BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan was offered for interest rate reduction. We took it. 
Noticed that payment did go up just a little at first but were told not to worry because it was our escrow that made it go up. 
I discovered accounting errors in how the escrow was handled ; IE during the refinance in XX/XX/201, a little over XXXX was added to the loan refinance. I thought why so high? I continued to dig around and discovered the XXXX was for escrow. In an email the female who offered the XXXX said that they, Veterans United were paying the closing costs ALL OF THEM. Alright, so where did the money go? 

No one can tell me. I had to request documents from Veterans United dba Mortgage Research Center, closing documents from the Title Company, letters, bank statements to reconcile this mess myself. 

Veterans United mishandled our escrow- missing {$3100.00} Veterans United misplaced, " lost or stole '' 1 mortgage payment ; based on their own numbers, {$1800.00} Veterans United violated the law by charging fees during a pandemic when they already had the paperwork asking for hardship due to spouse being furloughed starting XX/XX/XXXX. They cited in a phone call how sorry they were and the money was to be returned. That was false. No monies have been returned and as a matter of fact the couple of times we were late VU charged 3 times amount of fees that was legal. Total= {$1900.00} VU charged NSF during the pandemic when we didn't make payments starting XX/XX/XXXX. I am unsure how a business can charge NSF when no XXXX payment was made. EXPLAIN THAT. Then they charged not {$25.00} but {$250.00} in fees. 

The company then sold our loan to XXXX XXXX. That is how they responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I received a letter from chase bank on XX/XX/XXXX, which forcibly closed my checking account and savings account, as well as all my credit cards. I called the customer service to ask the reason, but they did not give me any explanation. Just say that it is written in the contract that the bank can close your account at any time. For me, I have not done any illegal operations. I have accumulated credit cards for many years. They closed them as soon as they said they closed them. I also paid on time. I know what caused it Closed my account. I also have a company in chase bank. I write a check from the company to me personally. This is the company 's salary. I don't know why it closed me, and I didn't say anything in advance, so I want to complain to chase bank. The credit accumulated over the years will be destroyed, please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Case No:XXXX-XXXX,on XX/XX/XXXX and XX/XX/XXXX,I XXXX XXXX XXXX received my XXXX from Social Security Administration my Deposit of:$XXXX Deposit from JP Morgan Chase XXXX XXXX XXXX said it was an Invalid account number but Social Security Administration don't make mistakes like this ofXXXX:XXXX:XXXX:XXXX.Account Ending in:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}

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 non-monetary relief
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have XXXX restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.

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 2018-04-27
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX is reporting fraudulent accounts to early warning services which is preventing me from opening any accounts with other banks. I was a victim of ID theft. XXXX XXXX XXXX has not provided any documentation with my signature showing that I open the accounts with their bank. I have submitted my ID theft form to early warning services for these charges that I am unaware of and did not authorize. Early warning services is still reporting the inaccurate information on my consumer reports. Per law all fraudulent information must be blocked within 4 business days after receiving proper documentation, that has not been done. I am aware of my consumer rights this is ruing my approval chances with other banks. I have contacted a consumer lawyer regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Flagstar Bank in XX/XX/XXXX. My homeowners insurance was renewed in XX/XX/XXXX with the same company ( XXXX XXXX ) that I have used and paid from escrow for 5+ years. In XXXX, Flagstar charged my escrow {$2600.00} for " Lender-Placed Insurance '' even though I already had homeowner 's insurance that meets their requirements. They did not call or email me before charging me this fee. If they had, I would have told them that I already have insurance. Instead, they sent me a letter on XX/XX/XXXX - 8 months later - informing me that they were charging me this fee. At no time was I aware that I had been charged previously. 

Based on the fact that ( a ) they are charging 3x the fee I currently pay for insurance ( not even obtaining a bulk discount ), ( b ) knew I had insurance from my prior lender, and ( c ) my insurance company ( XXXX XXXX ) knew that FlagStar held the mortgage, there is no conceivable reason for me to be charged this fee unless FlagStar sees the fees associated with Lender-Placed Insurance as a revenue generating stream for income. I would strongly recommend you look into their practices around this, as I received no notice before they began charging my escrow account XXXX XXXX XXXX  per year. They claim they will fix the error in 30 days, and I will be provided with a refund to my escrow, but this seems to be indicative of a larger problem with the lender that needs to be investigated to protect consumers that are not as careful at monitoring their activities. It is inconceivable to me that any company, let alone a lender, would not call, email, and send a certified letter before unilaterally imposing a $ XXXX fee, especially when it is 3x the market rate.

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 2020-10-27
Company: Experian Information Solutions Inc.
State: MI
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 sent Experian several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, I have not received a response or results from these agencies. my local law enforcement advised me to file a FTC report and send it to the 3 credit reporting agencies which I have done, but Experian have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B Experian is to block any and all fraudulent information. I will be including a copy of my FTC report which is the only documents by federal law that I am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes so this company will not close this complaint saying they do not believe this was sent by me or authorized by me. I XXXX XXXX XXXX XXXX authorize this complaint, this is my third time submitting this report to Experian and they keep closing the report without cause, saying this is not authorized by me without doing a proper investigation i have attached all the required documents ( state id, and social security card ) for identity purpose this is just more ammunition for my 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 2018-10-18
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have student loans through Navient from when I attended and graduated from XXXX University. My mother was my co-signer. In XX/XX/XXXX, my mother sadly passed away. My loans are in good standing and I have always paid on time. Navient is trying to take the full amount paid on the loans approximately {$27000.00} from my mothers Estate. I have made every attempt to continue to pay my loans. I am a survivor of XXXX  XXXX and a single mom of XXXX young boys. I recently fled my home in XXXX XXXX to come to hide in NJ from my abusive husband on XX/XX/2018. I can not afford to give them all of my mothers estate as I need it to live. I will continue to pay my loans as promised and on time. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately 3 weeks ago I received a debt collection call from Bank of America stating I was 3 months behind on my mortgage. I explained this was not possible because I am on auto draft on a pay plan XXXX which I pay double payments. They said there system upgrade malfunctioned in XXXX, {$4400.00} plus dollars of my funds were sitting in a holding account because the system did not no what to do with my funds. They stated they would move the funds back but that the system was not fixed so I would need to speak with the resolution team to fix future payments. Resolution states future payments will continue, go in the holding account and they will manually move them until the issue is fixed. My funds are still not back in my mortgage account, XXXX payments were not even withdrawn from my checking and I have reached out 8 times to no avail. I am receiving debt collection calls, which I have asked to stop but am being told because the money is not fixed yet they call before reading the notes. I need help. I need the collection calls to stop, my funds in my mortgage account and XXXX and future funds deducted as they should be and posted. Managers have promised to call but don't, my loan officer trued to escalate as well. I am concerned for my good credit if this is not resolved promptly.

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 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened up a secure card with Capital One in XXXX XXXX 2019., I had one missed payment was by complete accident in XXXX of 2019 due to a month of financial hardship due to overwhelming car repairs, I tried many and multiple ways to come into an agreement to have the missed payment removed since I paid it immediately once I was able to, I offered to do automatic scheduled payments and still was not getting any kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received 2credit cards from US Bankreliacard with my name which I never applied for 1 from Colorado and 1 from Ohio i called co.and reported both cards and were de-activated

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 2020-10-27
Company: Andrews & Cox, P.C.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to XXXX XXXX. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a XXXX dollars was made to the office of Mr. XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along

with my savings, and the two savings accounts of my XXXX  adult children. I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am making payments regularly to pay my mortgage in advance by sending in weekly or biweekly payments to pay additional principal each month. I am not doing this because I can not afford my mortgage. I am paying to pay additional funds towards my principal. 

Instead they are putting my funds in suspense, not applying my overpayment, and sending me loss mitigation. Right now with a credit of over {$780.00}, I have late fees on my account despite an overpayment. I do not understand why they are refusing to take extra money. Shouldnt I be allowed to pay more?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 non-monetary relief
Consumer complaint received 2020-08-04
Company: DriveTime
State: GA
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:
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as Drivetime and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair  Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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