BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust is making it very difficult for a consumer to remove the escrows from their mortgage. 
The department who handles the escrows is a phantom department you can only communicate with via fax. They say it takes 2 weeks for someone to contact you. No-one ever does. One has to call back to get answers. 
The big issues is they will only remove escrow once the loan to value ratio of the property is 80 % but the value they use is the price of the home when it was first purchased which is not representative of the current value of the home now given market appreciation. This does not make any sense, if the home values where lower than when one first bought the home I bet they would not do the calculations based on the purchase price of the home. 
I am pretty sure this is a violation of consumer rights and protection laws. 
This even applies to consumers who want to have their PMI 's removed. In that case the consumer would be tied to the PMI until their loan is actually 80 % of the value of the home which given real estate market fluctuations this could very well play out to the detriment of the consumer who may not be able to remove their PMI 's for a very long time. 
They are clearly manipulating the law and using the rules to their convenience and controlling our money in their escrow accounts. If they are making it difficult for consumers to remove their escrows in good financial times with a healthy real estate market, they can cause home owners to lose their homes during harsh economic times because they are tying the escrows to the mortgage and not allowing the homeowners to remove 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
Consumer complaint received 2023-11-10
Company: WLCC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I emailed and called Explore Credit to revoke my automatic ach payment authorization with them and they continue to charge my account. In order to avoid a stop payment, they have also now split my payment into two payments. Since the time I originally contacted them, they have charged me an additional {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2020-06-03
Company: CCS Financial Services, 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: Personal information incorrect

Complaint:
I have sent a letter to XXXX  requesting that personal information be removed. They have failed to do so. 

I have also written XXXX  to dispute unverified and information that has NOT been properly validated, but continues to be reported on my XXXX  Credit Report. 

CCS Collections XXXX XXXX XXXX XXXX , XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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: Account status incorrect

Complaint:
In the past few months, I have contacted XXXX Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to XXXX Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from XXXX, and a documented ledger of my payments being on time ( provided by XXXX ), I opened a dispute with Experian. The dispute was kicked back, as was 4 other attempts. 

When reaching out to Experian as to why this was the case, I was told that XXXX said the late payments were valid. This is a direct contradiction to what I had been told by XXXX and also contradicted the documentation that XXXX had provided which showed payments being made on time, not delinquent.

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 2022-01-12
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I advised indigo/destiny credit card that I was XXXX XXXX in XXXXthey said they would reimburse late fees but had to report that the account was past due.I can send proof that Im just getting over the XXXX and those late payments have tarnished my credit report. I have no content over me catching the XXXX and Im being penalized.I have payments set up to start payments this is unfair.my home was pending finalizing before I got XXXX and put on hold by the lawyers because of XXXX.my home being finalized wont go through if those late payments are on there.please remove and list my account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Ditech Financial LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage that I took to buy my home in 2001 originally was with XXXX, when XXXX went through bankruptcy the loan was sold, changed to Green Tree then Ditech. After missing two payments during a divorce I was threatened with foreclosure. For missing two payments of {$1300.00} each, I ended up paying them over {$8700.00}.

My payments have been current through auto deduct from my bank account for the last eight years. After the threatened foreclosure Green Tree required me to do a monthly bank draft and charged {$16.00} for every draft, said that was the only way they could accept the payment. When I asked for a loan modification they ignored the paper work I sent them, called and harassed me, had a person showing up every Sunday when all the neighbors were home and made a big display out taking pictures of the property. 
My issue now is they are not showing my mortgage payments on my credit report, not showing me as a home owner, and it looks like intentionally trying to keep my credit rating degraded to prevent me from refinancing. 
Is there someone I can call to help me with this, what documents to supply etc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Wy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
there is a XXXX charge used against my permission by a family memebr who stole my card he bought a car I NEVER DID and I NEVER authorized them to use my card and now citi bank recharged this too me in violation of the card agreement and the fcba i never gave my cousin persmiions to use my card he stole it i never talked or signed or authorzied them to charge my card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls about the debt, I told them I would call them when I was ready to pay but they keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX 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 has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was bought by Lakeview loan servicing. The company found out I was unemployed and told me I would qualify for a program to help if necessary. They never told me I would not be able to make payments during the approval process. I have applied about 6 times since early this year. They have times out the process everytime because every single time, they asked for more and more info, being completely different everytime. It has been impossible to get everything they ask for, different things everytime through the process, and after 30 days they time it out, and make me reapply each time. I never would have taken this advice from Lakeview if I knew this could happen, and now the house is in foreclosure. I have been lied to and told different info from every single person I talked to thru Loss Mitigation. I can nit lose my house, and would have no where else to move to. I've been trying to make payments every month, which was denied. I will appreciate any and all help to resolve this. I never imagined I could be lied to so many times by my loan company to take my house away. I was told by a title company how many people have been scammed by Lakeview, and to now immediately put kn a  complaint to receive help through your agency. 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 explanation
Consumer complaint received 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
In XX/XX/2023 I applied for an airline credit card via Bank of America and was approved. The card never arrived. I called an inquired and was told it would be sent again and received an approval letter at the address requested. The card was never sent. Then they closed the account without contacting me ( finding out later they sent a request for more information to an old address they inquired about ). So they pulled my credit, approved an account/line, then closed it. They refuse to resubmit or remove their self imposed fraud designation- which was not fraud. 
They now refuse to help and told me I could reapply - thereby hard hitting my credit again over their mistakes and would now base their new decision on a less credit score because of their self imposed penalties when I did nothing wrong.

