BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter in the mail ( see attached ) saying my mortgage payments were going up but the letter didn't offer any clear reason why. The numbers they presented actually indicate that I would have overpaid, e.g. the " what we estimated to pay out '' amount is actually lower than " what we paid out. '' There are asterisks in Part 2 that don't match the description of what it should indicate - e.g. it says it indicates a discrepancy between an estimated amount and an actual amount but no such discrepancy exists. Additionally, there are numbers for county tax and property tax payments that don't match their estimates - either the estimate is XXXX or the payment is XXXX. This results in a statement printout that doesn't even attempt to explain why I'm expected to start paying more money. 

After a quick review of customer feedback online it's clear that Freedom Mortgage is very, very unpopular with its customers. I am truly worried that the company is trying to skim money from me, especially considering they designed, printed, and released a statement that doesn't offer proper justification and appears to be intentionally confusing. I tried to call their customer service number and after trying to navigate a phone system that is not user-friendly and provides endless menus with no ability to navigate, I tried pressing " XXXX '' and was told I would by on hold for 56 minutes to speak to a representative. The combination of a very poorly designed statement asking me to pay extra without proper justification, terrible user reviews, and a phone system that appears intentionally designed to frustrate and deter customers leads me to suspect that something is amiss at Freedom Mortgage and I'd like you to investigate. 

Mortgage loan buyers are unique in my experience that I have to interact with them despite having no freedom of choice or transparency in the process by which Freedom Mortgage acquired my loan. A review of customer experiences online indicates that a terrible customer experience is the norm and no reasonable person would choose to do business with Freedom Mortgage intentionally. But because they bought my loan and there was nothing I could do to stop that, I am forced into doing business with a deceptive company. I've had good experiences with CFPB in the past in getting student loan payments counted when XXXX was fraudulently trying to deter me from doing so. I thank you for that and would greatly appreciate the same thoroughness in dealing with Freedom Mortgage.

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 2023-01-31
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:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I sent letters and paid in full receipts to REGIONS BANK no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.

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 2018-07-16
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank I am filing a complaint about is XXXX XXXX. On XX/XX/2018 I initiated an ACH transfer out of my XXXX XXXX savings account to a previously linked external account that was verified by 2 ACH micro deposits. XXXX 's fraud department contacted me to verify the transfer which I did, but they said they don't " like making transfers out of the bank since they want to hold onto the deposits. '' The funds were available and within their published dollar amount limits so they made the transfer. However, they threatened not making another transfer in the future. 

Today, XX/XX/2018 I initiated another transfer out of my XXXX savings account to another VERIFIED external account but the transfer was rejected. This external account was VERIFIED by ACH test deposits and the transfer was within XXXX 's published dollar limits. 

XXXX is not allowing me to move funds out of my account with them. The funds are listed as available to me and again, the amount of the transfer was within XXXX 's published limits. 

I want XXXX XXXX to allow me to access my funds when I want based on THEIR published rules.

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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm writing this complaint because I recently found out that Chase has been deceptive and has unfairly charged me a {$30.00} a month checking fee for the past 19 years.The bank did this by placing me in a high minimum balance business account in order to deceive me and charge me a fixed monthly fee knowing I would never meet that minimum balance requirement.They intentionally engaged in unfair practices when they opened up the wrong checking account for me. 

I had opened a business account on XX/XX/2002 and was not told that I needed to maintain a {$30000.00} minimum balance at that time. I opened the account with a small balance of XXXX {$1000.00} to use for my freelance teaching work and never had any expectation that I would be anywhere near a balance higher than about {$5000.00} for that period. I assumed that when I was charged {$30.00} a month all these years it was the normal fee for someone with the fairly small balance that I had maintained. However, I recently found out I was placed in this high {$30000.00} minimum balance account and now I believe that the bank intentionally signed me up for an account that was not appropriate for me. As a result of this deception, Chase unfairly charged me thousands of dollars since the account opening.How many other people have they done this too? 

I recently requested to be switched to an account with a more appropriate and realistic minimum balance threshold. However, I would also like Chase to reimburse the entire amount of fees I was unfairly charged all these years. To date, I was only reimbursed 3 months ' worth in the amount of {$90.00}. 

Thank you in advance for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items should be removed immediately that came in alleged fraud. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company 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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I had a fraud issue on multiple occassions within a few days of each other. I contacted Transunion about the issue and we placed a freeze on account. That same day and next two I had two more things pop up as inquiries and still havent gone away. I contacted Transunion again and they told me to mail in my disputes, which I did. It has been over two weeks now and nothing from them. 

There are no charges as they were just hard inquiries, but the dates and names of companies are as followed : XX/XX/21 - XXXX XXXX XX/XX/21 - XXXXXXXX XXXX I called XXXX XXXX immediately and they told me they closed the application and would try to help to contact Transunion. 

XXXXXXXX XXXX  called me and closed the application immediately, and contacted the dealership they represented and got that closed as well. 

I stil have not heard from Transunion and these inquiries have hurt my credit score.

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 2021-02-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Pentagon Federal Credit Union. After I received no response, I called to check on the status of my mortgage application. A mortgage broker named XXXX XXXX spend one hour scolding, lecturing and belittling me because I have a large education loan. 

She refused to listen to me when I told her that the loan was in income based repayment ( IBR ) and that my loan was current with a XXXX payment due.

She told me I should get another job, and work more hours. When I told her already worked 12 hours most days, she said that I should be able to find more work.

XXXX  then stated that XXXX XXXX policy prohibited PFCU from offering me a loan. When I asked to speak to Underwriting or her Manager, she refused and said that I was did not deserve to speak to anyone else because I was " the most horrible person she had ever spoken with. '' I did not curse at XXXX, in any manner, and simply told her her was " snide. '' She then spent about 15 minutes, again lecturing, scolding and belittling me. I asked her if there was any hope of her helping me and she said no. I told her I was concerned because PFCU had already done a hard inquiry on credit. She said that was " too bad. '' After I hung up, I researched the XXXX XXXX policy that XXXX hammered and raged at me about and discovered she was wrong. Because I am in IBR, and my account is current, my educational loans are not considered in my Debt to Income ratio. 

I emailed XXXX XXXX again, and asked her politely to again look at my mortgage loan because she was incorrect. She did not respond. 

It is my certain belief that because I am a person of XXXX, XXXX XXXX discriminated against me, and refused to provide equal access to PFCE 's mortgage products.

I am a member of PFCU and have never made a late payment of any kind- to any creditor- in over 25 years. I previously paid off a car loan and a mortgage with PFCU. 

XXXX refused to look at my credit and payment history, collateral or income.

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 2021-04-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The said account had been settled and is now closed. This item should be verified and removed/deleted from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are many many accounts on my credit report with equifax, XXXX, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are many many accounts on my credit report with XXXX, XXXX, transunion that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.

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 2023-06-07
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: TN
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 mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in limbo between two mortgage companies. My current mortgage company, Freedom Mortgage, purchased my loan from XXXX XXXX  back in XX/XX/2020. The issue is there was an unpaid balance that wasn't included to fulfil the payoff in its totality. XXXX XXXX  is coming after me for the remaining balance, and Freedom Mortgage is coming after me for this months payment. I have called Freedom Mortgage countless times but have been given the run around, and even hung up on twice. I am able to make my monthly payments. However, I am NOT prepared to pay both my monthly payment and XXXX remaining balance that is remaining due to XXXX. Just today I called Freedom Mortgage, and was transferred, and had to explain this complete disaster over and over again to four different people, only to be told again " I'm sorry XXXX XXXX, but thank you for your service. I see that this is a VA loan. I don't know what to do because this has never happened. Please hold while I transfer you over to our closing department because I don't know what to do ... .click ''! The phone hangs up and I'm left with no answers. I have been told for over a month that someone would call me once this issue is resolved so I can make my XX/XX/XXXX payment. Mind you, it is now XX/XX/XXXX. Instead I received a mortgage statement from Freedom mortgage in the amount of {$2900.00}, to include {$58.00} late fee. I have NEVER missed any mortgage payment or even been late. This has been the worst experience I've ever encountered with any company. Currently I am seeking legal advice on how to move forward. I pray no one else has to experience this.

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 2022-02-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I new debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXX XXXX  XXXX. I have that hard to believe when I actually have documentation directly from XXXX showing this balance is PAID IN FULL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Investigation took more than 30 days

Complaint:
I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.

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 2017-09-15
Company: Regional Management Corporation
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, XXXX, she called my personal phone a total of 5 times back to back. The collector then called my place of business 3 times. I am listed as reference only not a cosigner, so my work information was never given to this or any other business. The car in question is not in my name so therefore I should have never received a call at my job. I then returned to work on XXXX XXXX, XXXX, to find out this information. I called her and told her to never call my job again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Professional Recovery Management
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to XXXX XXXX XXXX requesting that they validate, not verify, a debt that they are attempting to collect from me. I asked for s signed agreement/contract and other supporting documentation. They only provided me with a statement of billing, which does not prove that I am obligated to pay them. They have reported delinquent/negative information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I've noticed a wrong transaction to my checking account at Chase Bank. 
I called them right away asking them not to pay for it cause I did not recognize it. The customer service I spoke with told me that they will investigate the matter as soon as possible then reimburse to me my money. After three day they posted my {$730.00} back I taught everything was ok till we were under Hurricanes warning XXXX rushed to go put gas in to my family cars then realized my account was overdraft. I was trapped with my kids without foods for the whole hurricanes time until my younger brother XXXX borrow to me {$500.00}. When I went back to them they told me the merchant state that I was their customer and the paid them their money. They wired that money to someone in California from a XXXX XXXX branch to someone name XXXX XXXX account. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: M&T BANK CORPORATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank is adding so many charges to my account, and saying I am behind in escrow, which I confirmed today, XX/XX/2019, with my insurance company I am not behind. I have spoke with the bank about giving me an explanation of charges and they can't seem to. Nor will they do a new escrow analysis to show that I am not behind in escrow. They have done nothing to help or prove anything. XXXX XXXX sold out to them back in XX/XX/2019, and it was the worst decision they ever made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief