BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: MidAmerica Mortgage Inc
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage switched from my original lender/servicer to a new servicer - Mid America Mortgage - on XX/XX/XXXX. 

I had made my XXXX mortgage payment on XX/XX/XXXX to my original lender, but they transferred that payment along with the loan to the new servicer. That payment was lost in the shuffle and Mid America didnt find/apply the payment to my account until XX/XX/XXXX. My account with Mid America wasnt active until XX/XX/XXXX and, despite several attempts to pay online and over the phone, they were not able to process any payment attempts until it was active in their system. On XX/XX/XXXX, I paid the XX/XX/XXXX and XX/XX/XXXX payments at once. Because of this, neither of those payments were applied in XXXX and I am not getting any credit for the XXXX, and XXXX payments on my XXXX taxes. 

Additionally, my property taxes were due on XX/XX/XXXX, in the amount of {$2400.00}. It also was lost on the shuffle and it took my calling Mid America several times to get them to pay the amount from my escrow account. Again, this payment was not applied to my XXXX taxes. More importantly, the escrow amount they were claiming they received was not accurate. They said they would looking into the issue and call/email me to confirm the correct amount. I never received a call. 

The other issue is that the customer service reps at Mid America do not seem to have training and I only seem to get anything accomplished when I connect the customer service representatives from my previous lender with the new service reps at Mid America. And to get in touch with Mid America I consistently have to wait on hold for 1-2 hours before speaking with anyone. Only to be disregarded, told its another department ( which Im not allowed to speak to directly ) and promised a follow-up call from them, which I never receive. Im so sick of dealing with their ineptitude, sitting on hold, and not getting help. And I have zero control over who services my loan. This is a such a frustrating company to communicate and work with. And they have dropped the ball so many times. This is my first mortgage on my first home and the bottom line is I cant trust them to provide quality service or keep accurate records of my payments, escrow amount, or even to make payments on my property taxes on time. Someone needs to kick them into high gear. Its also worth noting that they openly admit that Im not the only customer experiencing these mistakes and my previous lender is getting quite a few complaints from borrows whol theyve transferred to Mid America. I need your help! We all do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been with freedoms mortage for years by force, being they brought my loan out from my prior bank. When the interest rates dropped I decided to refi and that it would be easier to do it with my current bank instead of switching. Freedom mortage processed my request and they scheduled me for closing after they ran all the necessary things. I took off work and spent money to get to where the closing was and no one showed up. It was cancel on freedom mortage part and no one reached out to me. I called them and the apologized and second one for the follow week and assured me that they will get everything resolved and then no one showed again. They claim it was an issue with texas and the funny part was no one in texas had an issue with refi. The paper work was processed a month later. They ran my credit again when it was not needed and lowered my credit score. That was a negative impact and for the I'm sorry they mailed me a XXXX   caller gift card. Now the did not pay my taxes and I am getting collection notices and another negative impact on my credit and I got late fees. This is not fair and they have impacted me twice on a negative note and have not made it right

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: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Both of these accounts XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX  acct # XXXX are both reporting on EQUIFAX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..EQUIFAX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. XXXX XXXX should not be reporting ... .it was closed due to fraud and EQUIFAX just recently reported it 30 day late ... .XXXX XXXX is also a fraudulent account that EQUIFAX stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on EQUIFAX is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of EQUIFAX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from EQUIFAX in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: DC
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:
Ive reached out to Experian to request inquiries be removed from my credit report on XX/XX/2022 and previous dates. I have contacted the original creditor, XXXX to have it removed and filed a report of fraud. XXXX has provided me with a letter stating their unauthorized inquiry. I have also had unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX. Experian has refused to remove the inquiry from my credit file.

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 2022-02-25
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
We had a Paypal account that we used. Our credit card was linked to the paypal account along with our banking account. We hosted an exchange student a few years ago now and helped her obtain a car while in the US. We moved money using our paypal account. They froze the account and wanted a copy of our driver license and other information which we were not comfortable providing. We have requested multiple times for them to close the account, but they will not unless we provide sensitive information. If this information was not required at the opening of the account I do not believe we should be providing it at this time. There is no cash balance or anything like that it just needs to be closed to avoid any future fraudulent activity. We have tried multiple times in the past and tried again as we received an email from paypal to validate a transaction. This transaction is not something we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Fedloan Servicing have not reported my monthly payments on to the Credit Bureau for the past several months. The government issued a forbearance on student loans, including public service forgiveness loans, which I have, due to the pandemic. I however requested that I be taken out of forbearance so that I can make monthly payments on my loans. I have been making regular monthly payments since XX/XX/2020 to present. In fact, my account is set to automatic payments. While the Credit Bureau reports that my student loan with FedLoans are out of forbearance, FedLoan has failed to report my monthly payments. My monthly payments reflect on the credit report as {$0.00}, when I actually have been making monthly payments of {$190.00} per month since XX/XX/2020. 

