BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a written Payoff Statement from TD Bank on XX/XX/2020 at XXXX. In reliance on this statement, we refinanced our mortgage and wired the full and final payoff balance plus 4 additional days interest to TD Bank on XX/XX/2020. TD Bank accepted that wire payment. As part of our refinance, the title company collected and paid the XXXX property taxes to the County. 

On or about XX/XX/2020 TD Bank called my husband 's cell phone to state it was a collections call for the outstanding balance due on our mortgage. We informed them this must be an error that our mortgage was paid in full in XXXX. This was our first notification by TD Bank. 

On XX/XX/2020, we received a letter from TD Bank stating the payoff statement was incorrect. On XX/XX/2020, TD Bank without our authorization withdrew the second half property taxes from our escrow account in excess of the account balance creating an escrow shortage after TD Bank was in receipt of our full and final payoff on XX/XX/XXXX. TD Bank included these escrow funds in a check that was cut to the County on XX/XX/2020. We have no proof of this tax payment and the County has not posted it to our account. 

We were never notified of the escrow shortage that TD Bank created after receiving our payoff until the collections calls began on XX/XX/XXXX. In fact, TD Bank had just completed an escrow analysis in XXXX after paying our the first half property taxes in XXXX. TD Bank is now demanding an additional {$2800.00}. 

On XX/XX/2020, I spoke to XXXX XXXX who refused to give me his last name ), the supervisor of the loan servicing department, who confirmed that TD Bank received the payoff funds on XX/XX/XXXX. He confirmed that the amount due was caused by TD Bank deducting funds from our escrow account on XX/XX/XXXX. He refused to attempt to contact the County to request a refund of the taxes that TD Bank sent in error and told us we must seek our reimbursement. 

TD Bank is not only penalizing, but also causing an undue hardship to the consumer for their own errors and omissions that started with : 1. incorrect escrow analysis ; 2. unwillingness/refusal to apply the payoff wire ; 3. breach of fiduciary duty to cause an escrow shortage after receiving a full & final payoff ; & 4. lack of any notice to the consumer for over 21 days after receiving and holding the Full & Final payoff ; 5. Failure to satisfy the loan when in receipt of the Full & Final payoff amount ; & 6. Placing the consumer in collections and negatively impacting the consumers ' credit due to TD Bank 's refusal to apply the full & final payment. 

These are unfair, deceptive and egregious financial business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a construction loan through Arvest in XXXX, MO. We thought we had done enough research and were going with someone who would help us. We were wrong. First, our DTI was calculated using our temporary rent ( while we build ) as permanent debt after our build, and a " proposed '' payment for a final loan was added to our DTI making it very high. This took some work on our part to get Arvest to fix it. We got all the way through our construction application process ( 8-10 weeks ) and the appraisal came back extremely under market value. Our new construction home was appraised at $ XXXX/sq ft, while other banks were estimated at $ XXXXsq ft. The wrong land was appraised as well. We sent in a appraisal appeal and assumed that the bank would see how under value the appraiser had done. We were told we had to obtain our own comps, and were given no guidelines other than confirmed sold within 12 months and comparable. We thought we did well obtaining comps. We even submitted reviews for the appraiser, XXXX XXXX with XXXX XXXX XXXX. All of which were 1 star for under appraisal. The appeal came back XXXX/XXXX/21 as no changes stating " comps weren't close enough ''. Our house is going to be XXXX sq ft. We used comps of houses XXXX sq ft. They said the lots were too small on some comps. Some used on the official appraisal were 2 acres. The appraiser was at the meeting with the bank appeal team and the appraiser was the one to make the final call. I called Arvest and asked why there were no changes when the land appraised was not even the correct land. I was not given a good explanation and was basically told there was nothing I could do, other than submitting a new appraisal or doing an additional loan causing more risk to us. I have submitted a formal complaint with them and a manager from the bank contacted me ( with no help ). We are now starting from square one at a new bank, with higher ratings. I'm trying to ensure nobody goes through this same boat with Arvest Bank. We have good credit, a good income, and we don't have much debt. There is no reason this should've happened to us. It almost like Arvest did not want to give us a loan.

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 2022-04-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked for the XXXX XXXX XXXX XXXX XXXX, starting when I was XXXX XXXX XXXX. When I started working I was already in college and it took me about XXXX more years to finish due to unexpected kids, wife getting laid off, needing to work extra hours to pay the bills, and so on. I eventually made it though and graduated when I was XXXX. Due to having XXXX kids, low paying, jobs and struggling to pay bills I chose the lowest repayment plan I could to get by. I did this for about XXXX or so years until I decided to check into my PSLF status to see how close I was to get my loans forgiven. This is when I learned none of my payments counted towards this program. Not a single one of those 85 or so payments counted because it was not a qualifying repayment plan. Plus some of my loans were not eligible because they were FFELP loans. Doing some research it seemed there was really nothing I could do about it. So I decided since I have to start from zero might as well consolidate to get my various loans, particularly my ineligible loans, into one eligible loan. I applied for an income driven plan to make sure I was making eligible payments going forward. Amazingly the income driven was far less than the lowest plan I was paying for. My new payment was {$70.00}! How broken of program is it when I was making a combined {$350.00} payments a month for seven plus years and those don't count. Yet my {$70.00} payment does count? Right after I consolidated COVID hit and the payment pause took affect. Then the PSLF limited waiver came out and I immediately applied for it. With my seven plus years of payments and two years of payments freezes that still count towards payments I have to be real dang close to getting these loans forgiven. Excitement is in the air. I got a letter giving me a breakdown of my eligible payments and it only counted payments since I consolidated. My understanding is that payments before consolidation will count towards this limited waiver. I was told when you consolidate only the ELIGIBLE payments made before consolidation will count as part of the limited waiver. Seriously? I consolidated because I was told my prior payments didn't count because they were not eligible payments amd some my loans were not eligible. So I consolidated and got on the correct plan. So I was squared away and just had to make 10 more years of payments. This waiver comes along and because I did what was best for me at the time two years I am now screwed out of getting my loans forgiven later this year. If I had not consolidated two years ago my loans would be getting forgiven by XXXX. But because I was doing what I needed to do two years to get my loans forgiven down the road it made me ineligible for forgiveness now. Broken system. I just can't anymore. A person like me who tries to do everything right and I just keep getting screwed over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, " Department of Education : MOHELA '' cashed a check for {$36000.00}, which was the payoff amount for my student loan. They have yet to credit the amount to my account, and they are continuing to bill me with interest accruing. I have called and contacted them by email many times, and the only thing they can tell me is that resolution might take 30-60 days. ( It will be 60 days as of XXXX XXXX ). The person I talked to today said she could not see that anyone had been assigned to " the case. '' I have tried to upload to them a copy of the posted check, but they say they are not able to take that from me nor will they provide direct telephone contact information nor email addresses of anyone who can help me with this situation. 

I previously filed a XXXX  complaint only to learn that MOHELA will not speak to them because of privacy issues.

This needs to be resolved immediately so my credit will not suffer.

No one on the phone at MOHELA can really do anything to update me. My mother broke into tears on the phone with MOHELA yesterday, telling them, " We feel like we have been robbed. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EARLY WARNING SERVICES FAILED TO DISPUTE THE INFORMATION THAT WAS REQUIRED OF THEM TO DISPUTE ONCE NOTIFIED ABOUT THE ERROR EXISTING ON MY CONSUMER REPORT CONCERNING FINANCIAL INSTITUTIONS BANKING HISTORY. THEY STATED THAT THE CONSUMER REPORT COULD HAVE BEEN INVOLVED WITH IDENTITY THEFT BUT NOT THEIR COMPANY. EARLY WARNING SERVICES HAVE OBTAINED MY INFORMATION WITHOUT CONSENT FROM ME. EARLY WARNING SERVICES FAILED TO PROVIDE THE CONTRACT BETWEEN THEIR CORPORATION AND I. EARLY WARNING SERVICES FURNISH INFORMATION FROM BANKING INDUSTRIES UNDER MY INFORMATION WHICH I DID NOT HAVE ANY KNOWN KNOWLEDGE OF NOR HAVE I EVER CONTRACTED WITH EARLY WARNING SERVICES OR GAVE THEM PERMISSION TO USE MY INFORMATION. EARLY WARNING SERVICES IS A THIRD-PARTY SERVICING AGENT REPORTING FOR FINANCIAL INSTITUTIONS THAT I HAVE NEVER BEEN A PARTY OF NEVER HAVE I EVER DONE BUSINESS WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I contacted equifax credit reporting agency to remove XXXX XXXX  from my credit report. They sill have not removed it. I contacted XXXX XXXX and the stated they have informed the credit agency to delete it on three different occasions. However it still on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The information listed doesnt belong to me.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : INNOVATIVE RECOVERY AGENCY 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 1681c. ( a ) ( 5 ) Section States : 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 of crimes which antedates the report by more than seven years.

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

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.

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 2021-10-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I moved out of XXXX XXXX  in XXXX of 2019 they sent me a bill after the fact for {$110.00}. I immediately contacted them and requested an itemized invoice and proof of the debt since I had cleaned the apartment and I took pictures of everything. I never received anything from them to prove the validity of the debt. 
They then sent it to Genesis Debt Management who contacted me on multiple occasions and I forwarded them the email contacts I had with the originator and requested that they send me an itemized invoice. Again I never received anything. 
They did not respond and then about every six months it seems like someone new sends a letter from Genesis. 
I send them the same information and request each time for them to provide proof of the debt which I still have not received to date. 
Now they have put this on my credit report and I am at my wits end with it. 
I have filed a report with the better business bureau also and will be contacting a lawyer to see what my rights are should I need to file suite against them. 
Your help in getting this resolved immediately is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 explanation
Consumer complaint received 2022-04-08
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my loan in XX/XX/XXXX which moved my home loan from United Wholesale Mortgage ( UWM ) to XXXX XXXX The new lender paid the County tax for the year, under XXXX XXXX XXXX in the amount of {$1700.00}. XXXX XXXX confirms tax is paid in full for the property, and only one payment was received. 
However, UWM is claiming that they also paid the County tax, despite multiple confirmations from XXXX XXXX saying only 1 payment was received, and it came from XXXX. 
I initiated calls with UWM starting XX/XX/XXXX to resolve the issue and to receive payment from UWM, because as it stands, I have 'paid ' taxes twice in one year. 
UWM claims to have attempted several calls to XXXX XXXX and says they have left messages and even spoke with " XXXX. '' However, in my calls to discuss with XXXX XXXXXXXX tax dept, I learned that they don't have voicemail, nor an employee in the department named " XXXX. '' XXXX XXXXXXXX requested that UWM provide proof of payment ( check #, wiring info, etc. ) to support their claim of a payment sent and received by the County, but they have not provided this information. 
I have requested to speak to managers and asked for call backs, but they have not called me. UWM says the issue is under investigation with resolution date of XX/XX/XXXX, but I was also told several other dates of resolution that have since lapsed. 
UWM also shows they received a refund of this exact amount posted to their internal account/system on XX/XX/XXXX. This is likely the " bounced '' payment to the County, and I am getting the runaround from UWM saying somebody else has my money ( XXXX XXXXXXXX ), it's being investigated, or that they simply don't owe me anything. 

Summary of Calls : XXXX Reviewing details, call back on XX/XX/XXXX for update XX/XX/XXXX XXXX XXXX sending back a payment, takes 3-4 weeks to process XXXX Actually takes 3-4 weeks from now ( spoke to XXXX at XXXX XXXX XXXX  who doesn't exist ) XXXX Claimed that no refund for tax due, they were about to hang up. I asked why I haven't received my escrow, then they said it was coded incorrectly. Submitted an investigation, said it will be resolved within a week. 
XX/XX/XXXX Claims they are waiting to talk to XXXX XXXX XX/XX/XXXX ( called twice ) UWM says I'm not talking to the right XXXX XXXX tax dept, and a payment was definitely received. Called XXXX XXXX, they have no proof of payment from UWM or their affiliates ( XXXX ), regardless of which XXXX XXXX tax department it was sent to. 
XXXX Nothing they can do about the issue, other than wait until they complete investigation on XX/XX/XXXX XXXX Still no info from XXXX XXXX, they claim that XXXX XXXX isn't returning calls left on voicemail ( they don't have voicemail )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 I got charge for {$150.00} through Bank of America, from XXXX New York. I have no clue about that charge.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX 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 

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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief