BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX HI guys. 
You did not answer my problem.The my mortgage monthly payment was counted for XXXX XXXX city Grand List on XX/XX/.This value on Grand List can not be change and is obligatory for one year.The Grand List   assessment XXXX take effect on XXXX XXXX  to the next XXXX in XXXX.While XXXX to XXXX XXXX the value of this assessment is mandatory.I bought my home on XXXX XXXX when I was under assessment from XXXX XX/XX/XXXX to XXXX XXXX.The assessment value of property tax was {$4900.00} this means that semiannual property tax to the city should be {$2400.00} to the XXXX XX/XX/XXXX, but you change it in the XX/XX/XXXX to {$2700.00} semiannual payment for property tax..Why?

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: LENDER LIVE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I purchased a new construction home in XXXX XXXX. LenderLive serviced the loan including escrow through XXXX and at the beginning of XXXX, XXXX Mortgage took over servicing the loan. In XXXX XXXX, XXXX Mortgage performed an escrow analysis and found that there was a shortage of {$25000.00}. We contacted LenderLive about the shortage and they admitted that XXXX escrow analysis should have been done during XXXX, but none were performed. To correct the shortage, our monthly payment will go from {$2200.00} to {$5700.00} for a 12 month period and then to {$3500.00} going forward. After contacting LenderLive and speaking with multiple customer service representatives and a Director, they admit that there was no escrow analysis performed when there should have been, yet the Director says that it is not their responsibility to adjust the monthly payment in a timely manner to avoid such large shortages. We have tried to contact the Vice President of LenderLive, but our call has not been taken and voicemail has not been returned. We are now trying to negotiate with XXXX Mortgage a reasonable payment plan to pay off the escrow shortage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Nelnet, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear CFPB Office of the Ombudsman : My student loan servicer NELNET who services federal student loans to the credit agencies XXXX, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by Nelnet where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidation XX/XX/XXXX Incorrect address reported ( XX/XX/XXXX ) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher NELNET and the credit bureaus XXXX, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by Nelnet, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at Nelnet said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer NELNET and audit of the credit reporting history from Nelnet. I have scanned copies of the credit report from XXXX to show the reported timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My texas unemployment card has not been received and from the correspondence box on XXXX  website it shows my information wad sent to an old address. We do not have and/or received a payment card and can not access our unemployment benefits. WE CAN NOT GET THROUGH TO ANYONE VIA TELEPHONE AT EITHER XXXX AND/OR RELIACARD.

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 2019-05-09
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for and was approved a Navy Federal Credit Union XXXX XXXX credit card. I applied because there was a 12 month 1.99 % APR offer. I received the credit card along with the Credit Card Pricing Terms a few days later. The Credit Card Pricing Terms document the card was adhered to clearly affirmed that my APR was 1.99 % for 12 month for Purchases AND/OR Balance Transfers after which I would be at 14.99 %. This letter is dated XX/XX/2019 and I still have it. On my last statement dated XX/XX/2019 I see I was charged 15.24 % interest on a balance transfer. I then looked back at previous statements and see I was charged the same higher interest rate. I called the bank. The first woman I spoke to put me on hold for several minutes before going to speak with a supervisor ... she then said she needed me to wait longer while they work it out and then hung up on my. I called back again later and spoke directly with a supervisor who was also unable to figure it out. Please help me to get this resolved. I am guessing I am not the only one they are trying to pull this with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I had a hard inquiry from American Express. I never consented into applying for this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I logged online to my American Express Blue Cash card, and there was an offer to the effect of " upgrade your blue cash card to preferred card and spend {$2000.00} in next three months and we will give you a {$250.00} statement credit ''. The upgrade has a {$95.00} annual membership fee. I responded to the offer on that day, and spent more than {$2000.00} within two months. 

But I did not see the {$250.00} statement credit. I then chatted online with an American Express customer service member and his supervisor to inquire about the credit. They told me that I had already been given the credit for the same offer in XXXX and was not eligible for the offer again. I counter argued, telling them that there was no way for me to know all the details. More importantly, American should not have made the offer to me the second time. Be that the case, we would not even have this conversation. I also told them that I had tried hard in order to meet the {$2000.00} spending requirements, for example, I used their card but not using credit cards from other issuers even though they offered % 5 cash back rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
State: SC
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:
HELP I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX ( Original Creditor : 11 XXXX ) XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures :

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 2020-07-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC wont connect to XXXX  online and i have called both parties its been months and im not getting the service i need from either party

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX. 

I have no knowledge of any alleged account with XXXX XXXX. Period. 

1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX. 

2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter. 

I received no response. 

3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX. 

I received no response. 

4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX  XXXX ( no remark ) on my XXXX  credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX  credit report. 

XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports. 

5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting. 

Again, I received no response. 

6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions. 

7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ). 

8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX  that dropped my XXXX score by such an enormous amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: APPLE RECOVERY, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company had been taking money out of a joint account I had. I noticed back in XX/XX/XXXX that payments were being taking out. Finally I re searched who the call company was and it was loan me which they had taken out about 3500 dollars in money out of my account stating that a XXXX dollar loan had been taken out under my name. I then explained to them that I had no knowledge of such loan they neeeded to send me information in regards to whom took this loan out. I requested this information about 3-4 times but they never mailed nor emailed the information to me. On XX/XX/XXXX I received a call from a collection agency Apple recovery stating they were attempting to collect a debt from Loan me in the amount of XXXX. I proceeded to explain to the gentleman the situation and he put me on hold and stated that they are willing to settle for XXXX so that it can clear my credit and I then can file a civil case against them. I explained to him I wasnt going to pay anything until they provided me with proof of the loan as requested in the past. He then became aggressive and stated I was throwing a temper tantrum and they will start a legal action against me .... I asked him to elaborate on what he meant legal action and he replied Im gon na only ask you one last time how much can you pay today? If cant answer that. We will have to proceed with further action. I am not sure what he meant. I extremely worried about this and would like a resolution. Could someone call me for help in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Started an online chat with Synchrony bank on XX/XX/2019 for 15 disputed charges due to the company I was working with stopped responding to me for products that I ordered and then never delivered. Chatted with XXXX XXXX and from the saved chat logs assured me that all 15 transactions were included in the disputed. Just to make sure I called customer service maybe a week later to make sure all those 15 transactions were included and sure enough they were not. I called the agent who raised the dispute and added the remaining amounts and stated that we have to wait another 60 days for these remaining amounts to be included in the dispute. Ok no problem. I called either XX/XX/XXXX or XXXX and I had an agent from the dispute department today state that at first they didn't see my dispute but then after a few minutes on hold she told me there was {$3800.00} still pending to be credited back? I am not to sure where they got that figure but recently they credited back {$1200.00} for the 4 disputes for the dates XX/XX/XXXX19, XX/XX/XXXX19, XX/XX/XXXX19, and XX/XX/XXXX19. The remaining amounts Synchrony bank stated there is absolutely no record and I would have to do another dispute. This company is by far THE WORST customer service company I have ever dealt with. No one has a clue how to service a customer. No way I would like this resolved immediately.

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 monetary relief
Consumer complaint received 2017-11-19
Company: SYNCHRONY FINANCIAL
State: NC
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 Received alert from XXXX XXXX this bank Syncb/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was running my credit report on XXXX/XXXX/XXXX I did not apply for credit on this day nor with this store if I apply for credit I always apply in person at the stores I have an open account with this bank that I applied in person at the store as I was advised to never give personal information on the phone nor the internet unless I know the company and have verified the security of my information. I called this company to complaine and dispute the Application I was told that i have 2 pending applications the represenitive said he put in the the dispute but it would take up to 60-90 days to clear it up if they could verify fraud I found this to be very unprofessional as it only took them a few minutes to check my credit ( I saw them on my credit report ) As I explainened to the Represenitive for the bank I do not want nor did i apply for a credit card for this store I requested them to remove this application and not give me a card for 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 2021-09-17
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: Information belongs to someone else

Complaint:
I have unauthorized inquiries on my credit report.I believe someone tried to use my social security number for personal gain. On XXXX I sent a letter to the credit reporting agency regarding inaccurate & unknown items on my report and they have not responded and it has been exactly 60 days since then. Section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove those items from my report so they should be deleted promptly. I demand these items be removed or I will file for litigation. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 received an alert about a collection account being placed on my XXXX  credit report. I checked it and noticed that there is a collection account from the company Afni for XXXX stating that it was opened on XX/XX/2019. I had already filed a police report and fraud report with the FTC. This is a strong case of identity theft. I had this problem before with this company and informed them of the problem. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
I applied for a car XXXX XXXX of XXXX, I had my father as a co-signer and we bought the car. I currently have 3 hard inquiries from doing this on my credit report. One from XXXX XXXX XXXX XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX. One from Capital One Auto Finance on XXXX XXXX, XXXX, and one from XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX, which is where I bought the car. 

I did not authorize either one of those credit agencies to run my credit, we were told we were going through another credit union called XXXX XXXX XXXX XXXX but my father got denied as well. Then they just ran us through all these credit unions without asking our permission, and now my already bad credit score is  worse from all the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization

Company response to consumer: Closed with explanation