BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I started working on refinancing my current VA loan with Freedom Mortgage and during the process the third party title company ( XXXX XXXX ) that the mortgage company was utilizing came back saying there was a lien on my property by XXXX XXXX. They stated they was working to clarify the issue. After a couple of weeks they notified me they was still having an issue. I called XXXX XXXX office and told them of my issue at which time they stated the title company was reading the file wrong and that they don't place liens on properties only the product. I called the title company and informed them of their error at which time they agreed and sent over a letter stating it was clear to move into closing. I was scheduled to close on XX/XX/XXXX and the mortgage company stated that since there was a delay we wouldn't meet the original closing date and that I needed to pay {$1600.00} for a 15 day rate lock extension. I argued this was no fault of my own and believed that it should fall back on the title company or them but not me. They disagreed and stated I would have to absorb the cost.

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 2020-10-28
Company: Freedom Mortgage Company
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home loan currently is serviced by Freedom Mortgage. I have a 60 day locked rate for a steam line IRRRL refinance that expires XX/XX/2020 with Freedom Mortgage. I've had closing dates scheduled and cancled by Freedom on XX/XX/XXXX and XX/XX/XXXX without notice and cancelation was not do to my own negligence. I have reached out several time for the past 3 weeks to the Loan Officer Mr. XXXX, escalation department, my assigned advocate/loan processor XXXX XXXX and customer service without receiving a call back after agent sent inter-office messages in which I was told someone would definitely contact me back. I've left messages on XXXX XXXX a escalation rep at XXXX XXXX several days without response. It appears that freedom is purposely eluding my attempt to close on my refi rate for reasons i am unaware of. Perhaps agents are working from home and not doing their 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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The said bank charged me XXXX dollars in overdraft fees -- -- -the account was in the positive -- -- Chase does not respect veterans at all -- -- -- -- -- -- -- -- ----

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need XXXX XXXX immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX  XXXX XXXX .... Balance XXXX - ; XXXX XXXX & XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Respected Director Kindly dispute and remove this account immediately from my credit report as I tried multiple times to pull it off and I was a victim of identity theft as my car with multiple items and documents were stolen in California XXXX XXXX. Please I urge and request you I am a diligent XXXX  and in crisis to get an apartment before so Im unaware and please remove and dispute this immediately from my report and close it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 received voicemail from XXXX XXXX stating that proceedings in XXXX County court are being processed and they would contact my employer. left number XXXX. 

They also contacted my brother who lives out of state and said there were legal proceedings in XXXX county and wanted info.

When I contacted the phone number I asked who I was speaking with and was told Assurance and they represent a network of attorneys. when I asked for the other party in alleged matter, I was placed on hold and then a representative named XXXX XXXX told me that they're just a middle man and that 3 charges are pending processing regarding a financial transaction with EMoneyUsa ( whom I've never entered into business with ) when I asked that a validation of debt be sent, I was told to contact the EMoneyUsa directly and that she would inform counsel that I had no knowledge and assured me there was evidence in the legal file and I would need to inform the judge if I hadn't received any information about this debt. 

She also denied that they contact my brother, something about they would just leave their number, and it was more than likely a person who was hired by XXXX county to locate me. 

All kinds of weirdness, not to mention violation of fCRa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a mortgage with XXXX XXXX on XX/XX/XXXX. Loan was sold on XX/XX/XXXX. I received a statement for payment of the loan from the new lender and made all my payments. Over a year later XXXX XXXX states I owe them a payment. They never sent a statement and the loan was transferred and paid in full. My loan origination amount matches the amount transferred to the new servicer. I do not owe XXXX XXXX any payments.

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 2023-04-27
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charged {$71.00} from XXXX. XXXX screwed the order so bad they gave me a {$7.00} credit on XXXX for shipping. Lamp never delivered. XXXX knows this as driver 's photos show XXXX small packages at the door. Scale was delivered but does not work. Weighed me in at XXXX lbs. The bill is inaccurate and will not be paid. XXXX and Discover both know that these charges are bogus and are engaged in interstate theft and fraud. Bought a scale from a different vendor XXXX Discover statement. I will pay {$6.00} for ice trays and bin, that's it. 
The bill is fantasy and wildly inaccurate and both billers know it. It is a testament to the dishonesty and incompetence of both.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I send this complain to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
New American Funding is charging me late fees on my mortgage which are not due. I attempted to contact New American Funding in XX/XX/2023 via email to correct and resolve this issue but New American Funding was unresponsive. This is an unfair and deceptive business practice because it shows my mortgage account in arrears for late fees that are not due. It appears that the late fees are being factored into my mortgage payments because the fees are showing as due on mortgage statements at the beginning of the billing period, and are being included in my regular monthly mortgage payment. There is a 16 day grace period before late fees are supposed to be assessed, which is clearly stipulated on the mortgage statements provided by New American Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My name is XXXX XXXX. In 2017 my loan funding ran out and due to tgat I had to end my student status which began repayment billing. This is where I realized I was being billed XXXX a month. I called explained this is impossible and was told due to my financial status I could do student forgiveness or be lowered drastically. I sent copies of paychecks and tax returns yet nothing occurs. I've written a mails and complaints and just watch my credit score drop to nothing. I need help possibly attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: WELLS FARGO & COMPANY
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:
This is the second complain about statute of limitation.

