BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my early payment for Freedom Mortgage disappeared. At this time I was trying to get another mortgage through XXXX.Because Freedom Mortgage was charging me for an escrow shortage plus 850 XXXX Though they couldn't explain to me why there was a shortage in my opinion thats fraud.I was told I did not make the payment and had late payments.They told the new mortgage company I had several late payments fees.Once went to my bank and proved I made th payment they started telling me they put the whole payment toward the principal .But when I got my XXXX statement it clearly showed that they put it in an unapplied account until I got a late fee .Then they dispersed they payment into my account. I copied all there records that show all there mistakes before they erased them from there records.By the end of XXXX I was down to 1 late fee Freedom 's agent told me that if I paid the late fee plus escrow shortages for XXXX, XXXX, and XXXX I would be totally caught up.So I paid XXXX on XX/XX/XXXX XXXX XX/XX/2022 myself the new mortgage and Freedom Mortgage got on a 3way call to prove I was caught upand with only one late fee.The first thing Freedom said was this is an attempt to collect a debt for XXXX $ .I said no I just paid you XXXX 4 days ago for XXXX and was told I'd be caught up.The lady said she'd have to check on it but would answer the other mortgages questions.The other mortgage asked if I had nonpayment or 1 late fee.Lady said yes then no nonpayment or late fees.He asked the same question again she said no ( Now I just paid a late fee with that XXXX, a latefee that that no longer exists except on my credit report the only bad thing on it ) .Then he asked does he have any late fees 30 days or more she said no.She hung up he knew it was bull because he said I can go in and take that late fees off your recordsI thanked him.Lost the mortgage reason was to many late payments main reason.I only have one late payment on credit report Freedom Mortgage. I copied all there info off the computer before it changed.a week later I talked to aguy from Freedom Mortgage and he told me thathe XXXX payment went to principal as read to him off my statement he ignored it.He told me I don't know what to tell you .I said I paid 13 payments in 13 months I paid early and more that I was supposed to but I owe XXXX? He said you owe a 14th payment for13 months and if you don't pay it they could take your home.I talked VA mortgage Friday the XXXX, she called me Monday XXXX sent everything I sent her and asked questions to Freedom. The only answer she got back was XXXX XXXX is up to date his next payment is XX/XX/2022. If this isn't wrong and against the law something is really wrong with the law.It has my paid in overdrive.

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 2023-12-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
LVNV FUNDING LLC has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have a company that I started and have been scammed by employees at the company who have created and utilized the contention information for their own gains in my name. The company name is XXXX XXXX XXXX and I started the company in XXXX. I have articles of incorporation and registration in states. When I contact the agency that seems to mirror my company this agency website doesn't have any discern regarding value and my effort at the start of the company. Monies have been sent and ROI due. Please contact the agency that seems to be using my own simbiance without my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Personal information incorrect

Complaint:
Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For reference : Ive never made a late payment. Always pay my balance in full. Have had this credit card for a year. Am on auto draft. 

I made a payment on XX/XX/XXXX for {$11000.00} which was taken out of my bank account immediately. I called Citibank in the 3rd and they said it needed 2 business days to clear ( after calling XXXXXXXX XXXX  on a 3 way call and XXXX told Citibank that the funds were available but taken out by Citi on the XXXX ). I called Citi today, XX/XX/XXXX, and they said the funds are on a hold until XX/XX/XXXX. 

During this time I have a {$0.00} credit limit and all of my bills are tied to this credit card and being declined. I plan to cancel the card once I get am assured that I get my funds applied. The way I see it I am loaning this company almost $ XXXX for 13 days and not by choice. 

Citibank has also declined to increase my credit balance even though I have impeccable credit and payment history 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 explanation
Consumer complaint received 2022-03-16
Company: LoanCare, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I sold a property in XXXX XXXX, XXXX, Texas. During the settlement process I was asked for, and supplied, XXXX Bank details for electronic transfer of funds. Subsequent to settlement, in XX/XX/XXXX, I received a paper Check via surface mail in XXXX for USD {$590.00}, even though electronic funds transfer details were supplied for settlement purposes. My XXXX Bank have advised they are not able to accept a physical paper Check, therefore I am unable to access these funds.

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 2022-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed with TD Bank on my refinance on XX/XX/XXXX, loan number XXXX. 

On the closing disclosure I was quoted a monthly payment of {$2400.00} including escrow of {$1200.00}. The closing disclosure noted quarterly property taxes of {$3300.00} and annualized hazard insurance cost of {$1800.00}. I prepaid {$2400.00} into escrow and made monthly payments of {$1200.00} starting XX/XX/XXXX. 

We are now 13 months into the mortgage, and TD has sent me a notice indicating an escrow shortfall of {$3200.00}. My quarterly taxes have gone up only $ XXXX and my hazard insurance has gone up only {$54.00} annually. 

My total payments into escrow from closing through XX/XX/XXXX were {$17000.00}. TD 's total expenditures for that period were {$16000.00} ( which included three extra months of hazard insurance to adjust from XXXX through XX/XX/XXXX ), so as of XX/XX/XXXX the escrow should have a positive balance of {$1700.00}. TD projects expenditures of {$15000.00} during the next escrow cycle and payments of {$15000.00}. 

I understand the need to cover the shortfall of about {$830.00} between the {$1700.00} positive balance as of XX/XX/XXXX and the required reserve balance of {$2600.00} but TD doesn't appear to be able to explain the additional {$2400.00} that it wants to collect for XXXX. I have contacted TD three times on this and the third time I was told that TD needs to start collecting this amount against the XXXX hazard payment due in XX/XX/XXXX, so in effect they are collecting three years of hazard insurance in two years of escrow payments. 

The requirement to escrow an extra year of hazard insurance premiums in the first two years of the mortgage in addition to maintaining a continuous two months ' cushion, was never disclosed and seems like it should have been. If this is not a requirement, TD has made a mistake they refuse to acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two Home Depot accounts and both have balances on them that are Interest free for a certain period of time. I made a payment on the wrong account.The interest is not due until XX/XX/2019. I then paid the correct account that the interest free ends in XX/XX/2019. I went back in to delete the payment I made on the wrong account {$640.00} and it would not let me delete payment. Called and Citi Bank as horrible said it was a dispute process and would take up to 60 days. Tried to get money back I over paid via phone but very rude agent XXXX ID # XXXX ANDE HIS BOSS XXXX XXXX. Was hung up on by Supervisor. Over paid and not getting any help

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 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means , at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX CA XXXX, BANK OF AMERICA XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}

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 2020-03-07
Company: Experian Information Solutions Inc.
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:
To Whomever This May Concern : I am reaching back out because I am going to file suit against XXXX  and Experian. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

XXXX  refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

Experian refuses to remove XXXX XXXX that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. Experian has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I have sent Experian the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through Experian and XXXX  and both of these bureaus are refusing to cooperate. 

My attorney is giving Experian and XXXX  until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: OPTUM BANK, INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an XXXX account with Optum XXXX. On XX/XX/2021 I went to Optum website to pay my doctor bill. So, I created distribution from my account to my doctor. Optum deducted requested amount ( {$130.00} ) from my account but my doctor never received this money. Now after 4 months doctor office is sending me to the collection agency. In meantime I called a few times my XXXX bank to resolve this case and my bank is unable to provide me with any proof of payment. They can not find the check cashed by the doctor. They even don't know check number issued to the doctor. They also don't want to return this money back to my account. I got multiple promises to get some solution and nothing happened. Seems like they just play for time. Each time they are assigning different case number. After a few days I am receiving email with info that case is closed. My last, still open case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX  reported a debt on my current XXXX/equifax report. I sent XXXX  the documentation and spoke to equifax on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: WI
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:
Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from XX/XX/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 2019-07-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi I applied for a credit card application through Macy and it was turn down due to not being verified through my cell phone which I dont have and I ask if I can send in my ID and my social by fax and mail and the supervisor said no and I have to reapply in 30 days and it was a waste of credit inquire and the rep was rude to me and didnt offer any alternative and this company is so cheap and I feel like I wasted my time and this is wrong and I dont have no fraud alert or any holds on my application at all my application number is # 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 2023-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Trustee and CFO of CREDIT ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY CREDIT ACCEPTANCE CORPORATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: United Revenue Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTE : it is NOT a duplicate case, it is the 2nd case against the same collection agency. Please, don't discard this claim, the files attached to this claim are different from case number XXXX even though the content is the same the evidence is different. 

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX  which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe, leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them

Company response to consumer: Closed with explanation