BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage carrier is Carrington Mortgage Services LLC, and they have increased my escrow payment from {$370.00} to {$690.00}. Their reason was because my property tax statements from XXXX XXXX to XX/XX/XXXX were for total due {$3500.00}. Then the following cycle XX/XX/XXXX. XXXX to XX/XX/XXXX double to total due {$7300.00}. The reason for this double amount was because I did some energy efficient improvements on my house through the XXXX XXXX. This program allows you to pay the loan back through my County Tax statement every year. So, the additional or supplemental tax from the XXXX XXXX of {$3700.00} caused my escrow balance to become negative for that amount. They recalculated my escrow projected amount on XXXX to the {$690.00} amount. I explained to them I'm a senior citizen on a fixed income and couldn't avoid a {$300.00} jump in my monthly payment. Upon finding out my escrow balance was negative I paid the {$3700.00} on XXXX XXXX. The only thing I wanted Carrington to do was ignore the XXXX   supplemental tax portion moving forward and I would be responsible for this part of my tax bill which would move my escrow charges back to {$370.00} instead of the {$690.00}. The tax department attempted to have the supplemental tax from the XXXX XXXX taken off my tax statement. So, there have refused to do so. In their projected escrow analysis they are assuming a value. They don't know what my XXXX   supplemental tax will be for XXXX XXXX XXXX XXXX. I may have paid down the XXXX balance due or I may have paid it off. By making this assumption and charging me the additional {$300.00} I could be using that money to pay down the XXXX  balance. Please have them put my escrow payment back to the previous calculation and allow me to be totally responsible for the XXXX  supplemental part of my property tax bill. It that simple of a request. I'm attaching 4 documents to support what I've outlined about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2020-09-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were offered a streamline refinance by our mortgage company, XXXX XXXX XXXX. The process began XX/XX/2020. After submitting all required documents, we received conditional approval and were told by our processor, XXXX XXXX out of XXXX, PA that they were just waiting on subordination from our other bank. After that initial communication, they began to be unresponsive and non communicative. 

We would go through weeks that turned into months and several attempts to acquire updates, both by phone and email with no response. I would have to contact the XXXX for him to contact the processor and even with internal communication among employees, there would still be a lack of response and no updates. 

On XX/XX/2020 I contacted my other bank to check on the subordination request from XXXX and they stated they never received any request to complete a subordination. We are now on month 4, going on 5 months pretty soon with no updates or status on what is going on with our streamline refinance. I have written letters to XXXX XXXX and emailed the processors boss with no progress. 

We honestly dont know what else to do ... This process has been very frustrating to say the least.