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 2022-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX charged my mortgage company more than {$7000.00} for my homeowner insurance premium and has collected over {$14000.00} in the past 2 years regarding such. In XXXX, i was paying only XXXX XXXX yearly for this XXXX home in Nebraska. I purchased this home in XXXX for {$89000.00} at a fix rate. In XXXX during and after COVID. Currently my monthly payments have increased to {$1900.00}, nearly tripling despite the average cost for premium home insurance in Nebraska on a {$250000.00} home is less than {$2500.00} yearly. I'm now facing foreclosure because of this. 

As a result, my mortgage company XXXX XXXXXXXX XXXX XXXX has sent me a " Promissory Note '' package that partially includes the more that {$14000.00} dollars they paid XXXX for homeowner premium insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: STOCKTON MORTGAGE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My first mortgage payment was due on XX/XX/XXXX. On XX/XX/XXXX I made a partial payment ( principal and escrow amount ) to my account. This is problem 1, as I then received something from XXXX XXXX stating Stockton Mortgage had placed something on my account and my credit score dropped. They made reference to me making a partial payment ( which I am entitled to do, and their system allowed it ). On XXXX I logged on to my account to make the remaining payment. On line I was denied as the system said I must make the full monthly payment. I then called the provided and I was told they would make adjustments and to call back on XX/XX/XXXX or XX/XX/XXXX to make the remaining payment, as they had to fix my initial payment in the system. Well on XX/XX/XXXX I logged in and the system states " your account is not eligible for the one time payment option ''. However, one time payment is an option on the website. I, or any consumer for that matter should have the option to make a payment on mortgage at any time. There are multiple studies and thousands of articles that prove making a biweekly mortgage payment reduces the amount of interest and the length of the term of the loan. So why is that I, or any other consumer of theirs, must make a 1 time payment for the full amount? That is not consumer friendly by any stretch of the means. I filed a complaint with the Ohio Attorney Generals office and since that time I have been blocked from making one time payments on my mortgage. So now i have to call and pay {$11.00} each time i want to make a payment? I'm being penalized for questioning my rights as a consumer. I was told over the phone by XXXX on XX/XX/XXXX that I am only allowed to make the full payment. Any partial payment will be applied to escrow or principal, but will not count towards my monthly payment. How is that legal? On the Stockton Mortgage payment website they give several examples of making payment and biweekly payments is one of them. yet I was told I do not qualify for biweekly payments. What is the criteria? I qualify for a loan but can't make biweekly payments? Now I can't even make one time payments to my account on the principal amount. Something about this is not right. I should have the right to make payments to my account at any time. I'm not asking for hardship. I'm not asking for Covid relief payments. I am simply asking for my right to make payments on my account that will fall within the necessary billing cycle to keep my account current. I am asking for my right to make those payments that will allow me due process to have the option to pay my interest down early and the term of my mortgage off early. The company has taken all my rights. When I complain then Stockton Mortgage retaliates by punishing me and requiring me to call and make over the phone payments for a fee of {$11.00} and then they make my credit report that I made partial payment, ( although the payment was made early before the due date )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX 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 2019-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. 
XXXX  shows XXXX XXXX twice. XXXX. XXXX XXXX, XXXX XXXX and all others that show on XXXX and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Millennial Home Lending, Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter addressed as follows : XXXX XXXX [ my mortgage lender ] [ My name ] [ My address ] The fact that the address included the name of my mortgage lender -- along with the admonition to " open immediately '' -- made me think the letter was an important document from my lender. When I opened the letter, it was a refinance offer/advertisement, and it wasn't from my lender at all. It was from a company called Millennial Home Lending. But if I had not read the letter carefully ( or the fine print disclosures on the back ), I would have thought it was an offer from my own lender. This is a deceptive practice. Even if it's not harmful to a borrower ( which I think any such deception is harmful ), it is an unfair business practice.

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