BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Over half a year ago I finally was able to end the PMI I had on my mortgage, currently the home insurance and the taxes are the only items still being paid through the escrow account. Unfortunately the bank is only rewarding me with 0.5 % of interest on the balance which is only a tenth of a what I can get in the short term money market currently. Obviously I want to put my money to work for me, not for US Bank. Unfortunately US Bank is categorically refusing to cease the escrow requirement, when asked why, they refer to a signed 5 year agreement. They fail to produce a copy of said agreement when I requested it, I do not have it in my possession nor do I recall signing anything like this. The request has been made several times by phone, chat and certified mail. It seems to me that US bank is deliberately taking no action to benefit from this interest gap.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-06-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CHASE BANK REFUSING LIGIT ACH authorized payments causing impacting financial hardship. Vendors being told at clearing house customer does not authorized the transaction. Totally false. Chase at every level unanle to respond with a reason they just keep rejecting. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: FL
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 2020-12-27
Company: Navient Solutions, LLC.
State: VA
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 received notification on XX/XX/XXXX my loan balance went up. My loan total was {$77000.00} the start of the pandemic and was deferred by the goverment. However, my balance is now {$79000.00}. Then after reviewing documents sent to me there was one that said I was getting interest because I didn't make payments at the end of 2019. That is totally incorrect, the payments came out of my bank account for XX/XX/2019, XXXX, XXXX and XXXX. How is my loans going up when they are in deferrement by the goverment? I would like detailed account information sent to me via email and mail with the interest rate on what loans. I'm showing that {$10000.00} was added in interest in one month. I also need to know who federally that I need to reach out to regarding my complaint about my student loans to do a review on them as the balance should not be that high. My balance out of school was {$57000.00}. So, interest on my loans is {$22000.00} in 4 years? I would like information on interest on my account and a full accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home was scheduled to be sold in a foreclosure sale on XX/XX/2020. I received a call from XXXX, who works in the Loss Litigation department of Lakeview XXXX  on XX/XX/2020 at XXXX and she informed me that Lakeview XXXX  was going to modify my loan to prevent our foreclosure. This loan modification would lower our mortgage payment and the past due amount of approximately {$25000.00} would be added to the end of the loan. XXXX requested me to complete a loan application and send her my bank statement, check stubs, award letters, child support verification, etc by Monday, XX/XX/2020. Attached is the email XXXX sent me on XXXX XXXX. On Monday, XX/XX/2020, I emailed the completed loan application along with the documents requested. See attachment. On XX/XX/2020, I contacted XXXX to verify if she received my loan application and documents, and she stated that she would put those documents into her supervisor, XXXX XXXX ( Loss Litigation Loan Processor ) inbox. XXXX told me that she was going to expedite the loan modification process since we were only a few days away from the foreclosure sale. She also instructed me to call back on Friday, XX/XX/2020 and verify that XXXX had everything they needed from me. When I called back on Friday, XX/XX/2020 XXXX told me she never received my documents. I reminded XXXX that we had a call on Monday XX/XX/2020 where she stated she received my documents. I was on the phone with XXXX for 2 hours trying to get this straightened out. XXXX found the documents and said that everything was good to go. 
At the end of the call, XXXX told me that she had good news. She stated that " I am taking your house out of auction so that it can't be sold ''. On XX/XX/2020 XXXX called and stated that she was missing a few more documents and that her supervisor XXXX XXXX would send me an email regarding the missing items. Attached is the email from XXXX. I asked XXXX if I needed to send these documents right now or could I send them when I got off work. XXXX stated that I could send them when I got off. On XX/XX/2020, I emailed XXXX the documents she requested. See attached email. I called the Loss Litigation department four times on XX/XX/2020 trying to verify if the documents were received. I was unable to talk with XXXX, but the customer service representative assured me that if I sent the documents to the email address provided, that everything would be ok. On XX/XX/2020 at XXXX, XXXX called and said " This is the worst call I've ever had to make. Your house was sold. I'm sorry. The house is sold. A third party bought the house and it was a cash offer. You need to contact the attorney ''

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 2023-11-22
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I discovered I had been the victim of identity fraud. That someone had used my personal information to open several fraudulent accounts. They had stole my mail, opened bank accounts and attempted to file a fraudulent bankruptcy petition. I obtained a copy of my credit reports and discovered a fraudulent account had been opened with Covington Credit-XXXX. I contacted them by phone and letter to let them know the account was the result of identity fraud. I also requested a copy of the fraudulent application and they refused to provide a copy of the fraudulent application. Covington Credit said the information on the application matched my information so the account belonged to me and I had to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX Account # XXXX I paid this account off in XX/XX/2011.

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 2023-11-07
Company: FC HoldCo LLC
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry reports Flagship credit acceptance- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for flagship credit acceptance from XXXX XXXX XXXX. Which knocked my credit score down. 

XXXX I have know idea who this company is or why its on 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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( account was charged fraudulently identity theft ) please delete.

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 2023-04-05
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address 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 explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I purchased windows from Home Depot under a 24-month interest free promotion, with payments representing 1 % of the principal balance for 24 months. For the next XXXX months, I made those 1 % payments from my checking account using an autopay feature, to Home Depot Credit Services, through Citibank US NA. Home Depot erroneously set the promotion to XXXX  months instead oXXXX XXXX causing my monthly payment in XX/XX/XXXX to skyrocket from the 1 % of the principal balance ( about {$140.00} ) to {$620.00}. The principal balance was also increased to reflect the interest that had accrued over the past 12 months. 

Of course, I contacted Home Depot Credit Services immediately about this, and throughout the course of many follow up phone conversations, Home Depot acknowledged the error, and assured me that they would correct the problem, adjusting the {$620.00} charge down to the 1 % and correcting any adverse credit reporting. Around the late XXXX timeframe, Home Depot indicated that they would need to turn to their " Utilities Team '' to correct the account information, which could take several days.

As recently as about two weeks ago, I contacted Home Depot again because in spite of the assurance I received in XXXX, the XXXX statement still showed that I owed {$790.00}. I again contacted Home Depot immediately, and the representative with whom I spoke indicated that the Utilities Team had corrected the problem, that I was back on 1 % monthly payments, and the erroneous {$790.00} had been eliminated. That was exactly the outcome that I had hoped for. Before I ended the call, I resumed auto payments, starting with the minimum payment due of {$35.00}. It struck me as a low number, but I assumed that it had been reduced because of some adjustment, which of course I did not object to. 

Early this morning I happened to check my checking account balance, and was shocked to discover that Home Depot had deposited a paper check issued by Citibank for {$790.00}. It was dated XX/XX/XXXX. On the signature line it states, " Authorized by your depositor XX/XX/XXXX. '' This, of course, was not true. On or about that date, I had authorized ONLY the minimum payment of {$35.00} ( which was taken from my checking account ), and then the monthly auto-payments of 1 % of the principal balance thereafter. 

Please help me address this issue, since I was unable to do so effectively. My credit score has also now been negatively impacted because of Home Depot 's mistake in charging me {$620.00} in XX/XX/XXXX, which my refusal ( and quite frankly, inability ) to pay resulted in a late payment report to the credit bureaus. 

Thank you very much for your attention to this matter. 

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 monetary relief
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Transunion still have not updated by credit card history it is showing that I don't have credit card history, as a result my credit score is low ... ... this is the third time I have reach out to this Credit Bureau and they still have NOT correct the issue. 

Sidenote : ( 1 ) my scores with the other 2 credit bureaus are excellent ( 740-750 range ) ( 2 ) Transunion score is 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 2023-11-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Tried to work with a point of contact XXXX XXXX. They would not call back to clarify the documents I was sending that they kept emailing they were wrong. I kept calling and emailing for clarification, kept getting the same answer. Spoke with another rep that was available and they confirmed my documents and clarified one that was misunderstood. I received an email from the point of contact that told me I was not to speak to anyone other than her. She then sent an electronic communication that i was denied because i had not submitted the documents timely.. I called and spoke to a " supervisor '' that promised a call back within 2 days, would not provide their name or number for me to contact if needed. Did not receive a call back and a few days received letter indicating we were denied for to our income ( I don't think that was true ). 

Began XXXX XXXXXXXX filing, then decided to try to contact shellpoint mortgage again in XX/XX/XXXX. Eventually found a new point of contact had been added to the online portal. Called and left message for them. We spoke and they had not received the final dismissal of the bankruptcy from the court, but as soon as they did they would call back. I did not hear back. 
About XXXX weeks ago, received a call from their collection team. I explained that I had a long of contact and they looked up and found that I had one and that things were " on hold '' for mortgage assistance review. They took our income and expense info over the phone and said they I did not need to call the point of contact they would be calling me. I was giving it until XX/XX/XXXX. I received a collection call today that said there is now a foreclosure date in XX/XX/XXXX. I explained the last instructions I'd been given by them over the phone, that I hadn't heard from the point of contact. They said that the same point of contact was on there and I should hear from them on XXXX between XXXX EST I'm submitting this complaint, as I have experienced lack of communication to my requests, promises to be contacted with no follow up and miscommunication regarding loan status, documentation needs and was treated badly by the last point of contact when I was trying to provide them with the info accurately and timely.

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