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 2019-03-27
Company: Home Point Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PMI was not removed when it should have been. LTV had to be 78 % or lower and completing 60 months of payments to remove PMI. Requests were sent numerous times to Home Point Financial requesting that it be removed. Finally a response was given on XX/XX/18 stating that LTV was at 68.1 percent and 70 payments had been made so PMI would be removed within 7 business days. We requested back pay for the previous 10 months that were wrongfully charged. So, already 10 months had passed with PMI not removed. PMI is still being taken out each month and it has not been removed. Home Point Financial is not communicating to the requests. We were told to email them and have not had any luck with responses. We want PMI removed and we demand back pay for the months that is has wrongfully been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Academy Mortgage for alternatives options to avoid foreclosure and submitted all documents back in XXXX. On XX/XX/XXXX, I was informed that my documents were under review and nothing was pending at that moment. When I called back around XX/XX/XXXX, I was then informed that a sale date has been placed on my property which states Academy Mortgage committed dual tracking but proceeding with placing a sale date while I was in active review for a loan modification. Now they are requesting more information in which I have sent them over a week ago and when calling in they are stating the opener is still reviewing the documents. It should not take over a week for someone to review documents especially given there is an upcoming foreclosure sale date. To date, I have yet to be assigned a designated point of contact which violates HBOR laws. Academy Mortgage never reached out to me to offer any assistance and have continued to violate my rights as the days progress. Now I am worried about losing my home on XX/XX/XXXX ( 3 days away! ) because they are taking their sweet time doing nothing but causing me stress when all I am trying to do is pay my payments again and not be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Army and Air Force Exchange Service
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2022-12-20
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
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:
I have notified Castle Credit Co Holdings , LLC that I was a victim of identity theft and have notified mailed them by mail numerous times. I have never received any responses from Castle Credit Co Holdings , LLC and I know they received my documents as I mailed them through XXXX XXXX XXXX Certified Mail with Return Receipt request and was signed for. I reported the Identity Theft, as requested by law enforcement, through the Federal Trade Commission, Identity Theft Report Number : XXXX, on XX/XX/XXXX and mailed them a copy of it. I have still not received any documentations that I requested about this fraudulent account which was reported to the major credit bureaus and was how I found out about the fraud accounts. I recently contacted an attorney to ask questions on why Castle Credit Co Holdings , LLC would not respond to me, and he said there probably most likely is a lien on your home and he was right. Today, XX/XX/XXXX, I did search the XXXX XXXX XXXXXXXX XXXX XXXX website as I own an investment property in Tennessee but reside in Illinois. The XXXXXXXX XXXX XXXX dated XX/XX/XXXX, states that this is a {$15000.00} XXXX XXXX XXXX XXXX I did not authorize nor have anyone install anything at that home nor is anyone allowed to alter anything at the property I own. This is a fraudulent XXXXXXXX XXXX and Castle Credit Co Holdings , LLC was notified by mail before the filing of this XXXX XXXX  Statement and/or Lien on XXXX investment property.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from 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 2020-02-06
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was surprised to see when I looked at my report to see a late reporting for the month XX/XX/2019. I am not sure how this happened I believer I made my payment when I get my bill.MY only thought is that my statement did not get to me.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Investigation took more than 30 days

Complaint:
IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY BANK OF AMERICA.  THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.

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 2022-12-20
Company: EQUIFAX, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, 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:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self credit builder account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To Whom it May Concern : I am writing this letter because I would like to make a complaint against TransUnion LLC. I am trying to determine who verified a bankruptcy on my credit report to TransUnion on XX/XX/2020 and asked them 4 questions : 1. The original creditor 2. The address and telephone number of the person/company that verified this bankruptcy 3. The person 's name they verified the information with 4. The documentation that was used to verify this information. 

TransUnion responded and basically told me that the investigation results and disputed items were verified as accurate. I made it very clear in my first letter to TransUnion LLC that I was not disputing the bankruptcy. I wanted to know WHO they verified this information with and WHEN. WHAT AGENCY reported this to them! They basically told me to contact the bankruptcy court and ask them. 

On XXXX XXXX, 2020, I sent TransUnion another letter stating thank you for the results but this is no where near what I was asking for. I repeated my request, made it known I WAS NOT disputing the information and asked AGAIN who they spoke with and when, and what company or agency did they verify this information with. TransUnion LLC responded back to me on XXXX XXXX, 2020, and provided the same letter to me that was not answering the question.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-06-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning of XX/XX/2020 I recieved a letter from my mortgage company stating my forced property insurance would renew XX/XX/2020. I made a payment on XXXX which cleared the escrow balance for the forced insurance bringing the escrow balance to XXXX. I also obtained my own homeowners with XXXX XXXX on XX/XX/20 which was promptly sent to PHH/Ocwen. Phh has verified receipt of the above document and yet is charging {$140.00} a month for an escrow account at XXXX balance. Phh has informed me as the mortgage company they have the right to tell me how my insurance will be paid and by whom being myself or them. I have paid my own homeowners insurance and do not care if PHH keeps the escrow account open only that they stop billing and attempting to intimidate me to pay for forced insurance I currently do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraud accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. 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 following report included this language but Experian 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 emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts 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 explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to access my account. In the past, every time I tried to log in, they would tell me my password was wrong. It was not wrong. So I would ask for a new password and that would get me logged for one time. Subsequent attempts to log in met with the same problem. Now, their site is freezing. Also, I have received no letters in the mail regarding my account. This is unacceptable. I need access to my account in order to budget for my payment and, more importantly, keep track of my payments and my remaining balance.

Company response to consumer: Closed with explanation