BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My issue is with Roundpoint mortgage Co. I recently received an escrow analysis which indicated that we had a escrow shortage. the shortage amount was {$2800.00}. the paperwork provided provided us with options to either pay the total shortage amount or not pay and have my mortgage increase from {$2000.00} to {$2400.00}. I reviewed the FAQ 's to determine what the best financial decision we can make since the shortage amount was large. I as told that the FAQ is subject to interpretation. Unacceptable. Are their answers are not clear. the account information provided indicated only the XXXX options with a breakdown of what the payment was and what the payment would be if we did not pay the shortage. 
We decided to pay the shortage in full with the understanding based on the paperwork that payment would not change. 
I called to ensure that my payment was received and I received communication that my mortgage payment increased to {$2200.00}. NO WHERE on any of the documentation did it specify the breakdown of this mortgage payment. I called in early XXXX and spoke to XXXX and her supervisor XXXX and they tried to explain the increase in mortgage payment but could not show me where it is broken down for us on the documentation. 
I informed them that their company practices was deceptive in providing us with inaccurate payment information and that they prevented us in discussing what the better option financially would be for us. Why would we have used our savings to make a large payment if the mortgage payment would increase by {$200.00}. Makes no sense. I have been a homeowner for over XXXX  years and had other mortgager lenders and escrow shortages. Other mortgage lenders paperwork is quite clear. Any assistance would be appreciated. 
Thank you 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 2020-06-11
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX The Home Depot Consumer Credit Card Payments Home Depot Credit Services XXXX. XXXX  XXXX XXXX, KY XXXX The Home Depot Consumer Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : Account XXXX XXXX XXXX XXXX ACCOUNT REVIEW REQUEST AND INTEREST REDUCTION REQUEST, REQUEST FOR RECORDS In XXXX of XXXX I purchased an air conditioner for my new townhome for the benefit of my XXXX son. 

I understood that I was on a 24-month, 0 interest plan. I was not informed that interest would accumulate if I had not completely paid off this appliance within the 24-month period. 

I was shocked at the end of the 24-month period XXXX XXXX. XXXX? ) to discover that NONE of my payments were applied to the principal balance and that an additional {$5000.00} was added to my account balance, which took my card dramatically over the credit limit. 

I have applied for forbearance, but my intent is to understand why this information was not disclosed to me. I have called multiple XXXX numbers for XXXX XXXX and gone on-line. There is no historical information available BEYOND SIX MONTHS. 

The account overbalance has now had a negative impact on my credit score. 
I am respectfully requesting : A complete account review including payments and statements dated back to the origin of this account. 
Statements/paperwork and documentation and an explanation about the terms and interest rates charged by Home Depot A wavier of the {$5000.00} of interest ADDED TO MY ACCOUNT WITHOUT NOTICE in XXXX of XXXX A reduction of the interest rate charged on the ACTUAL balance of this account I ask that someone from the credit department contact me ASAP as my Forbearance Period ends on XX/XX/XXXX. 

Thank you for your prompt attention to this issue. 


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 2022-05-16
Company: Experian Information Solutions 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 XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-03-16
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is just a complaint about a scam constantly calling and texting to tell me they have approved a loan that I never requested and they want all of my information so I can sign the paperwork. I'm not falling for their scam but, someone else might and that's why I'm reporting them. 

I tell them I never requested a loan and to stop calling/texting and they won't unless I give them my information. 

The name of the company is Explore Credit and the phone number is XXXX and they have been calling for at least 5 times a day for over 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 have been going through financial hardship for sometime since the pandemic. I have been struggling to the point where today, XX/XX/XXXX I called my credit card company, Bank of America to ask for forbearance on my credit card payments. I asked if they would suspend my payments for approximately six months or less. I have decided to place my apartment on the market for sale. Actually its been already on the market for a few months, but because interest rates are so high, sales have been slow. I am also offering my apartment for rent. My apartment has substantial equity in it and I would have no trouble paying them back which I explained to them. Unfortunately they flat out rejected my requests. 
I am XXXX XXXX years of age and they are obviously discriminating against me because of my age in violation of part B of the ECOA Law. On their website that I have been using for sometime, there is a section on payment assistance which I will attach, It says WE ARE HERE TO HELP IF YOU NEED PAYMENT ASSISTANCE.Notice on this document there is no option to send a message, only to call, which means Bank of America wants nothing in writing. Bank of America is not here to help especially is one is a XXXX XXXX year old woman. I unequivocally state that I have had a relationship with Bank of America since I first took out a HELOC loan from them on or about in XXXX. Then I opened some credit card accounts at their urging. I have never been late on my payments to them. Bank of America claims I had one thirty day late in XXXX which I disputed. The fact is in my entire life other than this incorrect thirty day late I never had a blemish on my entire credit reports ever. For them to deny me a short forbearance period is discriminatory and disgusting especially for a valued customer that they insist I am.

