BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicing company, XXXX ( Lakeview Servicing ), does not properly disburse funds from escrow and does not communicate with its customers. As is typical with a conventional mortgage, my homeowners insurance and flood insurance was supposed to be paid from my escrow account. All payments are current and have always been paid timely since the inception of the mortgage. 

Regarding my homeowners insurance, XXXX did not timely pay to re-new my insurance policy, which resulted in a lapse of coverage and multiple phone calls to try and resolve why the premium was not paid. This is unacceptable and the company should be making timely payments and not allowing its customers to be left with a lapse in coverage. 

Regarding my FEMA mandated flood insurance, XXXX never advised the flood insurer that it was now servicing the mortgage ( originally a XXXX Mortgage ). XXXX never paid the flood insurance renewal - allowing the Policy to lapse. The original flood insurance company refused to back-date the Policy, resulting in me having to purchase a completely new flood insurance at a much higher cost. I provided proof of a brand new flood insurance policy on XX/XX/XXXX and still today ( XX/XX/XXXX ), XXXX has refused to pay the policy premium through the escrow account. They have instead suggested I buy the Policy myself. XXXX is also threatening to charge the account {$670.00} because there was a lapse in coverage - a lapse that the company caused and created and is now blaming the homeowner for and charging the homeowner. XXXX is placing lender placed forced flood insurance on my property, where I have provided a different Policy and they refuse to pay it and instead tell me the situation is " out of their hands. '' Most of the representatives are nice, but seem very limited in anything they can do and can not resolve any situation. Please do not allow XXXX to continue to service mortgages, and fail to pay from escrow accounts, resulting in a significant hassle and frustration to the homeowner. This is an unacceptable practice, whereby ultimately, XXXX is holding on funds it needs to release and is engaging in predatory lending practices and violating fair debt collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2020 i paid off my XXXX XXXX loan. I received the escrow for the loan. In the contract written by money lion it says i will be able to cancel my membership after paying off the loan. Money lion has prevented me from canceling my membership. Not only has money lion prevented me from canceling my membership i have been charged a weekly membership fee and fraudulent reports have been filed on my credit report. I submitted documents showing i paid off the loan in XX/XX/2020 but every time i call the customer service number they tell me to wait longer. it has been well over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AL
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:
Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau Experian, XXXX, and XXXX XXXX asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. XXXX will not let me view my account.

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 2023-07-25
Company: EQUIFAX, 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a letter from US Bank dated XX/XX/XXXX notifying me that my account was debited in the amount of {$3400.00} to reverse an entry to my account in error. No backup documents were included so I contacted the bank for clarification on XX/XX/XXXX. After speaking with XXXX different people, I was finally told that the transaction happened on XX/XX/XXXX and they could not provide further information. That same day, I went in person to a local branch and spoke with a teller who provided me with only a bank statement that did not show any explanation either. I went to the bank again in person on XX/XX/XXXX and requested for documentation to prove that the {$3400.00} was incorrectly deposited into my account ( over 2 years ago ) and they could not provide me with anything. I received a call a few days later and all they could tell me was that the name on the check that was deposited was not mine and they could not give me images of the deposit/transaction.

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 2023-05-31
Company: Aldous & Associates, PLLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX XXXX I received an alert about an account under the name of Aldous and Associates had been created under my credit report. On XXXX XXXX XXXX, I received an alert about a nonmedical collection of {$170.00} to XXXX XXXX XXXX. 

However, under article 809 in the Fair Debt and Collections Act, it is written " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ''. 

Prior to observing the alerts of a new account on my credit report under the name of Aldous and Associates, I received NO " initial communication '' regarding the debt, nor did I receive a " validation of debts '' regarding this collection. I did not receive ANY communication regarding this debt from Aldous and Associates, whether the communication was written, electronic, verbal, or any other possible form of communication. I have not yet received a validation of debt, nor notice of debt, nor information regarding my rights to dispute this debt, nor any other form of communication in regards to this case. 

Therefore, I am writing this complaint in regards to the lack of communication from Aldous and Associates prior to creating and reporting the account to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: TN
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:
Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
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 consolidated several of my credit card accounts. We had two hardware store accounts, one with XXXX, and one with another store. I had misunderstood in the loan process which of the two accounts were being paid in full. Therefore we had not made another payment on the XXXX  account. Our loan was finalized the end of XX/XX/XXXX and payoff checks were sent the 1st part of XX/XX/XXXX. I was working out of town most of XX/XX/XXXX and when I came cross the bill showing it was not paid, i promptly made a payment -- well over the min due. I pay double or more than my minimum every month, this was the first time I have ever been late on an account. 

I have not received any phone calls, emails, or additional correspondences alerting me the account was past due. One would think if an account was two payments late that phone calls would be flooding in daily, multiple times a day. I called XXXX CC services and asked them why we did not receive any phone calls, or if they could confirm calls were made. After being transferred to 4 separate agents all i was told was the procedure is to go into a dialer but no one could confirm any calls were actually made to my phone. I can assure you, if i would have received a phone call, I would have answered it, and i would have paid immediately. My credit is important to me, and i have worked hard for the credit score i have today. Yes I should have been more aware of this account not being included in my payoff. However I fail to not fault XXXX somewhat in not providing any notification at all to alert me of something wrong with my account. This one blemish has dropped my credit score significantly, and it is not acceptable. I have asked XXXX if they could rehab my account or provide me with a courtesy adjustment. Yes agencies are required to report accurate information, however agencies are permitted to make adjustments, and this courtesy is intended for consumers who have made an honest error, and again had XXXX contacted us when they did not receive our payment in XX/XX/XXXX this never would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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

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 2023-07-23
Company: JPMORGAN CHASE & CO.
State: AL
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:
The purpose of this letter is to complain regarding the practice of J.P. Morgan Chase requiring the postal submission from their online account holders to opt out of Chases arbitration agreement when such requirement is given electronically to account holders or when such opt out submission had been previously given. 
On XX/XX/XXXX, I, XXXX XXXX attempted to logon to Chases website to manage and to view my credit card transactions. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX Screen Shot for online access ) entitled Accept Disclosures and Agreement. I completed the both acceptance agreements after viewing and reading both of the documents and was given access to my online account information. I noticed on page XXXX of the XXXX XXXX XXXX ( see PDF file Opt out of Arbitration ) text pertaining to my ability to opt out of Chase agreement to arbitrate. I investigated the two website addresses given : chase.com and jpmorgainonline.com profile, to ascertain how to opt out of arbitration. There was nothing written or specified by which I could opt out of arbitration. I decided to telephone Chases Customer Service Department.

I telephoned Chases Customer Service at XXXX. I spoke with multiple Customer Service representatives. NOT one of the representatives was able to answer how I could opt out of arbitration. Therefore, I wrote a secure e-mail through Chases website complaining of my attempts to opt out of arbitration ( see PDF file Dens Chase E-mails XX/XX/XXXX & XXXX, XXXX ). My next step was to send my opt out letter through the United States post office ( see Scanned Dens 2nd Arbitration Letter ). 
I received a written response to my XX/XX/XXXX opt out letter from Chase on XX/XX/XXXX ( see Chase Response to XXXX 2nd Letter ). What is confusing regarding Chases response is whether my first attempt to opt out of arbitration, referenced as XX/XX/XXXX, is sufficient or effective for all future attempts by Chase to have an account holder opt out of arbitration? I would like a ruling or determination if an account holder is required to continually submit opt out of arbitration agreement each time a bank or financial institution submits updates or revisions to their disclosures or agreements? I suggest that documentation regarding opting out of arbitration clearly state that resubmission of letters opting out of arbitration are not required if previously submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I fall behind on my payment do to corvid 19 I lose my extra income. because stay home. and they ad some fee over {$10.00} during pandemic but now I want to make a payment regular monthly, its very hard the amount they ask me to pay. and I really don't understand what they adding, i have no knowledge at all abut my home lawn. please help me to save my home .they not contact me at all. I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: W&A Intermediate Co., LLC
State: GA
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:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the pandemic things got rough for I and my wife when she lost her job and we got behind on our bills. We heard about a program that was supposed to offered by our mortgage company for the purpose of helping people who dealt with financial hardship through the pandemic, so like many others we called our mortgage company Carrington mortgage, who explained to us that the plan was a federally backed Covid-19 plan designed to help people just like me. My wife and I agreed that this was the best step to preserving our credit and making sure that we dont default on our home loan and become foreclosed on. We were current on our payments at the time we went into Covid-19 forbearance, and our credit scores were between good and better, however what happened after the 3 months of us being on the forbearance was a nightmare. When we called to find out how we were going to be able to get off of forbearance and begin to bring our account back to normal, we were told that we had several different options and one of which we chose was the one that they put the payments on the backend of the loan which sounded simple enough, however it required us to pay a fee for the next 3 months to get our account out of forbearance and show that we were capable of maintaining the new payment after forbearance, we agreed and began n to pay the new mortgage payment with the fees included which seemed simple enough, however as time went on it became a never ending story of when will we be taken off of forbearance. Three months of forbearance quickly turned into a year of us on a forbearance plan, why you may ask? Because despite the fact that we continued to pay our mortgage every month with the fee included, the company kept telling us that they could not take us off of forbearance at that time which finally turned into them telling us that the company was in the midst of being sold and that they would not be able to take us off of our forbearance until after the sale was over. To make things worse we tried to refinance our car and checked our credit only to find out that Carrington had put the forbearance on our credit report at the time and we couldnt refinance our vehicle while we were on a forbearance plan which continued to go on for months on in because of them stringing us along because of some sale of the company going on. Their harmful practices damaged our credit and we began spiraling down from that point and never did fully recover from it all because of what happened. It was a sad situation because we continued to make our mortgage payments on time with the fee included for months on in, and me calling constantly trying to find out when they would release me from forbearance which was supposed to help us to avoid a negative impact, but as time went on it impacted us more negatively than if we were to have done anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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