BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was purchased and taken over by LoanCare , LLC I was making my full payments on time but would pay partial payments through bill pay services with my bank before the due date or 15 day grace period. 

I made a payment by bill pay {$320.00} that cleared my bank account XX/XX/XXXX for due date XXXX I made a payment by bill pay {$1200.00} that cleared my bank account XX/XX/XXXX for due date XXXX {$320.00} + {$1200.00} = {$1500.00}, total due was {$1500.00} on XXXX I made a payment by bill pay {$670.00} that cleared my bank account XX/XX/XXXX for due date XXXX I was planning to make the rest of my payment on pay day XXXX before 15 day grace period which would have been XX/XX/XXXX. 

I received a letter that stated that I had missed payments so I called on XX/XX/XXXX, I was informed that they don't accept the partial payments, only in full payments. They were willing to help me out and reverse all the payments that I made that applied to principal and apply them to my monthly payments. They agreed to reverse all 3 of the above payments that I made. I was told they were all set up and would take 7-10 business days. 

I called again on XXXX to make sure the final amount owed for XXXX was correctly applied to my XXXX payment rather than my bill pay services through my bank. I paid {$850.00} on XXXX for a total payment of {$1500.00} for my XXXX payment due XX/XX/XXXX with grace period. Amount due total for the month was {$1500.00}. I also went over the reversed payments and all the dates and amounts again and was told everything was still in the process or completed. 

I received another notification that I was still missing a payment and was in 30 days of default and may lose my home to foreclosure. 

I called again XXXX they informed me I was still missing {$320.00} towards my payments and that they would set up the {$320.00} again for reversal from principal to apply to payment. 

In the mean time they reported to the Credit Bureau that I did not make my mortgage payment and it dropped my credit score by almost 120 points. I made every step to correct this back in XXXX and there should have been no reason why they should have reported it to the Credit Bureau. They assured me several times that all payments were going to be reversed and correctly applied to my payments and that there would be no late payment and my account would be in good standing.

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 2019-08-13
Company: NPAS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I went for out patient XXXX lasting about 7 hours and went home. 

XXXX XXXX Hospital over charged Medicare by 300 %. Medicare & XXXX XXXX XXXX paid total of {$27000.00} of the $ 100,000+ invoices. 

I was sent a bill for {$1500.00} for uncovered and unauthorized items. I demand an invoice twice for exactly what the charges were. 

They failed to deliver any justified and Sent me to collection. They are causing me a XXXX year old on SS financial damages.

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 2020-05-18
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX series boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX EST ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone.

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall Attached/included, please find : 1. The signed loan agreement 2. E-mails

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to fight Wells Fargo to resolve this issue to fix my mortgage and to save my house. Every time I try to get an adjustment from the bank they decline it every time. I went into bankruptcy so that they can stop trying to sell the house while I try to save it. I 'm doing everything I can to save my house. Payments are being made and I 'm requesting adjustments every time I can even if they decline everyone. I ca n't sleep because of this issue, they just do n't want to do anything to help me. They just want to sell my home without trying to help me resolve this issue.

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 2020-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on time with this account every month and I had a automatic payment set up from my bank but there was a small charge of XXXX dollars and automatic payment did not cover it for the months they claim I was late even I paid the original payment amount on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: FL
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 XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 plus days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: FL
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 was trying to get my free credit reports from the 3 main agencies. Equifax, XXXX, and XXXX. All three had incorrect security questions, one on XXXX and 2 on XXXX but I was still able to access them and they had nothing of concern on the reports. However, Equifax had all security questions wrong and I was unable to access my report which I am entitled to. I am very concerned that I might be the victim of identity theft due to the incorrect questions they asked. I called 4 times to dispute, was transferred twice only to get disconnected and the XXXX live agents I got refused to help me unless I paid for the report. I refused to pay for it as I am entitled to the free report, but if I am a victim of identity theft I can't wait for the 2 to 4 weeks in snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: NV
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: FL
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 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 XXXXXXXX

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 2020-05-18
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage on XX/XX/20, it also auto drafted from XX/XX/20. So I was charged twice. I called my mortgage company to inform them of the error, they confirmed that two payments were made both my manual and the auto draft. The representative told me not to worry and that they will do further investigation and someone will contact me back. I did not receive a return call or any type of notice until I received my mortgage bill stating that I owed for both XXXX and XXXX. Instead of refunding the auto drafted payment in XXXX, they refunded them both, and failed to provide notice any action was taken. 
They reported to the credit bureaus that I missed the payment although I did not miss that payment. I called them again to inform them that I was not 30 days late and explained the situation to the representative. They saw the error in there system where I was charged twice and that they refunded both payments instead of one, and they agreed to wave the late fee. Once they waved the late fee, I paid the amount due in full. I was informed that I had to send an email to dispute the credit reporting which I sent an email on XX/XX/XXXX explaining the situation. I did not receive anything until XX/XX/XXXX, a generic letter stating that they are right and their decision to report stands. 

