BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has recently purchased my mortgage from XXXX and took over servicing this my mortgage account in XXXX. 

I wasn't given any notice that this would be happening, just a letter that it had. In that letter, I noticed that after the transfer ; the escrow amount per month had gone up {$51.00} or more than 7 %. 

My insurance and property taxes have gone down, so I was surprised that my escrow was increasing. I called and was told this was due to a " Shortage '' in the escrow analysis done by XXXX in XXXX. 

I believe that it is apparent that in this analysis, the " shortage '' is caused by requiring me ( the borrower ) to deposit funds, needed for disbursement and maintenance of a cushion, in the escrow account some period before the disbursement date. 

This has been accomplished in the escrow analysis by pushing together the two property tax disbursements so they are 5 months apart, and both are disbursed long before Illinois, XXXX county property taxes are due. 

In the analysis from last year, the final property tax disbursement wasn't planned until XXXX but didn't happen until XXXX. 

If these disbursments came at the proper time, or were properly spaced, there would be no shortage. 

I have made Freedom Mortgage aware of this, and asked for a way to contest this, and have basically been told the following : Freedom Mortgage says they have not done any analysis the analysis is from XXXX. They can not change, alter or grant a stay until they conduct their own analysis, which they say they plan to do in the first 60 days. 

With rising interest rates and inflation hitting everyone, blaming the previous company 's terrible analysis in order to justify what looks a lot like the use of pre-accrual in order to justify an escrow shortage is unacceptable ; and although I may get paid the " shortage '' difference in a year, there is no interest.

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 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i dipute unknown transactions from atm machine that i never made i filed a claim its been more than 60 days i believe

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 2023-09-08
Company: EQUIFAX, INC.
State: LA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-06-01
Company: CAPITAL ONE FINANCIAL 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: Information belongs to someone else

Complaint:
Some one started a new line of Credit on XX/XX/2022 with Capital one, I have not opened a new line of credit in over a year and it was not me. I want to alert and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Cottonwood Financial Ltd.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received numerous calls everyday about a debt for a loan that I did not take out. 

I have made repeated attempts including XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and never have received written notification or clarification of the debt as I do not believe I have taken this loan out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I talk with mrs..XXXX  XXXX concerning the loan whin I was in storm of XXXX of the year of 2017 whin chase bank said that you or trying to repair your home they will help you but I was trick I was only two months behind bacis on what chase bank said but come to find out it was way to put you in modification whin you really don't need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
CLAIM NUMBER XXXX TO : CREDIT CARD XXXX DEPARTMENT Bank of America XXXX XXXX XXXX XXXX, Arizona XXXX CLAIM NUMBER XXXX Gentlemen, attached is the information I have on the fraud on my account to support the {$2000.00} plus fees are not mine. 


First, please note this activity has not been seen in my account history back to XXXX. Bank of America has historically notified me of " Unusual Activity '' on my account, but did not do that in this fraud instance of XX/XX/XXXX. Why is that? I have NEVER done this type of transfer, EVER! 


Attached are print screens I was able to capture while the fraud was in progress. I also had Bank of America on the other phone ( XXXX ) XXXX as the fraud was being committed on my, then, primaryphone ( XXXX ) XXXX. 


It is cruel that you have sent me a letter to not approve this claim ; which Bank of America created on my behalf. I have requested further review with this supporting detail. 


The two credit card accounts they used are : XXXX XXXX XXXX XXXX and the original XXXX XXXX XXXX XXXX ; scammers somehow linked these to my checking ending in XXXX ( currently blocked ) to get {$2000.00} shown on statement XX/XX/XXXX- XX/XX/XXXX. 


I will try to send you my print screens under XXXX more separate e-mails ( couldn't consolidate into this one : o ( Please contact me if I can provide anyfurthersupporting information. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan 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 2021-09-01
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: Account information incorrect

Complaint:
I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, XXXX  and Equifax have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
We purchased a home on XX/XX/2023 and our first mortgage payment was due XX/XX/2023, which we paid. We were notified that our mortgage loan had been sold and all funds paid on XX/XX/2023 will be forwarded over to the new servicing company. We later received a late notice from the new servicing company, XXXX XXXX, due to no payment. I reached out to premiere Mortgage, where the XX/XX/2023 payment was submitted and was advised the funds were transferred. I called XXXX XXXX on XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023 all resulted in being told the payment had not been received. I then contact XXXX  again both XX/XX/2023 and XX/XX/2023 and was advised the payment was received, yet with their Cashiering Department and to call back within XXXX days for an update. I called XXXX yet again on XX/XX/2023 and was told the payment was received, yet still not processed. The rep volunteered to send an email to the cashiering Department to clarify status of the funds being processed and was to contact me back. I did not hear back from XXXX and today I called and was advised the payment was never received. 
The reviews for this company have been HORRIBLE and we are afraid we will be falsely reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went the Chase Bank branch located in XXXX XXXX XXXX in XXXX FL and opened an account with the banker. Very nice guy. Helped me do everything about it, I was very well informed. He gave me a few options based on my profile. We did everything and when I got home, literally XXXX minutes later, I called customer service because my online access was suspended. The person told me that my recently opened account was closed based on an investigation. Investigation? How? I never used the account. It was opened for like XXXX minutes. I need an explanation why they decided to close it after they opened. If they don't want me as a customer, why did they open it. So rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I started my account with Wells Fargo around XXXX XXXX and I noticed that sometimes I would have money come out of my account paying mortgages bills etc. and I will usually just expect it to be fraud and I would go and get my card exchange for a Nother but over time it became a real headache and the same things would continue to happen and I also ended up getting overdraft fees on my account at random and it would start to pay it on its own all to the point where I lost my account in XXXX or XXXX of this year due to overdraft fees

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
THIS ACCOUNT IS REPORTING FALSE INFORMATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS ACCOUNT IS SHOWING FALSE DATES ON THE 1. DATE OPENED 2 LAST REPORTED 3. LAST ACTIVE DATE ALL HAVE DIFFERENT DATES COMPARED TO OTHER BUREAUS. THIS IS FRAUD AND HAS TO BE REMOVED. IT HAS A 0 BALANCE, THIS COLLECTION HAS ALREADY BEEN REMOVED BUT IS STILL SHOWING UP AS DEROGATORY ON MY REPORT. I JUST WANT IT REMOVED FROM MY REPORT COMPLETELY. 

Account # : 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 2021-10-05
Company: EQUIFAX, INC.
State: GA
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a {$34.00} dispute on my credit card. Six weeks later I was told the bank ruled in my favor and i would be getting a {$34.00} credit back to my credit card account. I never received the credit. Now the bank is telling me I have to open the same dispute again and wait another six weeks for them to investigate it again. -

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 2023-12-20
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : Credit Acceptance XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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. 

Credit acceptance is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed

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 2023-01-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had called the company regarding my citi bank Best Buy credit card. I am in a debt settlement program, I was paying my Best Buy credit card when they closed my account. When they closed my account, is around the time I really struggling with payments. When I talked to Best Buy citi bank they were willing to help me but the man that was suppose to help me regarding a hardship program, did not! I felt like I was being treated like a child. He was suppose to help me with a payment plan and when asked about what I used the card for? I explained to him emergencies like bills, gas, groceries and etc but he kept saying " that's not what I'm seeing here '' and I didn't understand what he was talking about because that is what I used it for but the way he was talking to me, I felt like he was hinting that I just used the card for a shopping spree. Which really upset me because I don't owe anyone an explanation but I do use my things I can't pay in a bind. I'm a paycheck to paycheck house hold. I didn't like how I was treated and was very upset. I had emailed the company 2 times. Since XX/XX/2022 and haven't heard a response.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-12
Company: EQUIFAX, INC.
State: NJ
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX XXXX. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i was approved for the haf program. penny mac received money on my behalf from them. i was awarded 2 months of payments. when i called them because its should i owed a payment for this month even though it had been paid from haf. so i spoke to someone in that department they informed me that 1 payment was made and the remainder money, the exact amount of my next payment was going to be takin from my principal balance and not a payment!! this makes no sense as i was awarded 2 months of payments. so i currently will be behind if that isnt applied. this is not how this program was supposed to work! applying it to principal does not help homeowners!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX. and XXXXXXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B states 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 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