BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company, Mid America Mortgage, has refused to comply with the basic requirements of the CARES Act which allows homeowners facing difficulties because of COVID-19 to get a 180 day forbearance from paying the monthly mortgage premium. It enjoins the mortgage servicing company not to charge any late fees or report the lateness to a credit bureau. It even gives room for a further 180 day extension or any other further assistance. 
When contacted Mid America Mortgage last week, I could not get a representative. When I finally got through this morning, I was advised by a representative, XXXX, that they can only commit to no late fees and credit reporting for the period, but that I must still make a payment during the period. Also, that the entire amount for the 180 days will be due at the end of the 180 days if no payment is made. In addition, she directed me to the website to download and send a Loss Mitigation form with supporting documents in order to secure approval for any forbearance.She used the term, " informal forbearance ''. found that strange and contrary to the CARES Act. It is illegal to have a mortgage servicing company violate an Act of Congress even in this trying period. The palliative offered by the Federal Government is being made impossible by this lender. 
We hereby file this formal complaint against them as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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 reporting misleading information. There is no filing this complaint for falsely 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 2023-02-11
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX less than {$500.00} are no longer to be reported on consumer accounts. A law was passed, kindly remove this account from this credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: VA
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: DE
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: ARVEST BANK GROUP, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was purchased by Arvest Bank from XXXX. They soon forced me to purchase flood insurance. Even though XXXX was not forcing me too. I have supplied them with a LETTER OF MAP REVISION DETERMINATION DOCUMENT. They have refused accept it. They have not supplied anything to me in writing. I can not get past the customer service Rep, who takes my paper work, then says they do not have direct contact with the " flood insurance '' department Attached the LETTER OF MAP REVISION DETERMINATION DOCUMENT Attached Mortgage State with loan info and showing the forced payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started pursuing a XXXX degree in XXXX at XXXX XXXX XXXX in XXXX Utah in XXXX and was told that I would be in debt of {$45000.00} upon graduating. They did all of my XXXX and Federal Government loans and I never really understood the amount that they were applying for. I graduated in XXXX with my XXXX degree, but had to get a forbearance. I had a forbearance up until XXXX. I am now finding out that I owe {$91000.00} for Federal Student Loans, and I believe that they have double charged me for classes and/or charged me for classes that I either didn't take, or were irrelevant to my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 

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

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello do XXXX XXXX THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX  working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!

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 2023-03-28
Company: EQUIFAX, INC.
State: TX
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 am writing to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. 
XXXX XXXX Balance Owed : {$14000.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello My name is XXXX XXXX and my company 's name is XXXX XXXX XXXX registered in California. My business email was hacked and as result i was defrauded $ XXXX.The scammers pretended to be my vendors duped the emails and made me transfer funds in to fraudulent accounts. 

Iam a CHASE BANK customer and the fraudulent transfer was also to CHASE bank. 

The CHASE BANK HAS REFUSED TO HELP ME BECAUSE ACCORDING TO THEM THE TRANSFER IS POSTED AND THEY CAN NOT REVERSE OR REIMBURSE ME THE AMOUNT. 

Its a very large amount and i can not afford to loose so much money as a single mother of XXXX  young children. 

I have already filed police report with the local police station and they suggested to file it with FTC as well. Looking forward for your response. Really appreciate your help. 






Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX Veteran that received a {$410000.00} VA mortgage loan from Dovenmuehle in XX/XX/XXXX. Actually I have make my payments and ought {$380000.00} On XX/XX/XXXX the XXXX XXXX County gave me a 100 % Real Property Tax exemption for my property and on an annual basis I submitted the exemptions document to the mortgage company. 

This year I submitted the document on XX/XX/XXXX ( There is a letter dated XX/XX/XXXX from the company stating that they received it on that date ( XXXX XXXX ) and here is included ). 

On XX/XX/XXXX they sent me a letter stating that they ran an escrow analysis on XX/XX/XXXX, raised my monthly payment and stating they paid the Real Property Taxes to the XXXX XXXX County. I spoke with a supervisor that mentioned they received the documents and paid the taxes by mistake. That Dovenmuehle going to request a reimbursement to the XXXX XXXX County. 

Today I received another email threaten me that they will hold the payment they received on XX/XX/XXXX until I submit a payment that included the Real Property Taxes they paid in error. They threaten me to charge me late fees and possible damage my credit at the credit bureau. 

The mortgage company received the exemption documents on time before they did the escrow analysis. They received the document ( Tax exemption ) by XX/XX/XXXX and the Escrow analysis on XX/XX/XXXX. Back on XX/XX/XXXX I Have a similar issue and they collected my payment and maintained them well belong the PWC Real Property Tax notice. 

This is an scam to get my money and them claim the XXXX  and have the money for a long time like they did on XXXX ( CFPB Claim XXXX ). 

I need that the mortgage company fix the escrow and stop charging me ( Disable Veteran with XXXX XXXX ) for an error that one of their employee did. 

I want they fix my monthly payment to the correct amount immediately and stop harassing me. 

Please find here attach all necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: CA
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:
Via XXXX, my bank account has been debited by {$50.00} per month for approximately 34 months. I was able to ascertain that XXXX has been charging for an organization called XXXX XXXX, which is a political organization focused on defeating XXXX XXXX of Kentucky. I have written to the email address provided by XXXX which is XXXX to contest the debits and have received no response from XXXX. 
There is no other contact information for XXXX XXXX, but their executive director is named XXXX XXXX. They are registered as a political fund with implications/supervision under the FEC. XXXX says they can only refund {$150.00} of the unauthorized charges but they are not providing further contact information from the organization they say the funds are being sent to. 

XXXX XXXX XXXX XXXX XXXX Washington, DC 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 2021-01-15
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Hello Team, I did an international SWIFT USD transfer of XXXX XXXX  ( incl. XXXX in fees ) through the TransferWise 's APP which in the end only received 1945 XXXX and paid nearly XXXX XXXX  in fees which they never notice me as a customer during the whole process that such large fees can possibly occur. I have contacted the company by email and LiveChat resulted in no help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a accordance with the fair credit reporting Act XXXX and XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states i have the right to privacy. 
15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.

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 2020-04-06
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank will not allow me to withdraw funds from my checking account. I have contacted them repeatedly. This started about 3 weeks ago. I wanted to close out my mortgage. I had to go back and forth between customer service and several branches. They finally managed to close out my mortgage. Now, I would like to withdraw funds. They have strung me along for two weeks, and now the manager XXXX, at the XXXX XXXX branch will not let me withdraw my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report.

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX  Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA , 604 Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, XXXX XXXX XXXX  XXXX Violation XXXX Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Huntington Bank closed both my checking accounts and my line of credit along with my credit card! Asked for Reason why and the lady was very rude and kept talking over me! Considering I have over XXXX XXXX XXXX dollars worth of vehicle loans with them! My phone was stolen and I exercised my federal right of reporting Fraudulent transactions. Shortly after this they begin closing all my accounts saying I was a high risk!

Company response to consumer: Closed with explanation