I have contacted FedLoans several times about this. They admit that they should be reporting the monthly payment amounts and it would reflect in the following month. Each time I contact them they give the same response. This has been going on for the past four months now. I currently need my monthly payments to reflect on my credit report, and I believe it is against the law that they have failed to accurately report it. 

To date, my report does not reflect that I am currently making payments of {$190.00} per month. I believe this is wrong and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit limit with XXXX  was {$22000.00}. XXXX  let me go over by three times the amount, over {$67000.00}. This is illegal. I have made payments since then. My balance now should be no more than {$10000.00} after subtracting the payments from the limit of {$22000.00} from when I closed 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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is reporting a collection account with incorrect DATE OPENED. Trans Union has date opened XX/XX/2020 and XXXX and XXXX have date opened XX/XX/2020. XXXX XXXX  is reporting a collection account with DIFFERENT ACCOUNT NUMBERS for the SAME ACCOUNT. XXXX has a different account number listed on my credit report than XXXX and TransUnion. 
Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX  ) Date Opened : XX/XX/2020, {$680.00} - TransUnion ( XXXX XXXX ) A collection account should not report as a OPEN ACCOUNT and a collection account should not have a BALANCE of {$680.00}. 
Dates of last active do not match either. There are 6 inaccuracies that are being report to XXXX, XXXX and TransUnion. This is a violation of the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2020-03-03
Company: General Credit Services
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
General Credit Services has been collecting on behalf of XXXX XXXX for the last 2 years on a medical debt that was miscoded in the system. They have yet to correct the issue and continue to hound/persistently collect for a debt not owed. When speaking with the insurance company, the routine tests that were performed were considered covered without a deductible, yet XXXX 's billing and General Credit Services care little about that and continue to collect this information. I received a notice on my credit report that General Credit Services had placed this as a collections account on XX/XX/2020, after multiple harassing letters and a phone call that suggested that they would sue me if they did not receive payment. Not only has General Credit Services and XXXX violated the FDCPA, but they have also violated the FCRA while knowing this amount was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a loan thru chase bank for my XXXX XXXX XXXX since XX/XX/XXXX I made monthly payments directly to chase bank every month I would request payment history statements every three months to see where my principal payments were getting applied so I have a very documented financial history showing my loan was never past due but my car was involved in a accident my insurance company XXXX XXXX XXXX told me I have full coverage and I need to release car from the tow yard to my insurance company because they will fix it and rent me a car but a lack of communication or something happened and the car was sold at a auto auction and chase bank said my insurance company refused to pay the remainder of the loan and told me the reason the car was there in the first place was because it was involuntary repossessed I asked how that is possible when I have proof of payments on time and they first told me I didnt pay in XXXX in XXXX so I pulled out the payment history and gave her the amount and date they applied that payment to my account so after she couldnt get out an excuse for that month she told me that my payment in the month of XX/XX/XXXX was reversed And I said well I show it was applied and the same date Next month another payment was sent in and so on and so on so basically chase sold my car at auto auction as salvage vehicle the insurance company changed their mind and said nevermind we wont cover it after they took possession of it and even after the bank sold the car they were still receiving my monthly payment even after it was illegally repossessed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a dispute against erroneous information reporting on my credit report XX/XX/XXXX. the investigation was completed XX/XX/XXXX and the results were the item was deleted off of my credit report. One XX/XX/XXXX, the reporting agency RE-INSERTED the information on my 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 2020-04-27
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage will NOT provide my 1098 interest forms for Federal Tax purposes past last year ( was only given the XXXX form ). My mortgage is no longer with PHH Mortgage & consequently I no longer have access to my online account to view my XXXX through XXXX 1098 Forms ( which is where I safely kept those forms - online ). 
My inquiry/request for past 1098 Forms on XX/XX/XXXX only yielded the XXXX Form. I am requesting 1098 Forms for XXXX through XXXX. Certainly they have access/records of these forms for tax auditing purposes & for previous customers.

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 2022-07-20
Company: SLM CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have co signed on the following student loans with my daughter and although the loans are in Deferral the lender Sallie Mae is reporting that I have borrowered over my high credit limit which is having a negative impact on my XXXX and hindering my ability to secure financing. the loans are : SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX,2022, USAA Bank XXXX card removed {$3000.00} from my account under the term Adjustment- Return. I have contacted them by phone and chat and they can not or will not explain the reason for this transaction. They will not explain why they took this action. Communications with USAA is exceedingly difficult. The simply say " we have no idea '' and that is all I can get from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :

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