BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: Freedom Mortgage Company
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance through my existing mortgage company, Freedom Mortgage. I had a closing disclosure issued to me on XX/XX/20 with closing costs at {$5600.00}. At my closing date, XX/XX/20 my paperwork showed up with closing costs at {$7700.00}. I received no notice prior to closing that my closing costs had went up {$2000.00} ( a 36 % increase ). I contacted my loan advisor, XXXX, while the signing agent was still present at my house. I had to leave a message for XXXX. That day I called Freedom Mortgage three more times trying to get ahold of XXXX or a manager that could help me, but was only passed around to different employees. It was discovered that the VA funding fee was not included in my closing costs and it should have been. The next day, XX/XX/20, I finally got to leave a message for a manager, XXXX, at around XXXX XXXX.. I received a phone call back from XXXX at around XXXX XXXX.. He said the increase was due to the VA funding fee, but said that he would look into it and get back to me tomorrow. I impressed upon him the importance of time, because I had only three days from closing ( XX/XX/20 at midnight ) to decide if I was going to cancel my refinance. Now XX/XX/20, I heard from XXXX in the afternoon around XXXX XXXX.. XXXX XXXX that there was not going to be a VA funding fee, but that he was working on the closing disclosure with the closing department and to not sign the " Right to Cancel '' form. I specifically told him that I would need the disclosure sent to me first thing in the morning, as I had to work and that day and it was the last day I would be able to cancel my refinance if the  figures were not satisfactory. XXXX also stated that the numbers would not be the same as my original disclosure statement, but was unable to tell me exactly what the numbers would be. I tried calling him later that day only to leave a message stating the numbers needed to be the same, this was not an opportunity for Freedom Mortgage to invent other fees to add to my closing disclosure. On XX/XX/20, I had no paperwork for my closing disclosure. XXXX called me in the afternoon, and still no closing disclosure. I informed XXXX that I needed that paperwork earlier today and they had three days to get me a new closing disclosure, which was still not available!!! I canceled my refinance as well as let him know that what occurred was unethical and illegal. Mortgage companies have to give you three days notice before closing if the closing disclosure amount changes and it should not vary more than 10 percent.

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 2020-09-28
Company: EQUIFAX, 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'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 {$720.00} This is the first action Ive taken. The company has sent this balance to a debt collection agency without my knowledge of knowing about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with NewRez since XXXX. Mortgage Insurance ( MI ) on my loan was supposed to be discontinued about 2 years ago. I have contacted the company many times ( by phone and email ) and received a letter in XX/XX/XXXX stating my loan has been approved for FHA MI cancellation, with FHA MI paid in arrears. 
I have since contacted the company again for follow-up on removing the MI from my monthly payments and for refund of arrears, but I have been unsuccessful. Anytime I call, I am being redirected to an insurance number that is unable to answer my questions. 
Lately, I received a letter stating my request has been submitted to the owner of the loan. 
The whole process has been very confusing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from NC FINANCIAL Solution on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with NC FINANCIAL Solution and XXXX XXXX to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment.

NC FINANCIAL SOLUTION replied as reported late although I have paid the loan in full.

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a balance on a gift card and can't get anyone to accept it. 
Called Amex several times and they were no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: PA
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:
Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX. 

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 agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was looking over my credit report and I received a notification on XX/XX/2018 from " Diversified consultants '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " XXXX XXXX XXXX '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for XXXX XXXX XXXX to be deleted immediately. This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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 sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
1. Community/Bayview send screenshot that shows your electronic records indicating the date and time that the default letter was scanned into your system.

2. send screenshot that shows your electronic records indicating that the date and time you sent the offer letter for a Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; WF CRD SVC XXXX XXXX OF XXXX XXXX WF CRD SVC XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX OF 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 XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2018-08-21
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency, XXXX XXXX XXXX, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " Cash Store '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.

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 2023-06-22
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to a servicing company approximately 3- 5 years ago, In XXXX of XXXX I was asked to provide proof of homeowners insurance which I did. First I had to prove I had my own HOA insurance and then I had to provide the XXXX 's insurance. Meanwhile the servicer went and purchased insurance on my behalf. I have received letters from the escrow dept saying that I have satisfied their request. 
In spite of this every month My account shows that I still have an escrow balance. I have been unable to make my payments on line for 10 months. I call it in and sometimes they apply it other times they take the payment but leave it unapplied. This results in my accounts showing delinquency and late charges. I have been getting letters stating that I can lose my home ( for being 30 days late when I'm not ) even though I have made the payments As a senior I feel that I am being harassed I am so stressed each month. 


I desperately need help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-18
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual 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 2021-01-25
Company: EQUIFAX, INC.
State: NY
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:
So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report Equifax & XXXX are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: DE
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 my NUMEROUS request that 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 itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$73.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-09-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputing an apartment rental that showed up on my credit report, noticed XX/XX/23. This is identity theft and there are other similar alleged debts that I have gotten removed from due dilignece.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a notice from Bank of America requesting additional information for an account that was trying to be opened. I never requested a bank account with BOA. They then claimed that the account was not opened to which when I received a debit card and monthly statement the account was indeed opened even though no money was in the account. I have a feeling that it is still open even though I made it very clear I did not open the account. I filled with the fraudulent department. This is the first time BOA has stolen my information. I had an account there about 13 years ago and was charged astronomical fees for over draft. Without any notification. When I had a credit card with them, that information was stolen. I have had at least two other occasions with them where my identity was stolen. It greatly affected my credit for some time but the e boa is off my credit report. But this definitely seems an ongoing problem with 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 non-monetary relief
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of fraud. I was in the hospital fighting for my life for almost XXXX years. I have the paper work to prove this. A relative of my mine opened up XXXX credit cards in my name without permission. I do not want to be held responsible for these account. I have supporting document from the XXXX  supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I do not know where this account came from but this is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation