BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: RoundPoint Mortgage Servicing LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have never been late on a mortgage payment. 

Our loan, # XXXX, is owned by XXXX XXXX and serviced by Round point Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX NC. The first week in XX/XX/XXXX, we contacted Round point to let them know we would be changing the insurance carrier on our house. We followed this up by calling again in the first week in XXXX and the middle of XXXX. Our policy was due to renew on XX/XX/2019. During the last call the customer service agent for Round point said they received the XXXX page from XXXX and all was good as they had not paid the old insurance carrier, XXXX. On XX/XX/XXXX we got an {$890.00} refund check from XXXX. We called XXXX and they had not been paid the {$890.00} owed them. That same day in the mail we received a letter from Round point dated XX/XX/XXXX threatening us if didn't get insurance. We then called them twice asking for a postage paid envelope to mail them the refund check, once speaking with a XXXX, and would they please pay the right insurance company. They have raised our mortgage by {$60.00} a month and have sent another threatening letter saying we owe they them {$1200.00} for the escrow account. Now the are saying they send us a postage paid envelope either. We still don't know if they paid XXXX. 

The math they are using doesn't add up right. Their mismanagement might mean we may not have insurance on our house. I am not paying the postage to mail them the refund and I don't trust them to put it in our account anyway. I have asked them for control of our own escrow account as we'd actually pay the bills correctly and they said no. How far can they go in threatening us?

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 2019-07-22
Company: Experian Information Solutions Inc.
State: MS
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 upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX   XXXX Experian : 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 non-monetary relief
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, Transunion : XXXX. XXXX XXXX XXXX XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : 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 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : # 1. XXXX XXXX on XX/XX/XXXX # 2. XXXX XXXX l on XX/XX/XXXX XXXX # 3. Members XXXX XXXX on XXXX XXXX # 4 XXXX on XXXX XXXX # 5 XXXX on XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows ...

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 2018-01-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am on a fixed income and my mortgage payments started increasing over what it should of been based on a speculation of home insurance and tax increase which they were not at the time. I am now being charged an increase for a shortage i had no knowledge of and a large payment being sent for my taxes and home insurance.

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 2019-04-07
Company: R.M. Galicia, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was from XX/XX/XXXX. In XX/XX/XXXX I checked my credit report and the debt had be re-aged only a few days prior to my checking it! In XX/XX/XXXX. There was no option in your automated system that I found for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
hello, i have phoned nelnet repeatedly. 

i get absolutely no where! the people and supervisors who answer the phones are the rudest people ever. i am assuming that it is because you are a private company vs federal. horrible. i can not get any information from them. 

XXXX XXXX. { no one seems to know who that person is XXXX mailed me some paperwork. the paperwork is not cohesive and i would like to speak with " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payment was made via authorized direct-from-bank-account payment on XX/XX/XXXX for {$3600.00}, the full amount of loan no. XXXX. Navient acknowledged payment on XX/XX/XXXX. By XX/XX/XXXX, Navient had not taken payment, and additional interest had accrued. Another direct-from-bank account payment of {$1.00} was made to cover the additional interest, and Navient acknowledged payment on XX/XX/XXXX. As of XX/XX/XXXX, Navient had NEVER taken payment, and additional interest had again accrued. Checking the account online, both payments were listed as " reversed '' each ON THE SAME DAY they were made. No notice was given of this action, and no inquiries were received as to any problems. The funds remain in the bank account in full, and no response has been received from Navient. This appears to be a deliberate and intentional effort on Navient 's part to refuse to accept payment in order to increase interest costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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: Account status incorrect

Complaint:
I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.

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 2019-07-22
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year when setting up my mortgage payment and establishing my escrow for my house insurance and tax payments, BB & T base the mortgage and escrow on an estimated tax instead of allowing the Tax Office to give them the correct amount. This in turn makes the tax office or the bank have to reimburse for overpayment of taxes which could be avoided if they would process correctly.

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 2019-07-22
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am very upset with how I was treated by Huntington bank on XX/XX/XXXX. I had called in to figure out why I was charged with my car payment of {$470.00} and {$200.00}. I had called XX/XX/XXXX staying that I could not make my car payment. The man was like okay well can you at least pay {$200.00} today and {$270.00} another week. I agreed and he said my bank account would not be charged the {$470.00}. Well it was charged with both which at the time put my account at XXXX. My son has been battling XXXX  XXXX and it has been so so hard to pay things lately due to our hospital bills. Obviously our son comes first. When I called XX/XX/XXXX I spoke to a man who named XXXX who was rude. He had no sympathy for me said that they would have to investigate instead of giving me my {$200.00} or {$470.00} back to me. I was bawling my eyes out on the phone and asked to speak to a manager instead and he said that would not do me any good. He literally did not even try to reassure me. At this point I do not even want to talk or deal with this loan company anymore. I made a complaint about my situation, a woman called me then never got back to me!!! I just want a huge apology and the company to say they will do whatever to help me through this tough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed and completed a Deed in Lieu of Foreclosure in XXXX with XXXX. They also issued a XXXX " Cancellation of Debt '' which was recorded on my XXXX IRS Tax Forms. XXXX was negligent in filing the Deed in Lieu of Foreclosure documents with XXXX XXXX Assessor of Property and Tax Accessor 's Office. The Clerk 's offices show that I own the property at : XXXX XXXX XXXX XXXX, TN XXXX free and clear of any lien and that the property is deeded in my name. I believe this to be in error because I ca n't fathom the lienholder willing to give me the property mentioned herein, especially after filing and both parties agreeing to Deed in Lieu of Foreclosure. XXXX or XXXX XXXX XXXX transferred service to LoanCare. I have requested and have proof of my request to communicate in writing, via email. They refuse to do so. They also do not want me recording the phone conversation if I call. My preferred method of communication is email. 

