BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home through a local bank in XX/XX/XXXX at which time I was told to file for homestead exemption in XX/XX/XXXX. The mortgage was subsequently sold to Freedom Mortgage. I filed and subsequently received homestead exemption from the local taxing authority and was directed to inform my mortgage company ( Freedom Mortgage ) of the new estimated tax bill in order to have an escrow re-analysis performed to update ( and lower ) my monthly mortgage payment which includes insurance and taxes. I sent Freedom Mortgage the letter from the taxing authority informing them of the approval and new estimated taxes on XX/XX/XXXX. I was told at that time that the escrow re-analysis would take place within 30 days. I called Freedom Mortgage multiple times in the month of XX/XX/XXXX to receive updates on the escrow re-analysis process and was told it was in the works and that it would be resolved byXX/XX/XXXX and that my new payment would be reflected on my XX/XX/XXXX mortgage statement. I called on XX/XX/XXXX to get an update on the process after having reviewed my XX/XX/XXXX billing statement and noticing no change. I was promptly told that I would have to wait a full 12 months until XXXX for the escrow re-analysis to take place when the XXXX tax bills are generated meanwhile paying double into my escrow account at the non-homestead exemption tax rate. I expressed my displeasure to the representative at the disservice and the fact that I had followed all steps required by Freedom Mortgage in the XX/XX/XXXX phone call. By not re-analyzing my escrow amount, I am paying into escrow nearly double the amount of taxes I will be charged. This money could be used elsewhere or invested. Instead, it is tied up in escrow and will be refunded to me in XXXX due to an overage.

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 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was charge an erroneous {$500.00} with XXXX on my capital one card and was advised by XXXX to dispute the transaction because XXXX was unable to credit the amount back to my card. During the dispute process I reported XXXX to the FCC about what happened. A guy from XXXX called me about the fcc report and was able to credit my {$500.00} dollars back to my account. Capital one credited my card 2 times and took money back from XXXX leaving me with a {$500.00} balance with XXXX again. Since I got a credit from both sides i went ahead and paid off the new {$500.00} balance since I was not supposed to have gotten two credits, and thought all was well. I get a charge on my capital one on XX/XX/XXXX for a rebill for the original dispute back from XX/XX/XXXX sending back to the money to XXXX, AGAIN. This is the same {$500.00} I had already paid XXXX directly to XXXX back on XX/XX/XXXX. So i call and inquire whats its for and they advised me that it was the original XXXX charge. Not only are they charging me that, but also charging me another {$500.00} to cover a second credit that they mistakenly gave me. So now, instead of owing {$500.00} I owe {$1000.00}! ( I do owe {$500.00} back to capital one for the double credit but not the {$500.00} extra for the rebill back to XXXX. ) I spent 9 hours on XX/XX/XXXX trying to get this resolved with capital one and XXXX. Both companies are pointing fingers at each other and now I'm having to deal with another {$500.00} charge that I've already paid back directly to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04
Company: Debt Recovery Solutions, LLC
State: GA
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX well as follows 1. XXXX twice, 2.  XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Debt Recovery {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I filed a complaint with the CFPB regarding my mortgage holder PennyMac. I explained that they failed to timely pay my taxes and a late fee of {$410.00} was now added to my property tax bill for XXXX. I also requested that as punishment for failure to fulfill their fiduciary duty and contractual obligations that my escrow account be divested from my monthly mortgage payment and that I be allowed to pay my insurance and taxes myself. The taxes have since been paid, only in response to my compliant with CFPB, and my escrow account has been divested from my monthly mortgage payment. Because the taxes and insurance have been removed from the monthly payment, the new amount to pay each month was to be {$1500.00} starting XX/XX/XXXX. Because I have a standing {$450.00} additional principal payment each month, the new amount as of XX/XX/XXXX should be {$2000.00} ; HOWEVER, on XX/XX/XXXX PennyMac wrongfully withdrew {$2800.00} from my checking account ( which is my previous mortgage payment ). This action by PennyMac once again breaches their fiduciary duty, commits the civil tort of conversion, commits the criminal act of theft, and is a breach of contractual obligations in violation of the commitment letter sent to me by PennyMac dated XX/XX/XXXX which altered my mortgage contract with PennyMac. PennyMac has once again shown through their actions, and lack of action, that they are entirely incapable of financial management. I am demanding the following ( 1 ) immediate return of the {$750.00} PennyMac stole on XX/XX/XXXX via direct deposit into my checking account, ( 2 ) immediate suspension and removal of the PMI monthly payment from my mortgage account as financial punishment for their continued wrongful civil acts and criminal acts, and ( 3 ) immediate return of the outstanding monies in my previous escrow account via direct deposit today ( XX/XX/XXXX ) which I have yet to receive from PennyMac as previously promised. I have been dealing with XXXX XXXX at PennyMac who's phone number is XXXX, extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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 have tried twice now to get my credit report corrected. However, this credit bureau refuses to correct the report in accordance with the law and has refused to properly investigate the accounts listed in the attached affidavit documents. Additionally, this bureau has not responded to my request for specifically how they verified this account with the creditor that is alleging that I owe them. 
Lastly, Equifax has a split file and refuses to merge it back. As such, they are giving out inaccurate information about me that is defamatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} 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 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 2020-07-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The Date was XX/XX/2019 XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX was it was a {$400.00} dispute and the company was not suppose to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: U.S. BANCORP
State: CO
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:
1. I had several fraud transactions on my business checking account. As soon as I noniced them I called to bank ( XX/XX/2019 ) and opened the claim. Next day ( XX/XX/XXXX ) I came to US bank branch at XXXX XXXX XXXX, XXXX, CO XXXX where the banker helped me to fill the papers regarding my claim ( 5 unautorized transactions ). The bank returned my stolen money from 4 transactions. But denied the first one dated XX/XX/2019 of the amount of {$480000.00}. At first they said it was over 60 days between transaction date and the date I filed complain. What is lie, because it is actually 57 days. From XX/XX/XXXX till XX/XX/XXXX. Then When I showed the bank their mistake, they send me a letter saying that because I filled the papers incorrectly it was too late to make a refund of {$480000.00}. That is true. I had to come to branch again later and fill claim papers again. But on the first time I followed the instructions of US bank business assosiate and did everything as he told me. And that was his fault that my claim was filed incorrect. Bank did not notify me about any mistakes in my claim and I learned only during my next call them. XXXX XXXX XXXX, XXXX, CO XXXX. XXXX XXXX, branch Assistant manager - is the person who was helping me with my claim and failed the prossess. Also the papers were filled by me in barnch in person on XX/XX/XXXX, but claims department received them on XX/XX/XXXX. They we sent via fax by bank associate and it took several days to come over fax!. or no one did not really sent them that day. I dont know has it been made by purpose or by mistake. 

2. I filed the claim on Consumer financial protection bureau regarding this situation, trying to return my own money that I trusted to this bank. After this bank closed my checking account with all my money of aprox. {$27000.00} and my credit card. I did not have any issues with both of them and was a loyal customer

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 2018-07-03
Company: United Consumers 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: Investigation took more than 30 days

Complaint:
I made a dispute with XXXX XXXX regarding United Consumer, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time United Consumer has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledgeXXXX from XXXX XXXX Hospital to United Consumer showing I did not owe any money to this 3rd party creditor, ( United Consumer ). This  information is being inaccurately reported.

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 2018-03-07
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have Paid in full this debt and the company will not XXXX it out. I've spoken to 3 reps that continue to state that I owe on this account. I made my final payment on XX/XX/XXXX for the amount of XXXX. Other payments were XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$25.00} a Total of {$190.00} Paid. When I call the rep hung-up on me, the supervisors do as well. This is affecting my credit score and causing a huge problem. I want this account removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying get XXXX, Experian and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.

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 2017-08-01
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Acct # XXXX This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$750.00}. I have never called you and said I could n't pay as a matter of fact you all sent me a letter said you " will not response to anymore more of my credit clinic letters ''. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.

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 2021-03-02
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I monitor my credit and received an alert from XXXX It shows a company called global radius solutions has placed a collection against me for {$670.00} for a company I have never heard of or used called XXXX XXXX physicians. I have never used this company - nor had I ever heard of XXXX XXXX until this. I googled the business and looked at the building, again, Ive never been to this company. I called and spoke to a receptionist and she had no explanation for why as they did not have me in the system. I dont know what more to say other than I have never. Been. To. XXXX. XXXX. Is it possible someone stole my information and used?! Why would someone do that I have no answer or if that is even logical all I know is I am not paying this bill. I pay my debts and bills if they are mine. This is not and will not pay it and I want it off 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