If they had only refunded one payment this would not have happened or if the would have informed me what was being done in regards to the payment, this could have been avoided. This is unfair, and a violation of the FCRA. This is an error on their end. I should not be punished, and my credit should not have to suffer for their mistake.

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 2021-08-10
Company: Advanced Collections, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Upgrade, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2021 Received a letter stating that I was approved for a loan up to {$20000.00} for Debt Consolidation due to my recent improvement in my credit rating. I applied for {$14000.00}, My total debt! These CO 's will usually respond with a much lower amount with an ever higher interest rate, which is unusable! 
So my complaint is that they turned me down completely. Now, this might be because I stated my income as much lower than I have in the past depending on the site and in which questions they ask about rent/income sources. I thought that this site would ask me if I Rent vs paying my Mortgage, so if they do I go with the lower number and try to state ( if I can ) that I receive XXXX  XXXX which comes to XXXX XXXX/year. The problem always is, is that they ask you for your Income first, then if they do, they'll ask you about rent payments, etc. 
So my real complaint is ( and not just for myself now, but for others as well ) there really just 'Data collection Co 's '' who turn around and sell your personal information. 
Thank You for your Patience and Your Service and please Stay Safe! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: GFS II, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Was set up on auto pay biweekly for {$180.00} for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Payments were not withdrawn. In XX/XX/XXXX I paid past payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Originally Submitted to the CFPB on XX/XX/2020 case # XXXX Experian 's response was wrong, a stall tactic and against the FCRA. I want my needs met, I am re submitting this to you about my name and address and previous addresses to be corrected see letter attached

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 2017-12-15
Company: EQUIFAX, INC.
State: NV
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:
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus XXXX and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX  responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX  entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to Experian and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.

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 2020-12-08
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I done a refinance on my home mortgage with Cross Country Mortgage, It started normal as i filled out an application over the phone with my loan officer XXXX. Upon approval XXXX told me everything looked good and not to make any payments to my mortgage company that we would be closing by then. He said " Worst case there will be a {$39.00} late fee that we will take care of ''. A month later after not hearing a word from them I get a call to do an appraisal which was done. Several weeks later I get an email from XXXX XXXX where my mortgage company put me as late dropping my credit score 50 points. I started calling and leaving voicemail after voicemail after voicemail. Finally I get XXXX on the phone who says he meant to call me and tell me to make my payment but he is going through a XXXX XXXX and it slipped his mind. So several weeks later its finally time for closing and the closing attorney has no paper work on the day of closing. Then she finally got the paper work and it was wrong so she came back 2 days later to close. I noticed on the first paper work the charged me almost {$1400.00} for a late closing when it was late due to them. So i called and they credited me the {$1400.00} so they said. My loan closed and the sold my mortgage and when i got my statement they still charged me the {$1400.00}. Now im back to leaving voicemails to a company that doesnt even own my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Im a victim of a fraud. An unauthorized transaction made in XXXX XXXX account using all my informations. Charged notice in my bank account of {$450.00} on XX/XX/2018. XXXX XXXX stated transaction was valid. Its not true, my informations in my account in XXXX XXXX was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I've been dealing with this situation since XXXX. I had an issue with credit card company that was compromised by a hacker trying to take our information. Tried numerous times to work through the company 's automated system to get to a live person, but it was exasperating and time consuming. Initially, I was able to dispute numerous charges on our card, and the service was good. A local rep of the company, a different division, was able to verify the checking, savings and investment accounts that were opened in our name were cancelled. A truly frustrating thing is that one division is unable to contact another division and help work through concerns ; calls had to be made to the banking institution and separately to the investment division. After that I was able to cancel the credit card on XXXX. Today I was notified that there is a balance on the card. I wanted to verify the charges were mine. I phoned four times and was cut off or hung up on each time. I finally was connected to someone who was able to verify the information. We were disconnected ( the service rep could not hear me but I could hear her ). She hung up because she couldn't talk to me. We were discussing how the balance would be paid. 
. 
I feel the service of this company needs to be improved. It's much too frustrating to work with a company that makes it so difficult to communicate concerns. 
.

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