BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Over 20 complaints today Experian has work on and resolved nothing for going on 2 year AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Lies and ploys is all this greedy worthless predatory company does you CAN NOT VIEW ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Another lie from this predatory company STILL WORKING ON THE ISSUE WHICH REALLY MEANS THEY ARE NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Sometime in XX/XX/2023 I just received a debit card from M & T bank but did not open an account in any form whether in person or online. 

Thank you very much!

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Notified at XXXX of another computer generated lie from this disgusting scamming company, PLOYS AND LIES SHOULD BE THIS COMPANY 'S BUSINESS MODEL AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo has reportedly car note late. It was not late and now my score has dropped almost XXXX XXXX points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Here Experian slaps me in the face and laughing at me and CFPB with this notification saying congratulations your score has not dipped in months EXACTLY AND IT HAS NOT WENT UP EITHER BECAUSE THIS FRAUDULENT CROOKED COMPANY STOLE NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK JUST IMAGINE WHAT MY SCORE WOULD BEBIF THEY PUT BACK MY ON TIME NEVER LATE PAYMENT HISTORY

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 2024-02-01
Company: Lockhart, Morris & Montgomery Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company on XX/XX/2024 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received. Unfortunately, I have not received any correspondence by XXXX Mail. The company is in default and has failed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX, our auto insurance premium  was paid from our mortgage escrow assets by Freedom Mortgage. I obtained a refund of the duplicate automobile insurance payment made by Freedom Mortgage from the insurance carrier. I did not return the refund to the escrow account for reasons stated in the attached correspondence. 

The consequence is that Freedom Mortgage raised our XXXX monthly escrow contribution by 93 %. 
This punitive increase is due to the fact that Freedom Mortgage insists on using the total insurance payouts from last year in the escrow analysis. The factors being applied are inaccurate and occurred due to an error committed by Freedom Mortgage 's processing department. 

I spoke with an insurance department representative at Freedom Mortgage on XX/XX/XXXX. Her name was XXXX. XXXX was able to isolate and validate my contention that the escrow analysis was inaccurate and based on faulty input. XXXX requested a recalculation of the escrow analysis using accurate data. 
I also spoke with an escrow analyst named XXXX on XX/XX/XXXX. XXXX concurred with XXXX 's request to have the escrow analysis reviewed and updated with the proper inputs. XXXX guaranteed that the new analysis would be available by XX/XX/XXXX. 
The firm remains unresponsive to the validated concern described.

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Back in XXXX, i was a Wells Fargo Customer. I was struggling to make my mortgage payments. Wells Fargo gave me 2 options to relieve some of the stress. Lock in my Adjustable rate mortgage which they told me would be approved if i did it at a certain date before the mortgage started to adjust. I was denied. Then with the new payments increasing every so often it became harder to keep up with payments. After a couple of Modification attempts always denied. It became clear Wells Fargo wasn't going to help me at all only alternative was Foreclosure Proceedings, which took the life out of my family and myself. Finally after hiring an attorney to help us through this nightmare with Wells Fargo, we lost our home and everything to do with my finances and credit. Home Short Sold in 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 2024-01-02
Company: MOHELA
State: CA
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:
My loan servicer is MOHELA and I am enrolled in the income-based repayment ( XXXX ) plan. My annual recertification of income date on the MOHELA website shows XX/XX/XXXX. I received messages from MOHELA on XX/XX/XXXX informing me that my recertification was upcoming. On the Department of Education website XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) it specifically states that if your recertification deadline falls in the six month period after payments resume ( XX/XX/XXXX ) then your recertification date will be pushed out 1 year. I sent a message to MOHELA on XX/XX/XXXX requesting that they correct my recertification date to reflect this information from the Department of Education. They responded on XX/XX/XXXX with this message : " MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. We need additional information as it pertains to responding to your question. Please call toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX  Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA '' I called them on XX/XX/XXXX, and the customer service representative denied that this was accurate and incorrectly continued to state that my recertification anniversary is XX/XX/XXXX and that if I do not recertify by XX/XX/XXXX that my monthly payment would automatically increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-02
Company: MOHELA
State: TX
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 an email on XXXX XXXX XXXX from MOHELA informing me that : XXXX. I was not required to make payments from XXXX through XXXX as I was supposed to be on forbearance. Yet I still received bills during this time. 

XXXX. When I was billed, I was not billed with at least 21 days notice. 

This email came 3 months late and then on a holiday when no one can even be reached to discuss the matter. I had to call today and was on hold for XXXX hours to reach an agent. 

The recourse is the extra payments were applied to my ever growing loan balance or I could request a refund. The refund is expected to take at minimum XXXX business days but maybe even XXXX. 

This is absolutely unacceptable. They have XXXX  the payment and forbearance process, taken unnecessary payments instantly and then they want to take 3 months to send a refund?! 

This company needs to be fined and placed out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit report states I owe money for account that were paid and closed.

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 2024-02-07
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Freedom Mortgage has caused my hardship since the loan modification paperwork was mailed to me. They omitted 2 apparently important pages from which contained full payment details and the deadline for the modification. When I called to make my 1st modification payment I found that the payment was almost double what the contract I signed actually said it was. I was on the phone for over an hour with them that day about it. I was not receiving monthly statement until I called and requested them. When I did the first one to come had a payment {$300.00} less then what i was told to pay when I called. They put forced placed insurance on my home 3 months after they paid my standing policy. I sent freedom Mortgage all their own documents as proof and it still took them 30 days to correct. They said I had no insurance claim money. When i pushed back they " found '' it and now it is almost {$2000.00} short. Have have sent 4 certified return receipt QWR and requests for information. They only replied to the first letter. The second letter was replied to 3 months later after letter 3 was already sent. Letter 4 has still not been replied to. They are quick to take your money but take their time when you need them to respond to RESPA requests. 
I had sent a full complaint with all supporting documents in XX/XX/XXXX. I received confirmation that XXXX received my complaint XX/XX/XXXX. I called XX/XX/XXXX and found out that it was processed as an inquiry so i am adding the complaint here in smaller form.

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 2024-01-02
Company: MOHELA
State: OK
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:
I received an email from Mohela today XXXX  that states " Our records indicate that we sent your XXXX billing statement less than XXXX prior to your payment due date. Because of this your student loan account has been updated to ensure your successful return to student loan payments ... .Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XXXX XXXX XXXX XXXX XXXX XXXX.. You are not required to make a payment untiXXXX XXXX XXXX  and your account will not be considered delinquent. '' I didn't receive any notice and therefore paid during these months expecting that a balance was due. My XXXX payment is due XXXX XXXX meaning they repeated the same issue and I didn't get communication until 8 days before my XXXX payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX XXXX. I am submitting this complaint on behalf of myself without any third parties. On XX/XX/2024, I received an email from CREDIT MANAGEMENT, L.P., without prior consent, in regards to an alleged debt owed from a " XXXX XXXX XXXX XXXX XXXX' See exhibit A. On XX/XX/2024, I emailed the above-mentioned back requesting validation pursuant to 15 U.S. Code 1692g as well as a Cease and Desist pursuant to 15 U.S. Code 1692c. See exhibit B and exhibit C. Today, XX/XX/2024 at XXXX, I received a text message from CREDIT MANAGEMENT, L.P., without my prior consent, once again, and a Cease and Desist already in place on XX/XX/2024. See exhibit D. The above-mentioned are in direct violation 15 U.S. Code 1692c as they've continue to attempt to communicate despite issued Cease and Desist. See exhibit E. Anyone that fails to comply with provisions of 15 U.S. Code 1692 subchapter with respect, therefore, liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. See exhibit F.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: MOHELA
State: CA
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:
In XXXX, I signed up for auto-debit which allowed MOHELA to automatically withdraw money from my account every month when my payments were due. By doing so, they would decrease my monthly payment by {$30.00}. I received a confirmation email on XX/XX/26 stating that I will be enrolled in this program. 

However the last few payments that have been automatically deducted still did not reduce the payment by {$30.00}. I am still paying the full amount monthly AND being automatically withdrawn from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: MI
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:
We have received letters stating we have exceeded the minimum number of payments. Yet balance was not XXXX out and they have started taking our direct deposit payments again. It's MOHELA and they blame feds for transferring our loan around. No one can give us a straight answer except " it's being taken care of ''. When we call we get " it can take up to 90 days '' ... .it 's been over a year now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to violate my consumer rights by reporting inaccurate information on my credit file and trying to make that account seem like it's new when it's closed and old and have been reinsert on my credit file to make my credit look bad. I have proof down below to show how this company continues to do so. 
They also said that every time I dispute this account they said they verified it which I know they haven't verified nothing. There has been no consent that I gave or permission to do so which make this account be in violation.

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 2024-01-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX Bank of West changed to BMO Bank. Account numbers for my existing XXXX account changed. I was making {$500.00} principal payments through automatic payment method, from my BMO checking account ; dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, an extra payment on XX/XX/XXXX, XX/XX/XXXX and another extra payment on XX/XX/XXXX. According to my records the payment XX/XX/XXXX posted to my XXXX account, and after talking to BMO, Representative XXXX, she was able to refund {$500.00} on XX/XX/XXXX to my BMO checking account. After numerous calls to XXXX, I have gotten no resolve nor explanation of this matter. There is still {$2000.00} owed to me. I have been making interest payments regularly. I have corrected the account number change issue, and making other principal payments. Any help resolving this matter would be greatly appreciated

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