BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 my husband was assess to have a XXXX XXXX XXXX XXXX  XXXX. We live in XXXX County IL where we are now 100 % tax exempt. We faxed to Freedom Mortgage all of the documentation showing the home was 100 % tax exempt and that the tax they had already collected was more than ample for anything that might be outstanding. We asked that the escrow be cancelled since we have our own insurance and there is no tax due. 
Freedom Mortgage recognized the exemption but asked for added information in XX/XX/2018 I then supplied added letters from the XXXX county assessors office and they updated their website to reflect the XXXX amount due as requested from Freedom Mortgage. They continued to try and collect the totally escrow amount due included the non existent tax. I had the township assessor in XX/XX/XXXX write a 10 page document to the Mortgage company stating that there is no tax and I was told by Tax department that this letter was more than was needed to remove the tax. They took 30 days to do a escrow review they decided to remove most of the tax butt forgot to retro activate it to XX/XX/XXXX. So through XX/XX/XXXX and XX/XX/XXXX we are working on getting tis issue fixed. During this time that have been reporting on my husbands credit report a collection for amounts that are incorrect. During our XX/XX/XXXX call I found out we were being double covered by insurance since we have our own. On the XX/XX/XXXX I spoke to XXXX in the insurance division where this company has been collecting money with the premise that they had insurance. I called XXXX XXXX and requested information on the insurance policy. I found out that no such policy exists and that Freedom mortgage has been collecting these funds since XX/XX/1016 on a insurance policy that did not exist. That XXXX in the insurance department confirmed had been cancelled at least a year or more ago but the proceeded to collect funds ( Insurance Fraud ). So as of today they added the tax back on the payment ( which doesn't exist ) and the insurance premium for insurance that doesn't exist.

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 2018-04-17
Company: EQUIFAX, INC.
State: AL
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:
XXXX  HAVE SPOKEN WITH MY SISTER AND HAS CONFIRMED THAT THE ACCOUNT WAS NOT IN FACT OPENED BY MYSELF. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/19, I discovered my XXXX 's account had been closed due to non-use. When I requested it to be reopened, I was told I had to apply for a new card. Every time an account is closed or a new one is opened, it affects one 's credit rating. Why are credit card companies allowed to close an account due to non-use? The XXXX 's card is issued by XXXX XXXX, which issued me a XXXX XXXX credit card. Why can't they check that account to determine my payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!

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 2018-03-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was promised a credit for the XX/XX/2018 interest by multiple Walmart/XXXX XXXX reps over the last 3-4 weeks. Then when I check the site, nothing happens. I contact Synchrony and they give me a form letter and explain fees to me. I understand the fee process and I don't need the form letter. I was promised the credit for the XX/XX/2018 interest in the amount of {$100.00} and they refuse to live up to this promise! In addition, the response I was given by a XXXX XXXX XXXX, stated and I quote " We attempted to contact XXXX XXXX but were unsuccessful ''. Well, I have ZERO record of a phone message from this person and only got an automated response from her in an email saying she was looking into this. I was never contacted after that and that statement is misleading and false.

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 2019-04-02
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the amount owed on the date XX/XX/2018 The account was completely paid off, but I still receive notifications as if I hadn't. The account is still open in my credit and I contacted the company but they haven't fixed the issue yet.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX XXXX XXXX SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX  Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC

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 2019-04-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In early XX/XX/2019 I filed an online request to obtain my annual free credit reports from XXXX, XXXX and Experian. I have received reports from XXXX and XXXX. I received a letter from Experian dated XXXX XX/XX/2019 declaring I did not provide sufficient information to send me my report. I do not understand why, when I go online to request this information, it is adequate for 2 firms and inadequate for the third. I have tried for 2 days to contact Experian and have been unsuccessful. After the recent Experian data breach disaster, and the lack of concern for common Americans exhibited over the last 26 months by the liar in the White House and his indictable cohorts, I am extremely concerned that my personal information is either 1. compromised and available to fraudulent or criminal sources, or 2. inaccurate, untruthful, or just plain wrong. I accept that in the end, I am the one most responsible for my security. However, I have been unable to contact any human being at Experian to seek help on this matter. I believed that completing my request at XXXX was the correct way to review my credit information. Is this no longer true? What advice can you offer about how to either contact Experian, or make a request that they remove any and all information about me from their records and confirm that fact to me?

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 2018-03-24
Company: Experian Information Solutions Inc.
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:
I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!

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 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

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 2019-04-02
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to petition that the corporate advances be revised in accordance of state and federal law. BB & T wants {$8100.00} in attorney fees, whereas the law allows a maximum d {$3600.00}. 

The fees may not exceed " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. That fee is maximum {$3600.00}. I have attached all governing legal references and filed an invitation with the Federal Bureau of Consumer Protection. 

The corporate advances exceed federally and state approved " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. 

I have confirmed this with HUD, as well with the State and Federal Bureau of Consumer Protection ( Federal Trade Commission ). I have attached 24 CFR 203.552 Federal HUD law for FHA backed mortages which mine is ) ACCEPTABLE FEES AND CHARGES - GENERAL ( 24 CFR 203.552 ). HUD regulations specify that the mortgagee may collect " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. The Department considers the FNMA fee schedules to be reasonable and customary. 

BB & T and XXXX XXXX is violation of HUD regulations by attempting to collecting a fee ( regardless of when the fee is actually collected ) for : 1. a service which in not specifically authorized in Paragraph 4-1C ; or 2.a service not authorized in advance by one of the fee regulators above. 3.charging a fee that does not comply with the rule stated in Paragraph 4-1A. 

I will wait to hear from you, thank you.

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 2019-04-02
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Visa Card over the last year has replaced my card due to several fraud charges. 

Then one charge that was fraud would not be credited and Chase claimed that the charge was valid. The charge is not a valid charge for {$25.00}. 

After several months of trying to get the charge corrected, with no positive results, I demanded Chase Visa, credit all service fees, interest charges and the invalid fraud charge one last time. No response from Chase Visa except for the monthly bill being sent each month. 

I then wrote Chase Visa and demanded the account be closed since there is no longer any trust with their service or products. Chase Visa then sent a letter asking for payment and money to keep the account active. 

I no longer want to do business with them and have informed them of this and to close the account and bring the balance to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX 2016, Bank of America closed my IRAs, withheld taxes, and mailed checks totaling {$23000.00} and XXXX to my ex-husbands address where I have never lived. They mailed it to that address even though they had my social security number, and my updated name and address on two other active Bank of America accounts. 
I discovered this when I went to consolidate my assets this past summer. After 8 different meetings and numerous phone calls, Bank of America refused to re-open the accounts, file an amended XXXX or provide any other means of compensation. I have now paid over {$10000.00} in taxes and fees associated with these closed IRAs. 
If they had not closed these accounts, I would have been able to take advantage of the 60 day rollover option and avoided paying taxes. The timing was particularly damaging in that Bank of America closed the account in XX/XX/XXXX of my last year of employment, which will be the highest taxable earnings of my entire 44 year career.

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 2019-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I made a report onXX/XX/XXXX regarding my mortgage, a breach of contract fromXX/XX/XXXX which caused me to not only become behind after the bank voided the contract unilaterally 2 payments in and after telling me to miss XX/XX/XXXXs payment. The company responded on XX/XX/XXXX to CFPB and I rebutted their lies on XX/XX/XXXX. Less than two weeks later, my loan was sent to foreclosure! I spoke with Mr. XXXX at Wells Fargo on XX/XX/XXXX and was told that he would get together with Ms. XXXX ( home preservation ) to do a manual workout plan so that I could finish school ( summer is my internship ) and pay off my car ( XX/XX/XXXX ). That was a lie and never came to fruition. OnXX/XX/XXXX, I made my scheduled payment but it does not show up ( making it appear that Im further behind ). On XX/XX/XXXX, I spoke extensively with Mr. XXXX however he made no apologies for his lies and stated that I was placed into foreclosure because I was 120 days behind ( behind from XX/XX/XXXX ). I was 156 days behind in XX/XX/XXXX but made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and foreclosure was not sought. This is plain and simple retaliatory behavior by a scandalous bank. My initial complaints were XXXX and 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 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I canceled my service with The XXXX XXXX XXXX   canceling their authorization to retrieve funds from my credit card account because I was led to believe that I had to keep their XXXX  services to obtain the credit card. Following the cancelation, I never paid any of the monthly charges because I added a block. I filed a dispute XXXX for {$2900.00} with American Express because The XXXX was non-responsive. It was credited back to my balance. On XX/XX/2019, American Express rebilled me the {$2900.00} and charged me XXXX the first monthly installment on XXXX after I made them aware and forwarded them a copy of the cancelation request I sent the merchant. 

At the time of this purchase, I made the sales lady aware that I was suffering from severe XXXX and my husband suffers residuals from a XXXX. I felt like we were taken advantage of and ignored when I expressed buyers remorse. At the time of the purchase I was being treated for severe XXXX and they completely disregarded my attempts to cancel prior to the letter I faxed. 

Now, American Express feels it's their duty to make me abide by the contract that I canceled with The XXXX.

Company response to consumer: Closed with explanation