XXXX I Submitted a complaints to the Consumer Financial Protection Bureau on XX/XX/XXXX WELLS FARGO CARD SERVICE and XXXX   Credit report XX/XX/XXXX and WELLS FARGO CARD SERVICE have last payment as XX/XX/XXXX WELLS FARGO CARD SERVICE Balance : {$160.00} From XX/XX/XXXX to XX/XX/XXXX is five years. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible WELLS FARGO bank is trying to collect a debt which the statue of limitations in Florida have expired.

XXXX on XX/XX/XXXX verified as accurate and undated.

How can they Wells Fargo balance when it been over 5 years?

XXXX on XX/XX/XXXX credit report also show balance

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 2020-10-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TO WHOM IT MAY CONCERN, I FILED MY TAXES ON XX/XX/2020 THROUGH XXXX. THEY WERE ACCEPTED BY THE IRS ON XXXX XXXX. MY FEDERAL RETURN AMOUNTED TO {$1000.00} AND MY STATE {$110.00} IT STATED THEY WERE GOING TO BE DIRECT DEPOSITED INTO BMO HARRIS BANK CHECKING ACCOUNT # XXXX AN ACCOUNT NUMBER THAT DOES NOT BELONG TO ME!! THE CORRECT ACCOUNT IS # XXXX. I WENT BACK AND FORTH WITH THE IRS AND BMO HARRIS BETWEEN THE LAST 6 MONTHS TRYING TO RESOLVE THIS AND EACH ENTITY TELLS ME ITS THE OTHERS FAULT. IF MY NAME ON THE CHECK DID NOT MATCH THE NAME ON THE ACCOUNT WHY DID IT GET PUT INTO THAT ACCOUNT AND ACCEPTED BY BMO HARRIS BANK?!?! IT SHOULD OF BEEN SENT BACK TO THE IRS SO THEY CAN ISSUE A PAPER CHECK PER THE REP AT THE IRS. THE REP AT THE BANK AND BRANCH MANAGER TOLD ME THERE IS NOTHING THEY CAN DO NOW THAT THE MONEY HAS BEEN ACCEPTED AND THAT THERE IS NO ACTIONS THEY CAN TAKE TO HELP ME. I AM GOING TO NEED TO TAKE LEGAL ACTIONS NOW AND SUE BMO HARRIS BECAUSE THIS IS ABSURD. THIS IS VERY SKETCHY AND I NEED THIS TO BE RESOLVED ... YESTERDAY!!!! 


PLEASE HELP ME SOMEONE!!!!!!!!!!! I WILL TELL EVERYONE NOT TO USE BMO HARRIS BANK!!!!

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 2021-03-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, TransUnion and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding me.

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 2018-08-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below, which are inconsistently reported : 30 days late as of XX/XX/2016 on XXXX and 30 days late as of XX/XX/2016 on XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX and Bank of America have both announced policies on or about XXXX XXXX that prohibit using their services and credit cards for the purchase of certain firearms. They are only advancing general credit with no strings attached, as far as I can see from their card agreements, except, now, for certain firearm-related items. All such items are currently legal under federal law and the law of my state. Why can they make a policy that dictates what I can and can't buy with their plastic?

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

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 2022-05-03
Company: Collins & Hilton Asset Group, LLC
State: LA
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:
Accelerated Inventory Management LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX is trying to sue me for a debt I don't owe them. They have no provided any source of debt validation. According to my credit report, I have a perfect payment history with the company they claim to be collecting debt for. They are not allowed in operate in my state and are using a law firm to scare me into paying them. This harassment needs to stop! They need to provide some kind of proof which they have not. They have violated my rights. I plan to counter sue them for their false claims and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: ALLY FINANCIAL INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.

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