BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Amerihome and it was sold to XXXX XXXX on XX/XX/XXXX. After confirming the amount of my escrow transfer with XXXX XXXX, I noticed a discrepancy. After reviewing the Annual Escrow Account Disclosure Statement from Amerihome, I noticed that Amerihome took FHA MIP, which is {$190.00} a month, twice in XX/XX/XXXX. I have called Amerihome at least 5 times regarding getting {$190.00} refunded to me and I am told it is not possible or that I need to call XXXX XXXX to ask for the refund. This FHA MIP was taken out by Amerihome ( before the loan was sold ) so it is their responsibility. Also, each time I call, I ask to speak to a supervisor, and I am told that a supervisor will call me in 3-5 business days and I do not receive any call backs. I need help getting this money refunded back to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Self Financial 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: Account information incorrect

Complaint:
I opened this account in early XXXX and closed and paid this account in XXXX/XX/XX/2019. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except XXXX. I reached out to XXXX filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX XXXX said the documents were verified Accurate. I find out today, the last time Self Lender reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with Self Lender was on XX/XX/XXXX. Since then there has been no luck, and XXXX should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Back in XXXX I was victim of identity theft I file a police report and place a fraud alert on all 3 credit bureaus. The account in question is XXXX XXXX XXXX signature loan. It was deleted from XXXX  and XXXX  rightfully so but for some strange reasons Transunion never deleted the account in question. I have no knowledge of the account XXXX XXXX XXXX signature loan it doesnt belong 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 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Restoration Account Privileges Customer was advised by BoA to close her account when she reported fraudulent activity reported above. All BoA accounts were affected since they were ( and are ) all linked. At the financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, customer was advised to close and re-open account for security purposes. Customer enquired about the implications of closing and re-opening the accounts, to ensure that the old account privileges were/are transferable to the new account. BoA responded in the affirmative and assured customer that account privileges would be preserved and transferred to the new account after a couple of days. Customer was advised to return to the financial center or call the customer service number and the privileges would be restored. BoA has not honored this assurance, and customer still awaits in dismay. Please review details on account notes, from XX/XX/19 when account was closed and re-opened, and the phone conversations with multiple BoA representatives on XX/XX/19 from XXXX XXXX -XXXX XXXX, including XXXX of Texas, who again on the call noted that the privileges could be restored, but later changed her mind after putting me on a brief hold, for a consultation off line.

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 2018-08-07
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have two accounts in collections with this company. Every day, they call me no less than 3 times on my cell phone which I have not consented to receiving these calls. Most times, they ghost their number. 

Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$52.00} Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$100.00} I have written them 3x to validate this debt was owed since my insurance company and XXXX XXXX spending show payment in full. All letters have never been responded to. 

I will never deny payment to any person or company that I owe. However, my records do not show where all but less than {$200.00} was paid to XXXX XXXX XXXX. I am now using the CFPB to monitor that I am making a new and final request for debt validation. If not received, these accounts are legally to be deleted from my credit report. 

I request that you cease and desist from all telephone call attempts and communicate with me solely by mail going forward.

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 2020-02-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I settled a balance with AMEX back in XX/XX/2019. I was NEVER informed that there would be a 1099-c with  tax consequences as a result. I would have never gone through with this settlement had this been disclosed to me and I would have preferred to make payments to pay entire balance. I need my entire tax return for my medical treatment. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
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 XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and Experian. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.

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 2020-01-27
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car at Carmax XX/XX/2017 and it was financed with Carmax finance. 
From the start there was a problem with the car. I tried to get it in to the dealer before the 30 day warranty was up and at first they kept stone walling me until I showed up with the car and left it with them. Eventually they fixed it -- supposidly. 
I called again and again complaining it still had the same problem and they were stonewalling me from bring in the car under the warranty they sold me. When I finally got the car in they test drove it and then had me in the car asking if a certain sound was what I was talking about and I said yes. The mechanic said it was supposed to make that kind of noice. So at that point I accepted if for the time being I left. 
However, in the meantime I kept calling and calling to to speak with the automotive repair part of the dealership and the person answering the phone kept hanging up on me further stonewalling me. 
Eventually I cancelled the extended warranty since I was unable to use it. 
I only drove the car to the grocery store, church and a doctors appointment so I didnt put on many miles on it and had it for way less than 2 years. 
Eventually the transmission gave way and Carmax said they dont do transmissions so I took it to XXXX and it would have been {$4500.00} for me to fix it and since I didnt have the warranty any long I couldnt use it but then again it didnt cover transmissions. 
I asked Carmax Finance to extend credit to get the car fixed even though the car fell under the lemon law and I called in 10-15 times trying to resolve problem that but couldnt. I told them that I still wanted it and they wanted money therefore it would be in there best interest to help me. They said they wouldnt do anything even with all the problems over time so I told them to come and get the car. My telephone number at the time was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, Transunion and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.

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 2017-06-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I believe that I am part of the Wells Fargo Insurance scam that took place for many years. I had an auto loan through them and I can remember them MAKING me get insurance through them without my knowledge and forcing addition payments on me that I couldn't afford. Thus leading to an eventuall repossession on an impound that they wouldn't help me get out.

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 2017-06-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Because of an illness, I recently contacted  Navient on  or around   XXXX   XXXX   XXXX     to defer my student loans until I regained my health. During that phone call, without my knowledge,  Navient tra nsferred me to a third-party company. Somehow this third-party company gained access to my personal and financial records without my consent. Soon after, this third-party company fraudulently took out funds from my bank account, which required me to submit a claim to the bank and change my account information. I called  Navient on n umerous occasions in order to inquire about this problem and each time was told a supervisor would call me back. However, no one ever did. Finally, on   XXXX   XXXX   XXXX    , I called  Navient to co mplain about the fact that no supervisor ever got back to me. The next day I received a call from   XXXX   XXXX  , a lawyer who represents  Navient. Duri ng that phone call,   XXXX   XXXX   discussed my complaints in a belligerent manner. He also questioned the legitimacy of my and my son 's answers to his inquires. He told me that he would verify my statements with the company 's phone records, but then, a few days later, he told me that he could only access records as far back as   XXXX   XXXX   XXXX    , which is well after the date in which the fraud took place. At the end of our conversation, he told me that the burden of proof fell on me. I would like to know how my personal financial records ended up with a third-party company and whether or not I should take legal steps agai nst Navient for t heir actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Clearview Resolution Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has made calls to myself, my wife, my daughter, and coworkers about alleged debt. The company representative told coworker that a summons was being issued to my place of employment and I or a manager needed to be there. I called the number given to ask about the debt and to request that my employer nor anyone but myself be contacted regarding the debt and representative said their office doesnt make the calls and he had no way of stopping calls. I wish to request for them not to contact me but they will not give me a way to do so. They threaten serving me but will not honor request to stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Me ( XXXX XXXX ) and my wife ( XXXX   XXXX ) are joint holders of a personal checking account at BoA ( XXXX ) and also a business checking account in XXXX XXXX and XXXX. 

Here is the chronology of events - Date XX/XX/XXXX - Check No.  XXXX for the amt of {$3000.00} made out to 'XXXX XXXX ' who is the joint owner of the account XXXX, a BOA personal checking account, was deposited into our XXXX business account using chase mobile app. 

The txn got processed without any issues and XXXX credited out account for {$3000.00}. The physical check was safely put in the safe box. 

Date ( s ) XX/XX/XXXX - XX/XX/XXXX - We closed on a new house and moved to the new house. Engaged several vendors including Movers, Cleaners, Plumbers etc to fix both the new and old houses. 

Date XX/XX/XXXX - The physical check XXXX was stolen and got fraudulently cashed out by some one by depositing it at XXXX XXXX. 

Date XX/XX/XXXX - I made a compliant to BoA. We saw the amt credited back on XX/XX/XXXX Date XX/XX/XXXX - XXXX debited our account for {$3000.00} saying it was recovered by BoA Date ( s ) XX/XX/XXXX - XX/XX/XXXX - Reported the same to BoA and called both BoA and XXXX to resolve the issue. Made multiple calls, filed and affidavit with BoA and explained the circumstances. BoA closed the case saying we didn't safeguard the physical check and we are liable for the loss. We do not agree with BoAs reasoning for closing our claim as we did took adequate precautions in safeguarding the check and it was beyond our control. 

We further feel that - BoA didn't put in place adequate safe guards in protecting our personal checking account and they let the same check to be cashed out by some one fraudulently in spite of the check having payee as my wife 'XXXX   XXXX ' with invalid endorsement. 
- They didnt do adequate job of investigating the claim in determining failure in their systems in catching double presentment/fraudulent activity. 
- Instead of reversing the fraudulent transaction from XX/XX/XXXX, they did a reversal of the genuine transaction from XX/XX/XXXX. In spite of repeated followups, BoA didnt act to track and trace the fraudulent activity from XX/XX/XXXX nor initiate recovery of funds from XXXX. 

This has caused irreparable harm and not just a individual financial loss of {$3000.00}. We have a had some of the checks got bounced in XXXX as they suddenly pulled out the money resulting in loss of trust in our business by vendors. Also, BoA put us under extreme stress by not responding/answering the questions regarding the law ( Check Act 21 ) or their terms and agreements protecting the consumers and instead they arbitrarily closed case without proper investigation and resolution.

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 2022-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax continues to NOT exercise their grave responsibility to be fair, impartial, and there was no respect for my rights to privacy as a federally protected consumer. Please see attachment.

Company response to consumer: Closed with explanation