Furthermore, XXXX called me on XXXX XXXX, XXXX, she stated the following in speaking to both my wife and I on speakerphone : 1. In 30-60 days, when everything is finalized, LoanCare will record the " account settled and nothing due '' on my credit history. 

2. In 30-60 days, LoanCare would file the proper Deed in Lieu of Foreclosure documentation with XXXX XXXX Tax Accessors Office and XXXX XXXX Clerk 's Office. As previously stated via email on XXXX XXXX XXXX, those offices ' records show I own the property free and clear of any lien with the property in my name. These issues are to be fixed in the 30-60 day timeframe. 

3. I am to email a copy of the XXXX XXXX Tax Statement to LoanCare for payment.

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 2018-01-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please Help Me!!!! 

Identity Theft Victim 1. XXXX XXXX XXXX / XXXX = {$200.00} 2. XXXX XXXX / XXXX-XXXX = {$170.00} 3. XXXX XXXX / XXXX XXXX XXXX  XXXX {$64.00} 4. XXXX XXXX XXXX ( Assigned ) Credit Class ( Assigned ) XXXX XXXX XXXX = {$1200.00} Account # XXXX, Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX 5. XXXX : My Social Security Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ... 

Non Authorization Inquires : A ) XXXX XXXX B ) XXXX XXXX C ) XXXX D ) XXXX E ) XXXX XXXX XXXX F ) XXXX XXXX G ) XXXX XXXX H ) XXXX XXXX I ) XXXX XXXX : XXXX J ) XXXX K ) XXXX L ) XXXX XXXX : XXXX M ) XXXX XXXX : XXXX N ) XXXX O ) XXXX/XXXX P ) XXXX XXXX XXXX : XXXX Q ) XXXX XXXX XXXX : XXXX R ) XXXX XXXX S ) XXXX XXXX XXXX : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I am reaching out to you because I feel that I am at a lost in regards to fraud claims that I disputed and that XXXX fails to assist me towards a fair and positive resolution. 

I submitted a fraud claim within 30 days of the multiple fraudulent charges totaling {$2000.00}. XXXX decided to cancel my account and close the investigation and I am liable for the fraud charges. Their explanation was that the charges were not fraudulent, however they did not provide any supporting documentation nor proper investigation. XXXX based their resolution on the fact that I have been a victim of fraud charges on the past and they assumed that I was negligent with my credit card. 


I have appealed XXXX 's resolution and provided them with explanation and affidavits, however to this date XXXX has failed to provide me with a positive resolution. I have been a long time customer of XXXX and I have had an excellent payment history and I believe that not only this is an injustice but it is unfair and according to their consumer agreement I should not be liable for fraudulent charges. 


I really appreciate your assistance in finding a positive and fair resolution to my claim. For ease of reference, I have uploaded some of the last communication letters exchanged with XXXX in regards to the fraud claim. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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 gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2019-07-22
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First issue relating to second issue : Im having an issue with a third party company named Deville that is trying to collect debt on a private loan from XXXX College. I have no idea of the charges. They are trying to collect XXXX in debt. I did not have a loan in this amount. I have never heard from this company nor have received mail from them about the cost. But it is on my credit report. I would like a detailed print out of my costs. As I remember XXXX has gone bankrupt as of XXXX. 

second situation relating to first : I went to College at XXXX XXXX campus with a XXXX XXXX in XX/XX/XXXX XX/XX/XXXX XXXX. My loan is a whopping XXXX, XXXX dollars ( gov grants and loans ) to a school that said they would provide services to their students.Many promises that included continuous learning at their campus. Such as : Update our skill set for a competitive market, free courses, Use their business center to find jobs, and have a counselor find us work. None of these promises were fulfilled. This is related to XXXX XXXX, but companies want a person that wears many hats, this means the job requires continuous schooling. 

XXXX LOAN : In this competitive job market in my field, and these change quickly. It is important to keep taking these courses to update your skill set. That was a perk that I was interested in when applying to XXXX. Unfortunately this didn't happen. I have illegal creditors trying to collect loans that I do not remember of. The only loans I have are my Government loans that I feel I should be forgiven of. In XXXX XXXX went bankrupt. I was back at XXXX XXXX XXXX to get my XX/XX/XXXX in XX/XX/XXXX. I took off a few months for personal reasons. I tried to come back and they were closed! 
As of XXXX Ive only done freelance work, I am not in my field yet and I am trying to update my skillset to get a job suited for me. I have ALL my loans on deferment and this accrues interest each year on my loans. So as for getting lied to from XXXX this is costing me more money and I have to pay back the loans. What a scam

Company response to consumer: Closed with explanation