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 2019-06-25
Company: PHH Mortgage Services Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer changed from XXXX XXXX to PHH Mortgage Services Received a letter stating my property was going into foreclosure. I've made my mortgage payments on time and since the servicing changed to PHH the customer service is bad and I've had difficulty with the posting my mortgage payments to the mortgage account. I called PHH mortgage to make a mortgage payment and was told the system was down and to wait until the loan was in their system of which I called several times and they finally took my payment over the phone. I have not been late paying my mortgage. When I call PHH I speak with Customer Service to check the status of my mortgage they would tell me the computer is down or they don't have information on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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'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 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 2022-05-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Received a HELOC in XXXX with XXXX XXXX. They were closed and the loan was transferred to XXXX XXXX. They transferred the loan to Ocwen, which later became PHH Mortgage. In XXXX we fell behind in payments and could no longer make the payments. I tried to negotiate with them but they declined to help in any way. In XXXX of XXXX I received a 1099C Cancellation of Debt dated XX/XX/XXXX ( Attached ) Until late XXXX ( almost 7 years later ) I did not receive anymore communication from anyone until I started receiving letters of transfer to other lenders, first it was Ocwen to PHH Mortgage, then PHH to XXXX XXXX XXXX, the XXXX XXXX to XXXX XXXX XXXX. I contacted PHH to question them on how a debt that they cancelled was now being transferred ; I have yet to get an answer to that question. I have been emailing and phoning them for months. They also emailed me a Release of Mortgage that was generated a few days ( XX/XX/XXXX ) after the 1099C was issued but was missing information. ( Attached ) We sold our home in XXXX of this year and were made aware of the court record showing this debt. Our credit reports never showed this as an open mortgage. The debt was paid in full in XXXX with our equity in our home of 25 years. I want to know if this was legal, how can a lender cancel a debt and 7 YEARS later transfer that debt to another lender after they took credit for the cancellation? Generate a Satisfaction of Mortgage, send it to me and then years later say it was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is about Cash App company, On Tuesday XX/XX/XXXX, someone hacked into my account and fraudulently stole {$180.00} from my Cash App. Immediately, same day, I notified Cash App Support and they told me they were looking into it. They requested I sent them some information which I did A day after, they came back to me asking for same information. I did send those again. 

2 days later they came back asking for same information I'd already sent to them twice. And they claim they were not able to locate my account. 

When I went online to find a way to resolve this issue, I came across a website called XXXX - and the reviews left by other consumers regarding their experiences with Cash App were totally upsetting ( XXXX XXXX XXXX ). I came into conclusion that this company does not have the interest of consumers at XXXX, and they appear to deliberately support fraudsters using their platform. 

Please can you help? I need them to return the money stole from my account. 

I will be so glad if you can help or point me in the right direction. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Equifax Credit Reporting Agency!!! still report inaccurate/incomplete negtive information on credit report!! 
Wilfully continues to reporting inaccurate personal identifiers Also have no account numbers on any of the account listed, How would I determine what business or account referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This is not a duplicate complaint but a complaint / request that has never been fulfilled. For 5 years I have requested the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX. Instead, I get correspondence like the attached. I need the permissible permission for my claim against the person who stole my identity. PLEASE READ MY REQUEST CAREFULLY AND DO NOT IMMEDIATELY PUT THIS UNDER FRAUD AND GO IN ANOTHER DIRECTION. MY REQUEST IS SIMPLE - I am requesting copy of the permissible permission used to access my credit report in XX/XX/2017. I need the signed copy / application. I do not need the contract or amount due. QUIT BEING CHILDREN BY PLAYING WORD AND PAPER GAMES!

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to violate my consumer rights. I sent TransUnion a letter on XX/XX/2022 to correct errors to my name and address and requested not a reinvestigation but a method of verification for the disputed accounts still listed on my consumer file. I submitted a copy of my driver 's license with my name and address. TransUnion continues to be willfully noncompliant in furnishing inaccurate information. The letter TransUnion sent XX/XX/2022 has incorrect listings of my name and an incorrect address. TransUnion has also violated 15 USC 1681i ( 6 ) ( B ) iii, as I requested 1 ) The name of the original creditor, 2 ) The creditors address and telephone number, 3 ) The person 's name they verified with, 4 ) The documentation used to verify the dispute. I was not sent any documentation that was used to verify any of the information furnished.

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 2019-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from XXXX XXXX/XXXX, On XX/XX/2018 come XXXX XXXX/XXXX, on XX/XX/2018 from XXXX XXXX/XXXX, on XX/XX/XXXX, XXXX/ from bank of America and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to file a formal complaint against the credit bureaus Experian, XXXX and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.

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 2020-05-08
Company: Specialized Loan Servicing Holdings LLC
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: Problem with personal statement of dispute

Complaint:
SLS was sold to XXXX XXXX XXXX should only have 1 account reported and XXXX XXXX XXXX has been satisfied

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 2023-11-21
Company: Nelnet, Inc.
State: WA
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:
Enrolled in auto payment and somehow still have a payment that is past due. Should be totally impossible to have past due payments if enrolled in auto payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEMENT is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. MIDLAND CREDIT MANAGEMENT has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$8200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX  and Transunion are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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