BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
" I am submitting another complaint because I could not upload all the documents ''. 

This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX. 

ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )

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 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to XXXX  and Transunion on XX/XX/XXXX but that is like my 4th-5th letter that was sent to them about these inquiries on my report.. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted XXXX/Transunion on multiple occasions through phone and letters. The original creditor sent notice to XXXX  about this being removed from my report because I never authorized this. but it still remains on the report. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. How can you say these inquiries are verified as true and they are fraud but XXXX  sent a letter saying the inquiries were verified. Apparently they are not doing your job the right way. XXXX XXXX XXXX was deleted from my XXXX  Account because of these reasons. This inaccurate and fraud information. Both creditors were contacted and they told me they dont send letters out to consumers, they communicate with the Bureaus to inform them of whats going on. I was told by both creditors that they in fact contacted XXXX to let them know that this was fraud and should be removed. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-05-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, EXPERIAN AND XXXX  ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED 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 2019-05-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX at XXXX I contacted Chase to report my card stolen. It was a bit unusual as the entire system is automated for a lost card. I navigated through the system, confirmed the last charges on the card were accurate and then was told replacement cards would be sent out via mail and I should receive them in a few days. The number I used to contact Chase was XXXX XXXX XXXX XXXX. I went out of town last week and returned yesterday. Unfortunately the new cards had not been sent. Upon calling Chase this morning I found out that they had not cancelled the account and had no record of my call to the automated system. I requested that this should be looked into further as the system appears to not have worked, leaving myself and my credit score unprotected for 13 days. I'm not expecting payment, just the assurance that the bank is actually protecting my information and credit with due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: LA
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've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management. 
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: LA
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've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX  REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED

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 2017-03-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Consumer Finance Financial Protection Bureau Re : Fraudulent handling of escrow funds complaint : Ocwen Home Loan LLC Act XXXX Dear Sir or Madam, On XXXX XXXX, I received a letter from Ocwen Home Loan LLC Insurance department advising XXXX had canceled my policy and their intention of imposing lender-placed insurance. I contacted XXXX who advised they did cancel the policy for NON-PAYMENT. 
Upon learning of the non-payment, I checked my online Ocwen mortgage loan account records to find Ocwen reports they paid XXXX {$3700.00} out of my escrow account on XXXX XXXX for a policy good thru XXXX XXXX, XXXX. ( copy attached ). 
Proceeding thru my Ocwen account records I searched for escrow disbursements for the date range of XXXX XXXX XXXX thru XXXX XXXX XXXX. I did not find a record that Ocwen indeed paid XXXX for my policy as they fraudulently reported paying after deducting {$3700.00} deducted from my escrow account. 
I am requesting the assistance of the Consumer Financial Protection Bureau in getting Ocwen to return the {$3700.00} to my escrow account and dispersing a check to XXXX for {$3700.00} to pay for the homeowner 's insurance policy on the property. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The customer service provider of the loan issuer isnt providing the adequate details on what the credit score minimum requirements to be elligible for their cosigner release program along with the 12 month payment requirement but simply just denies the cosigner request without providing these adequate important details so that the customer has an idea on what is required with a minimum credit score instead of just postulating on that particular credit score number. I 've been denied twice as a cosigner loaner with AES with this terrific customer service as countless others can concur to as well.. The issue of the payment is a concern to the customer service provider and the loan issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Before going to an attorney to help us get a loan modification we started with our mortgage company over 2 years ago. Did everything they asked us to do. The woman we deal with there is XXXX XXXX. She has never been any thing other than rude. My father, at one point stepped in to try and help us. He was a builder of over 40 years and ran a successful business. XXXX gave him a hard time as well. Now our attorney is telling us they have NEVER dealt with someone so rude and difficult. This woman has made us fill out the whole loan modification process now over XXXX! I had to redo everything my attorney submitted because they whited out a date ( which they often do if resubmiting the entire SAME package! ) to resubmit it at XXXX XXXX request. She had all our paperwork in front of her but is knit picking apart everything we say and do and keeps making us redo and redo the whole application process! I feel BULLIED by this woman. She now has had access to our PERSONAL finances including our banking statements for more than 18 months. It is like She keeps wanting to see our Financials so She keeps denying our application for one reason or another.. There is always something WRONG She says that we missed. I had to turn around after JUST submitting the EXACT same application and resubmit/redo it all at Elis demand . Even though she had all the paperwork in front of her. I am working with an ATTORNEY who does this EVERYDAY for a living with mortgage companies. And I am being told by them, they have never dealt with a more rude and bullying person. I just want to save my home. We have also given PHFA over {$20000.00} in the 2 last years taken out of my husband retirement. We want to save our home and just need lower payments! And this woman is determined to bully us until we lose our home. I will gladly share my attorney info if need to hear from them about this company and woman, XXXX XXXX. They have not even allowed us access to our mortgage account to make any type of payment either!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an M1. ( Please see pages 18, 19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is showing up on my credit report 5 times with all three bureaus and they are n't licenced in the state of fl..I 'm resquesting that they be removed immediately from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX -called and emailed and sent in a letter notifying them that the property tax payment date was the delinquent date and that it needed to be paid prior to going delinquent. 
XX/XX/XXXX Called they said it was paid and would go directly to the county treasurer XX/XX/XXXXTalked to Them they said it is sent to XX/XX/XXXXa third party company and yes it should of been sent sooner he assured me that they would pay any late fees. 
-I also mailed a letter requesting they start paying it in a more timely manner. And that they fix all errors and fees XX/XX/XXXX Told them XXXX county already added late fees/delinquency*Which may be reversed depending on time stamp but it shouldnt of even come to this if the had paid it in a timely manner to allow for processing time with their 3rd party. They need to get in contact with XXXX county via website or phone and see if the late fees will still be in effect after payment is received. 
. I asked them how they go about paying the fees and if it would be done in a timely manner they had no answer just have the run around. 

when you call no one has answers and is rude and wont listen to why you are calling if you try explaining they raise their voice and ask you to listen to them or just repeats the same thing but refuses to resolve issues. 

Attached documents dont include the two letters that I sent which I also have copies 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 2019-09-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was in the middle of refinancing Pennymac home loan at XXXX XXXX XXXX XXXX NV XXXX with another Bank and I signed closing papers with notary on XX/XX/XXXX. 
To my dismay I received correspondence from new bank on XX/XX/XXXX stating that they require additional {$560.00} to close loan since Pennymac rep didnt provide correct payoff info to new bank and the reason being Pennymac had to pay extra insurance payment. I do believe that this insurance payment is not necessary since Pennymac already paid {$960.00} to XXXX insurance on XX/XX/XXXX and also paid another {$250.00} on XX/XX/XXXX to another insurance company from escrow account. Some how I was asked to wire additional {$560.00} to close loan due to fact Pennymac rep didnt do due diligence when they fax wrong payoff info to new bank which could possible resulted in late fees and also pay extra mortgage to pennymac as well as new bank at the same time since XX/XX/XXXX. I kindly request Pennymac refund additional {$560.00} payment that I had to pay to new bank due to wrong payoff info provided by Pennymac rep which resulted in me spending extra money / time and mental break down since I was told my loan was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day Equifax allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with Equifax requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my Macy 's credit card account in full on XX/XX/2020. The amount paid was {$170.00}. Macy 's is trying to collect the same amount plus late fees, albeit the account was paid in full. On XX/XX/2020, I submitted a dispute letter to : Department Stores National Bank XXXX XXXX  XXXX XXXX, Ohio XXXX In the letter, I gave my account number, dollar amount of suspected error, and the description of problem. I have not had any communication from Macy 's except automated collection calls. 

Please help me. I can provide account numbers, and any documentation at your request. Thank you.

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 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a very strong credit history, with a score in the 740-760 range. Further, I have a longstanding good relationship with Capital One ( no missed payments ). They denied me for a XXXX credit card today. By the information on their website, this card is available to people with good-excellent credit. Applicants can even have late payments on their credit and be approved. I have no late payments, nor collections, etc, and they denied me anyway. When I called to determine why, I got stuck in a loop of people who barely spoke XXXX, did whatever they could to get me off the phone and refused to provide additional information. It is my belief that Capital One has blacklisted me because I previously requested a change in the terms on my current card. They should re-review and approve my application for the XXXX card because I am deserving, both based on my credit history and relationship with them. There's no reason I shouldn't qualify for the Mastercard and even less of a reason I shouldn't qualify for the store-only version.

Company response to consumer: Closed with explanation