll again to chase credit journey and I receive an email with hi XXXX welcome!! The name on your system hasnt not been update! Do not tell me to contact experian to fix it the problem is on your side! Yall cant fix a name problem I wonder how this company management people money? 
Chase bank are lying about this situation my report is 100 % correct with experian Important note Account name JPMCB CARD Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status NO STATUS You have to be responsible to fix this problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In accordance with the Fair Credit Reporting Act FSTPROGRESS Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.

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 2023-07-26
Company: DOLLAR MUTUAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I visited the XXXX ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, USA, to deposit a refund check received from XXXX XXXX XXXX XXXX. The details of the check are as follows : Check # : XXXX Check date : XX/XX/XXXX Check amount : {$2200.00} The screen suddenly went black after inserting my card and the check into the machine. Since the branch was closed then, I promptly contacted Dollar Bank to report the incident. They assured me a new card would be issued and provided a provisional credit for the deposited amount. 

There was a witness to this incident in the car with me. We are willing to make affidavits regarding the incident. 

The following day, I contacted the branch and was informed they still needed to retrieve the checks from their ATM. Unfortunately, they did not disclose whether this issue was specific to the ATM, stating that the back office/third party handles ATM matters. 

However, this weekend, around XX/XX/XXXX, I discovered that my account balance had plummeted to approximately - {$840.00}. Concerned, I contacted the bank on Monday, XX/XX/XXXX, seeking clarification. XXXX from the bank advised me to place a stop payment on the check and informed me that I am now responsible for any account-related matters since the check was not retrieved from the ATM. 

Throughout my association with this bank, I have never encountered any issues with my deposits. In light of this situation, it would have been appropriate for the bank to notify me promptly if there were any problems with the ATM, such as the check being damaged or stuck inside the machine. 

Regrettably, the resolution process may take XXXX to XXXX days for XXXX XXXX XXXX XXXX to issue another check. Meanwhile, I incur bounced check fees, and my debits and withdrawals face difficulties. 

I request your assistance in investigating this matter to ascertain the cause of the incident and to ensure a fair resolution. Your prompt attention to this issue would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX have been targeting young XXXX people of XXXX XXXX and purposely with the intent to fraud consumers into a mortgage agreement for a timeshare knowing there is no deed attached to the agreement 3 UCC ( 1 ) ( iii ) unauthorized use of my consumer report 15 USC 1681a transactions and experiences are not included in the consumer report, XXXX has violated this law with the intent to further damage my consumer report and finances 15 USC 6801 it is their obligation to protect this 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 explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2021-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTEM OF XXXX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES

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 2021-10-26
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1.I live in XXXX County Oklahoma XXXX NEW REZ ACCOUNT NUMBER XXXX 2. in XXXX of XXXX The tax assessor accidentally sent the tax bill to my mortgage company for a parcel which is not part of the mortgage. I always pay that bill in full because that parcel is not mortgaged. 
3. In XXXX when the NEW REZ mortgage company reviewed my escrow payment they included that parcel ( WHICH IS ONLY {$130.00} PER YEAR ) 4 .They raised my monthly mortgage payment by over {$100.00} per month!!

No way can this be accurate even if they spread {$130.00} over 6 months.

Because I had that parcel for sale I did not immediately call them about this.

5.Th e land was listed for sale in XX/XX/XXXX and closed XX/XX/XXXX! 
6.I have tried for two months to get this payment corrected but have not received any personal call about it. Just ROBOTS ROBOTS ROBOTS!

7. They have not changed my mortgage payment!

ACCOUNT NUMBER XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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 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