BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I started an application and communicating with XXXX XXXX of Freedom Mortgage. Communication was static at times and I tried to be understanding that there is an influx of homeowners trying to refinance with the low rates. I paid the an appraisal fee of {$480.00}, submitted all the paperwork, signed all the documents and a week before closing ( XX/XX/XXXX ) tried to contact XXXX with no success. On the day of closing, I tried to contact XXXX again with no success, and then called the Escrow company. Escrow company said they had my paperwork, but did not have the funding documents. 2-3 days later, I was able to get a hold of XXXX and he said there was an issue in underwriting and he was trying to get it corrected and would contact me back. That was the last I heard from XXXX XXXX. After reaching out to the main company, another employee XXXX XXXX contacted me and told me that XXXX was no longer taking care of my mortgage. I shared my concerns and he told he would pass that information on to his manager to contact me. Since XX/XX/XXXX, I have only been able to get in touch with XXXX XXXX. XXXX has been a great employee, he returns my calls and emails. But he is in training and can not be my loan officer. He tells me that he has been telling his supervisor that I have been calling, but I have not received any communication via phone or email from the company. 
XX/XX/XXXX, I asked XXXX to refund my deposit and he did. 

My complaint is that I paid a deposit and sent this company all my personal financial information. They pulled my and my wife 's credit report twice, which has lowered our credit score. I have already lost over {$3000.00} in savings if this loan had closed when it was supposed to. if I went with a different company, I wouldn't have been waiting on Freedom Mortgage and would have saved {$3000.00}. This is costing me money. 

If I decide to move forward with another company, my credit score has already been lowered because of Freedom conducting a credit inquiry. This will affect my opportunity to get a low interest rate, which will cost me thousands over time. 

Will Freedom contact me and do something expeditiously to make this right?

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 2020-10-12
Company: ERC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ERC : Enhanced Recovery Company Account # XXXX {$730.00} Opened : XX/XX/2020 ( FALSE ) Status is Open and reported on XXXX  and XXXX   ACCOUNT HAS BEEN DELETED BEFORE Reported account is reporting false information. I never opened an account with XXXX XXXX XXXX or ERC on XX/XX/2020. Account was deleted before as inaccurate but has been reported again. Predatory reporting by means of false dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Discover Bank checking account on XX/XX/2021 and deposited checks within several weeks from opening. 

On XX/XX/2021 they asked me to upload documents for verification, after trying to upload those documents with errors on Discover website for every day for the next week, it finally worked and my passport and social security card was successfully uploaded. 

On XX/XX/2021 they informed me that the account was closed, no reason was provided. 

I spoke to a representative over the phone who said I will be getting a refund for the account balance within 60 days. After not receiving any refund, I called and spoke to a manager in the security department who said they will not be refunding the account balance and they did not want to give a reason for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to make a transfer from my Chime account into my XXXX account in the amount of XXXX on XX/XX/2020. About a week later the transfer came back to Chime unpaid. XXXX said it was returned because they do not accept transfers from outside banks. Chime put my account on hold and asked for a copy of my ID, a recent XXXX statement and if possible a letter from XXXX explaining why the transfer was returned. I sent the all documentation several times but never heard anything back. I reached out to the via phone, and was told that my attachment on the email could not be opened. I resent them everything while I was still on the phone and was told my account would be reopened the next day when someone from their support team verified everything. My account was instead closed immediately and I was told I would not be receiving the money that was in the account back. There was about XXXX in the account. I have emailed them countless times. I have called countless times with the same answer everytime. That they can not talk to me about the closure of my account. I was doing nothing illegal I has just recieved my first unemployment payment on XX/XX/XXXX it was about {$6000.00} the other money in the account was from my income tax return. Money that ironically I had transfered from my XXXX account. I want my mobey back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX -XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}

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 2018-12-27
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been having an ongoing issue with XXXX XXXX. I called to renew my account and that started an chain reaction of mistakes, that led to me finding another service provider. 

XXXX customer service made several mistakes that led to them turning on electricity at the wrong address ( during renewal ) same street number but wrong street. When I called several time to correct this they had really nasty attitudes and basically kept saying nothing could be done. I had tried to switch then but, when I checked my account it gave me an incorrect renewal date, so I switched back. 

When it was time to renew I stayed with XXXX. I signed up for 8.5, it was changed to 8.9, then 10. They said it was an error then they said even though my account said 10, I was being charged the correct amount of 8.9. My bill still did not look as it should for 8.9KPH. 

I questioned if but was basically told there was nothing I could do. I finally switched providers with the help of XXXX. Nothing was done at that time about their behavior. 

My account is closed and paid, but as soon as I made the first payment a few days later they filed a lawsuit trying to sue me. I think this was unfair since they knew I had made a payment to clear the account and this along with all the other things seems as if they have no respect for their customers long term or not. XXXX  Complaint Case # XXXX ( Ref # XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Penn Credit Corporation
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called PENN Credit collections has put a negative remark on my credit report. I see allot of negative reviews nationwide. I know I cant reason with them All I see is a false claims from Utilities from year XXXX for {$430.00} All it says. I am disputing this Probably just trying to bilk me out of monies. 
If thats all I see then my thought is Fraud This company should be closed by the Government ripping people off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: CA
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 have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Experian on XX/XX/2021. The 1st account is from XXXXXXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2020-08-24
Company: Atlanticus Services Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has not been mines and I filed a victim of identity theft and the credit bureau never showed proof that this was my debt and when I called the company they claim they dont show a record of this at all but some how they are still reporting me as late on an account thats saying its been closed and charged off! I am in the process of closing on my house and the company Fortiva keeps updating my report showing Im late. I have no idea why this matter has not been removed when its clearly not my debt. I am a military veteran who in that year was not even in the country. Its showing on my report opened XXXX XXXX. Its showing closed XXXX XXXX in the amount of {$5300.00} XXXX/FORTIVA. I just got a update on my report showing late for XX/XX/2020. I cant be late on a closed account thats not even mines. I have called this company and they said we dont show we have this account. Then they claim they sold the account to a 3rd party debt collection company and those company stated we dont have your name or that account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: General Motors Financial Company, Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
Sent out letter to find out why it was on my report on XX/XX/15 received reply on XXXX stating they didn't know what I was talking about. I sent the acct number and they also listed it on the reply. Their letter stated they didn't have anything to verify the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I filed a XXXX XXXX Bankruptcy, in which my loan was reaffirmed with JP Morgan Chase .The reaffirmation agreement amended the terms in my XXXX modification agreement. 

My annual Percentage rate of interest was 2.3750 % variable prior to bankruptcy 2.3750 % fixed rate with the reaffirmation agreement. 

I did not realized that Chase was not applying the correct interest rate until XXXX of XXXX, when I started the process of refinancing my mortgage. At that time I reached out to Chase to rectify this error. I submitted the reaffirmation agreement which clearing shows that my interest was reaffirmed at a fixed rate. 

I requested multiply times a refund of overpayments which they applied toward my interest, and for last three months I have been going back and fourth with their escalation team and received no resolution. 

They have been applying an interest rate of 4.750 % and it should be 2.3750 %. 
I am now requesting a refund for the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
USBANK Home Mortgage PMI Disclosure letter states that my PMI will " automatically terminate when my Scheduled LTV reaches 78 %. I am at 76 %. I called and they say I have to have an appraisal that I must pay. HOW IS THAT AUTOMATIC? Automatic implies by definition that NO ACTION on my part would be required. No Letter, no phone calls, no appraisals, no fees, etc. 

This Annual PMI Disclosure was included on the back page of my mortgage statement. In their own words. It does not list any qualifiers. When I called to discuss this ... they gave the run around on the phone. That I need an appraiser to come to my home, inside my home, ( i would need to take time off of work to meet them ) and I would have to pay for this out of my own pocket. 

Again, this is not AUTOMATIC. They even site " The Homeowners Act of 1998 ''

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 2019-03-23
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We filed a complaint with you in the past and you threw us under the bus. Now I see you have sued TCF bank and won. You helped numerous people with similar experiences with Tcf bank. This is our newest complaint as we are victims of a predatory loan and have been charged over XXXX in late fees. We alerted you many years ago when the housing crisis first broke. Tcf uses late fees to their advantage when we Apply for a new long with another institution try to move our loan to another institution. Tcf call the bank BMO only to say we were 30 day late which was a lie it stopped us from getting refinanced and we were told they sent our payment to the wrong department and only to remove it later They report it to the creditors to stop us from getting a loan then remove it once our loan don't go through with the other institutions. Our loan is not serviceable and tcf is holding us hostage by adding on late fees that cant be proven.we never heard back please update us on what you found out and what action you took XXXX and XXXX XXXX filed against TCFBank never heard back. We do believe that we have been distriminate against Because of our race please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has claimed to have previously acquired my location and admitted to violating my rights by contacting me without previous consent from me. In addition, harassing me through mail pursuant 15 U.S. Code 1692c. 

Per my last complaint, this debt collector has violated several of my federally protected consumer rights including : 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692 ( b ) -- ( two occurrences ) 15 U.S. Code 1692e ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692g.a ( 3 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1605 ( 1 ) The debt collector has responded to my previously complaint rather quickly and without having provided any supporting documentation to support their disposition. Having disclosed that they willfully furnished information to the credit reporting Agency, XXXX, when it is incorrect is now in violation of my FCRA in addition to the plethora of FDCPA violations. 

To add, this debt collector to whom I have no business, obligation, nor have previously conducted a consumer credit transaction with, should know that pursuant 15 U.S. Code 1692G ( c ) failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a new vehicle in XXXX of 2021 through the dealer where BBVA underwrote and issued the loan to purchase the car. A BBVA Compass bill arrived in early XXXX for a normal payment of {$560.00} due on XX/XX/2021. The payoff quoted on that bill was {$36000.00}. I set up a payment from my bank XXXX XXXX XXXX to arrive on XX/XX/2021 for the full payoff amount : {$36000.00}. It arrived at XXXX on this date. XXXX did not " cash '' the check until the XX/XX/2021. XXXX then " returned '' the check on XX/XX/2021 for an undisclosed reason ( there were more than enough funds to satisfy the check ). On XX/XX/2021, I called XXXX to see what the issue was, and they stated that the payoff was not enough, so they did not honor the check. On XX/XX/2021, XXXX has called me attempting to " collect '' the outstanding payment for amounts owed from?????. There are no amounts owed according to the contract in place and the title is not being released. I am concerned that this will negatively affect my credit as they state I have a payment that is past due when the loan was paid in full Before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}

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 2022-08-09
Company: Atlanticus Services Corporation
State: NJ
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:
XX/XX/XXXX I applied for an extension of credit with the company Aspire and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation