BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: DISCOVER BANK
State: WA
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 XX/XX/2018 I sent proof that my account had been paid in full before a judgement was taken against me. They have done nothing so I called back today and was told they found the proof I sent but they needed to research some more since they dont know where the money was because it wasnt put towards my account. Said to call back again the next business day. This issue is effecting my ability to get a real estate loan that is in process currently and is delaying me closing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was supposed to be in forbearance until XX/XX/2020. A payment of {$210.00} was drafted out of my account on XX/XX/2020. My previous payment were only {$50.00} a month before this forbearance. Too much was taken too soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: TX
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 and Equifax were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. Equifax and XXXX   continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Peoples Commerce Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 a account was open fraudulently the amount owed is {$2400.00} action that was taken was them adding this to my report i wish to have this blocked and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am submitting the second complaint to CFPB since I am not satisfied with the Bank of America responded to my complaint XXXX. I found it partial and not convincing. 

First the XXXX representative was neglected to answer for my first question : If my application is clear reject why I received a message about gather more information instead of giving the honest answer right away? I understand that XXXX has 30 days to review an application. However, my case was entirely clear right away. 

Next. In response to my first complaint, XXXX representative told that online advertising is not targeted and preapproved offer. Agree. However, it is CUSTOMIZED OFFER ; it is presented as : ( my name ) we recommend you this limited time offer! I believe - this is a misleading advertisement, that can be understood by an average person as meaningful and pre-screened personal OFFER to me ( since I being called by my name ). 
In contrast to other banks, on this offer pages do not appears bank requirements to applicant credit potential ( good credit, average credit, etc. ). Even the statement subject to credit approval does not appear here. All of this causes a false illusion of pre-approved offer.

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 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX is reporting fraud for a bank of america account bank of america closed there was no fraud

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 2018-08-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My elderly father and his wife have health issues and are no longer able to manage there financial affairs.

I went to BBVA Compass on XX/XX/XXXX with him so i could also be assigned to his checking account. Once i looked at his account, i noticed a monthly charge of approx {$80.00}. on XX/XX/XXXX I inquired about this and BBVA said they have overdraft protection and they owe {$1900.00}. I also asked how much interest BBVA charges and they said it's 21 % APR.

I asked my parents and they had no idea they 1 ) owed {$1900.00} ( no where on their bill does it show this outstanding balance and 2 ) they have no idea they were paying 21 % which seems to be a hefty and unnecessary charge.

After going into a Compass Bank branch in XXXX on XX/XX/XXXX @ XXXX to ask about waiving the finance charge, the teller said i had to call. after more than an hour explaining my plight, they said they were unable to rectify my problem without first paying the entire {$1900.00} so they could close the account. I reiterated my problem wasn't with paying the principle but the interest. They said they could connect me to my branch and they can take care of it. I was transferred to XXXX XXXX XXXX XXXX TX XXXX location and they told me i must come in to their branch ( which is over 45 minutes away ).

They have been charged {$540.00} in interest in XX/XX/XXXX and {$260.00} in XX/XX/XXXX. I only want the interest charge waived and I will pay the principle. My parents have been getting charged by BBVA for over 10 years @ 21 % interest without knowing and dare i say, being told they are being charged this high of an interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24
Company: AMERICAN EXPRESS COMPANY
State: PR
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:
My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted American Express and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what American Express has done to be unethical and inappropriate ; and I want this reporting removed off my personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
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: Personal information incorrect

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( 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 non-monetary relief
Consumer complaint received 2018-11-09
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: Personal information incorrect

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Early Warning Services, LLC
State: MN
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:
Early Warning Services is reporting fraudulent and inaccurate information on my consumer report. All of the fraudulent checking account and credit inquiries listed on my Early Warning Services Consumer Report is fraudulent accounts and inquiries, and inaccurate information. The fraudulent checking accounts or credit inquiries are not mine. I should have a clear consumer report with Early Warning Services. I have never applied for or had a checking account in my name. Early Warning Services has been reporting the fraudulent checking accounts and credit inquiries for over 10 years. Early Warning Services is in complete violation of the Fair Credit Reporting Act ( FCRA ) and I am requesting for the Consumer Financial Protection Bureau to investigate Early Warning Services and shut this consumer reporting agency down. Early Warning Services has been violating the Fair Credit Reporting Act for over 10 years listing and reporting fraudulent checking accounts and credit inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Flagstar Bank, N.A.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Flagstar Bank existing morgage was refinanced to a new Flagstar Bank mortgage. 
Existing mortage had {$2700.00} in the escrow account at the time of closing on XXXX XXXX, 2020. 

We were told early on in the refinance process that the escrow balance could not be transferred to the new loan 's escrow account, it would be refunded to us and we would pay a new escrow amount as part of our closing costs. 

At the time of closing, we expected to receive the {$2700.00} refund check. 

On XX/XX/2020 a 'refund check ' for {$89.00} for 'escrow surplus ' far below the amount we were expecting. 

Upon review of the old mortgage activity, there is notation of 'payment to escrow ' in XXXX of ( negative ) - {$2300.00}. 

Upon further closer review of closing documents we signed on XX/XX/2020 there is no mention of any credit of escrow account balance anywhere. 

On XX/XX/XXXX, I spoke with representative from Flagstar who tried to explain that the amount was credited in the closing, but when I told her there was no mention of it in the closing documents, she referred me to the closing agent. at XXXX  XXXX. 

I contacted XXXX  XXXX, who told me that they would have had to have received the amount for the credit from Flagstar in order to include it in the closing, which they did not. She stated that she would then contact the Flagstar lending agent for more information and respond back to me via phone. 

All-in-all, there is no explanation of what happened to the remainder of the escrow balance in the old mortgage, Flagstar 's explanation of it being included in the closing is not valid, the closing documents mention nothing about it, and the mortgage settlement agent has no record of it. 

Flagstar 's account activity records that I can see via my customer portal are very confusing and do not match up to the amounts that the Flagstar representative I spoke with on the phone was quoting me. Their staff are unprofessional, and seem to want to pass the buck to their settlement agent company. Flagstar has been difficult to deal with through the whole process, passing us through numerous people, not getting back with us timely, having us sign documents numerous times to get the refinance process progessing.

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 2018-02-23
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to Quicken Loans for a Refi. In XXXX. The Loan officer said we will piggy back the Previous Loan. I said Great .To get to the XXXX, In XXXX I made my Monthly Payment to Quicken Loans for XXXX on or about the XXXX or so. Around the XXXX XXXX when I get my SS check. In XXXX I did the Same thing on the XXXX XXXX. I sent in another XXXX for the Month of XXXX., The Problem is I closed my Loan on XX/XX/XXXX and the new Loan doesn't take effect till XXXX XXXX .I have a Letter and Emails saying overages will be refunded after Closing with in two weeks. They are refusing to send my Overage back saying the Put it on the Closing of the Last Loan. If so I wasn't told and I feel they Stole my XXXX. I want my Money back. I am a XXXX Veteran and they should not be taking advantage of those of us unable to travel to Michigan to fight them. I have never been Late with a Payment to them and always on time. My penalty here is Paying these Crooks Early for a Loan that was closed out. My new Payment isnt due tol XXXX XXXX at the new Rate. They took so Long doing my Loan I had asked for The New Rate and they could only say It would cost me more to have it but could not and would not tell me How Much it would cost. So I lost Money by them refusing to give me the lowest Int. on my loan be cause of being Lazy and uneducated to do so .I am very upset with the Lame excuses I am getting and All their Phone calls are Taped and logged .They of course refuse to give them to me as I have called at Least three time asking for my Money returned and was told in two or three weeks. Someone has taken it and I need it back as anyone else would. This Prolonging and obstruction isnt doing me any good after just having XXXX XXXX. If you can help Thank you. If not please advise who I can contact for help. Thank you for your time. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX XXXX C XXXX H This is Quicken Loans out of XXXX Michigan who is trying to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied to Lakeview for a 90-day forbearance back in XXXX, when COVID hit, and were approved. I've tried for the last 60 days to extend the forbearance, as they suggested through numerous emails to me and letters in the mail. I've called them three times and get confirmation numbers about my application each time ( here are two : # XXXX and # XXXX ). I've emailed them from their website numerous times. Can't reach an actual human on their phone tree. I have left a voicemail one time. 

My forbearance runs out XX/XX/. 

Need help reaching this large mortgage company. My loan number through Lakeview is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH 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 2018-08-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Annual Escrow Analysis was performed on XX/XX/2018. 

As usual, I request RE-EVALUATION to REMOVE TWO MONTH DEFAULT. 

it's a painful process which i have to request every year .... 

Penny Mac automatically increase my payment every year. 
every year i need to call and request them to remove additional funds in the escrow and keep my payment AS IS ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXXXXXX never late XXXX XXXXXXXX XXXX never late XXXX XXXXXXXX never late/paid in full XXXX XXXX XXXXXXXX not mine XXXX XXXX never late XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XXXX {$370.00} not mine XXXXXXXX XXXX  XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XXXX XXXX 2018, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX failed to cancel my policy when asked. Out of nowhere this debt is listed on my credit without any written notification. How can XXXX XXXX XXXX  report a collection on someone's credit when this is not a financed account?

Company response to consumer: Closed with explanation