BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is serviced by XXXX XXXX XXXX , XXXX, also known as Loancare. 

Loancare states they sent notice via mail that our escrow payments were to increase beginning inXX/XX/2019. We did not receive this notice, nor did Loancare contact me ( they may have tried to contact my wife, but I have repeatedly advised Loancare I am the primary point of contact for this account ). 

We sent our XX/XX/2019 payment in on time. However, this payment did not include the {$63.00} increase in our monthly escrow payment. We received a rather confusing notice form Loancare, where there was a claim our payment was late, but it also appeared it had been credited. 

Later in XXXX, I received notice from a credit monitoring agency that Loancare was reporting our payment as late. This is incorrect. I reached out to Loancare after receiving this notice, first by phone, then by email after being informed my wait time on hold would be more than an hour. 

I eventually called again, and spoke to a representative, who informed that, because of the difference of {$63.00}, my payment was being reported as late, and a late fee of {$100.00} was being assessed. A late fee more than 60 percent higher than the amount in dispute is, frankly, absurd on its face. I immediately paid the {$63.00} shortage, and disputed the late fee. I also arranged for a supplemental payment of {$63.00} for my XXXX bill to go out, and arranged for future mortgage payments to include the additional {$63.00} payment. 

Today, I received a terse email from Loancare stating they would not eliminate the late fee because it had previously waived a fee. 

Now, not only do I have a late fee, this has been reported to credit bureaus as a late payment, which has caused my credit rating to drop more than 70 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
This is the last word that I have for JP Morgan because I no longer work for XXXX. Also I will not talk to any women who work for JP Morgan because a XXXX there in the executive department had her phone recording up so high nothing made sense when she was talking and another lady there in the executive department transferred me anywhere with-in the bank because she did not want to answer my questions, a lady named XXXX XXXX argued with me for a month in XX/XX/2018 about a case that was closed already in XX/XX/2018 and XXXX was before her, and now you request that I speak to a XXXX ( are you crazy )! XXXX is known to be a underhanded-cut thoat company and their employees and that is why they picked J P Morgan Chase Bank. Please see all the attachments -they will show you how much funds XXXX gave you all for me, and the funds I sent personally- which adds up to be well over- balance amount of funding, and that is before I added my {$3000.00} J P Morgan owes me any credit funds $ XXXX-that are left. Have you checked the person who has been changing JP Morgan 's auto machine?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My private loan from XXXX was transferred to XXXX, then from XXXX to Navient. Where with Navient has consistently increasing my interest rate and is up 3 % from initial distribution. I do not receive any notification of the change. My loan will never get paid off at this rate and only increases. 

I have autopay with XXXX and have never paid late and had a 100 % payment on-time record. 

This is ridiculous how my interest rate is just going up instead of going down for good performance. I have had my loan changed by 3 providers so I can not get any information from the providers about the history of my loan and Navient will not provide me with a statement of my interest rate. In a year it's gone up over 1 % for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, SLS Mortgage has raised our payment by {$370.00} during COVID19. We have repeatedly asked for escrow analysis since they have made a huge mistake. We have never missed a payment, the loan was sold 4 times, and somehow they claim we are {$6000.00} short yet our taxes, insurance have barely changed. 
We also requested that they remove escrow due to the mismanagement and lack of communication, and difficulty we have getting any help about our loan and getting escrow analyzed. 
They denied escrow removal because they said we had a late payment in XX/XX/2020, however we were on forebearance for one month and we were promised that no payments would be deemed late during COVID19 Forebearence. 
I have called 5 times XXXXnd I keep getting hung up on by agents who can not answer my questions. They say they do not see the record of us being on forebearance for COVID19 and therefore the payment was deemed late. I have it in writing.

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 2020-05-27
Company: Experian Information Solutions 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$9900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$9900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020 I opened a Citi Priority checking account after multiple digital and physical mailer offers by CitiBank for a promotion of 50,000 Thank you Points. See attached. 

On XX/XX/2020 I received a letter from CitiBank that my account has been terminated from the Fraud Prevention department. See attached. 

This is the third time CitiBank has closed my account after opening. None of these times have they been able to provide a reason for closure. Fraud is an extremely serious case and the account holder is entitled to an explanation. I am willing to clear any matters related to Fraud. If another has opened an account in my name, then that is illegal and the authorities need to be involved. Nevertheless CitiBank is unwilling to resolve the matter. 

It appears I have been blacklisted by CitiBank for reasons they are unwilling to provide and I am unable to remedy. Furthermore it is highly irresponsible to send an offer to an individual only to recall it afterwards. The monies in the account have lost value and could have been used elsewhere. This has also wasted time and resources of all involved, including the Citibank and CFPB.

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 2017-09-15
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: Account information incorrect

Complaint:
I would like to file a complaint against the two credit bureaus, Transunion and XXXX for violation of the FCRA. I am a veteran who was entitled to the XXXX XXXX. I utilized my XXXX XXXX benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the XXXX XXXX informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate  negative accounts. 
I need them to remove these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by mare than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persom knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit dispute on XXXX, XXXX 2022 to transunion under the reference number XXXX, since my rights as a consumer are being violated for the collection company 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 2023-02-09
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account Number: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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Paypal Holdings, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not know who they are or where this account or fee comes from, please help me how to remove this fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XX/XX/ XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 I sent an email to Flagstar with the following message. " Good morning. I'm reaching out as I was alerted that taxes were paid out a few days ago. On XX/XX/20 I sent in the Homestead Exemption form. I received confirmation it was received, talked with someone over the phone and told it was good to go, and even received an escrow surplus refund. Was this in error, or has something changed? I'm very confused by this. '' I did not receive a response, even after sending four more emails since then, yet I do receive confirmations that my email was received. My wife has since contacted Flagstar via XXXX, which honestly that experience was a waste of time, and almost as if we're speaking with a teenager. After many emails, and many XXXX messages, and longer than a month in waiting, we received not an email with an answer, but a voicemail with absolutely no information. We no longer have trust with Flagstar, and would like a response in writing. Flagstar has communicated with us in the past regarding property taxes and such, but for some reason there is now a refusal to do so. Most recently another concern popped up. We received two letters from Flagstar, one dated XX/XX/20 and one dated XX/XX/20, both were received on XX/XX/20. One came from TX and one from MI. Flagstar refused to explain why a letter dated XX/XX/20 did not arrive to our home until XX/XX/20, as there is no postmark on the letter. The letter dated XX/XX/20 stated we owed {$500.00} and some change and it needed to be paid by XX/XX/20, yet we received the letter on XX/XX/20. With us being in IL I do not see how it would take a letter ten days to get to me. It's clear the letter was not mailed on XX/XX/20.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following consumer reporting agency is furnishing inaccurate information and accounts. Please remove the inaccurate information and accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion insists theres a fraud alert on my credit report. This is inaccurate and is preventing me from getting cell phone service from XXXX XXXX. Ive answered their security questions accurately and they still wont verify my identity. This is causing me alot of harm because of their inaccuracies.? 

Dates were XXXX/XXXX/2023

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 2021-04-12
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: Account information incorrect

Complaint:
XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late For any purpose.

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 2021-05-02
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2018-04-20
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation