BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My mother and father ( XXXX veteran ) refinanced their home mortgage around XX/XX/XXXX with a lending company called Freedom Mortgage. Initially, their monthly payment was low, but after 5 months the lending company did an escrow analysis and increased their monthly payment by around {$1000.00} / month. This drastic increase created financial hardship for my parents ; consequently, my dad reached out to Freedom Mortgage to inquire about how to bring down his monthly payment again, and they recommended another refinance. They estimated the refinance with a lower interest rate, but again they incorrectly calculated the escrow amount using incorrect tax information ( their estimate is too low ). The incorrect tax information is included in the attached Closing Disclosure which I received on XX/XX/XXXX from my father. 

After detecting the error, I proceeded to email Freedom Mortgage to revise the Closing Disclosure to reflect the accurate numbers. This is important because it creates a realistic estimate of what the monthly payment ( P & I + escrow ) to Freedom Mortgage would be. To be very clear, the inaccurate Closing Disclosure from Freedom Mortgage shows a monthly payment that is about {$900.00} LESS than what it should be if the escrow payments are correct. That is, the same issue will occur in a few months when Freedom Mortgage recalculates the escrow balance, and significantly increases the monthly payment to cover the shortfall in escrow. 

In spite of supplying accurate tax document information so that Freedom Mortgage could correct the Closing Disclosure, Freedom Mortgage REFUSED to change it until " a closing was scheduled '' and closing could be cancelled if need be after that point. This is an unacceptable approach and ultimately results in a type of bait and switch. A borrower is less likely to step away from a closing that is already scheduled than to not even schedule one if the terms are not favorable. My parents have withdrawn their loan application to Freedom Mortgage and are seeking relief elsewhere. 

Freedom Mortgage is suspected of knowingly luring borrowers into more and more refinances with initially low monthly payments, thereby increasing their loan revenue ( notice how the refinance costs and prior unpaid escrow balance are rolled into the new loan ), and then substantially increasing their escrow balances at a time when Freedom Mortgage must recoup the funds to cover the escrow deficits.

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 2018-04-04
Company: EQUIFAX, INC.
State: MO
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:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX  to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: OH
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:
Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2018-04-14
Company: EQUIFAX, INC.
State: AL
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:
This medical account should not be on my credit reports This under 180 Days please Remove Off My Equifax credit report due too hippa violation!!! 

This acct is only 1 month old!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account with {$6300.00} XX/XX/XXXXXX/XX/XXXXfor no reason on XX/XX/2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
M & T Bank did a forbearance with me for 6 months. when it ended, I sent in my monthly payment, for XXXX, they send it back stating in order for me to keep my house, it would cost me XXXX in order to keep me house. Otherwise, they would start foreclosure. 
I am XXXX, have been in my house for nearly 30 years, I don't want to lose my house. 

I need some help 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 2020-02-06
Company: EQUIFAX, INC.
State: NJ
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:
Hi CFPB, I recently found that there are certain incorrect accounts showed up on my Equifax credit report. 

All those accounts are XXXX  XXXX XXXX and showing that they are all open in XX/XX/XXXX or so. 

The truth is I never do business with XXXX  in my life and my first time Arrived in the US was XX/XX/XXXX. I had my first credit card around XX/XX/XXXX. 

I do believe I am the victim of the Equifax data breach and please kindly review that and take the right actions. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Response to complaint XXXX-XXXX  XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on 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 explanation
Consumer complaint received 2018-04-14
Company: VANGUARD FUNDING LLC
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a number of Brokerage CDs. These products are sold as certificates of deposit. However, these products trade like bonds, meaning that their price can rise or fall depending upon interest rates. 

These products should not be sold to savers or retired folk who are seeking safety and income. But they are being sold to millions of saver who are now panic selling because the price is falling because short-term rates have risen. 

Further, the bid/ask spread on CDs which only pay 2 or 2.5 percent typically have a spread of 1 or 2 percent. This is outrageous.

The bottom line is that these products are sold as certificates of deposit, but they resemble nothing of what most people know to be a CD. This practice needs to be eliminated. A CD should not trade like a bond - most buyers are not interested in seeing their assumed safe investment pulsate in value with the markets. If they wanted that they would invest in stocks. Something needs to be done about this.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: OH
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 have a Home Equity Line of Credit with a {$0.00} balance at XXXX XXXX. On XX/XX/2020, a representative from XXXX XXXX ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from XXXX. 

On XX/XX/XXXX, I called XXXX customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to Equifax. This was done without my authorization. No one from XXXX has contacted me since these events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.

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 2019-02-18
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This happened mid XX/XX/ 2018. I either made a payment or Citi auto drafted a payment, something was miscommunicated with XXXX XXXX XXXX  and the payment returned. Citi automatically redrafted the payment and apparently XXXX XXXX XXXX rejected. I woke up to an email that said Citi shut down my account without any notice at all. They didnt give me the opportunity to clear it up even though it was all on them and their communication with XXXX XXXX XXXX. I used this card for absolutely everything it was my only card that had any sort of real limit and has put an incredible amount of stress on my family and I, this was 2 weeks before my son was 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 2020-02-06
Company: Experian Information Solutions Inc.
State: NV
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 isn't my account. Please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
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:
there are accounts and inquiries on my credit profile that I have no knowledge of.

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 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I learned on XX/XX/25 that my home computer had become compromised with viruses. Shortly after, I had someone access me Bank of America account and make a series of fraudulent transactions, including using the XXXX service to send themselves cash. I filed a claim with BOA that day and froze the account. After BOA performed their investigation, which took the full 10 days ( any longer and they are forced to issue a temporary credit ), their analyst decided there was no fraud and denied my claim. We have lost over XXXX dollars from this cyber theft. They have not offered any support, have not contacted us during their investigation, and offered no info as to why they denied the claim. They also took zero proactive measures to protect me during this time. I had to address every fraudulent transaction as it happened. I have been a customer of theirs for over 14 years and I am disgusted that they are not willing to do right by us.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX  XX/XX/19 shows an inquiries in which on XX/XX/19 I did not apply or request credit or anything from XXXX XXXX. There should be no inquiries been I not applied for any credit increase or a new card. Provide documents where I applied or requested credit from 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 2021-04-07
Company: EQUIFAX, INC.
State: NC
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:
Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX | XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Social Finance, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Welcome bonus terms -- 1 purchase by XX/XX/21 -- were met the but bonus ( XXXX rewards points ) has not been issued. The issue has been escalated to specialists multiple times with no resolve ( the latest ticket has had no updates in over a month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Telsa Motors Inc
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
tesla finance approved my lease transfer from original owner on XX/XX/20, i have been making lease payments since then and they lost my paper work to send to DMV to register the car - they are not finding a resolution for the problem and when i call once a week to talk to a manger they keep saying no one is avail and will call me back. i can not drive the car due to this and i have to still make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Creditors Specialty Service Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collector has called me and my family multiple times between XX/XX/XXXX and XX/XX/XXXX to attempt to collect {$840.00} for their client or their client was going to sue me for over {$2000.00}. 

This is stemming from a supposed auto withdraw I had set up with their client for {$60.00} every other week. They claim that last time they received a payment was XXXX. There has been no communication with me previous to this recent call barrage about owing this debt. They would not give me any details about the debt except the parent company 's name. The only arrangement I had like this was not with this company and satisfied some years ago. I also called the company, that I had this sort of arrangement with, on XXXX to validate that I owed nothing. 

When speaking with them today, I told them they either had the wrong person or this was just bogus. The representative I spoke with gave me the last 4 digits of my SS # but I would not validate that so she disconnected the call.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.

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