BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-17
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the time I went to pay my XXXX mortgage payment online ( XXXX XXXX ), I inadvertently failed to hit the last " Submit Payment '' button, which meant I did not make the payment. 

Later I received a letter from my mortgage company, Freedom Mortgage indicating I had not made the payment. I think I checked that I had a saved PDF for the payment, but either did not open it or did not see it was not a confirmation screen. 

We left town in mid XXXX and were away from physical mail until mid XXXX. 

When I went to make my XXXX payment online ( while away ), there was no indication that I was now indeed late. I also was unable to download my XXXX or XXXX statements at this time to verify what had happened. I made the XXXX payment. 

When I got home in mid-XXXX there was another you are late letter. I was still unable to see XXXX or XXXX statements. When I went to make my XXXX payment it was finally indicating I was late as the required payment was now double my normal payment. I checked my checking account from which I make the payments and could see the XXXX payment did not happen. 

I contacted Freedom Mortgage, and they seemed to understand the problem and would be happy to reverse one late payment ( maximum of their policy ), which they did. The person I spoke to sounded positive on the idea I would be able to have them repair my credit report, but I would need to submit a case via e-mail. 

I submitted a case by e-mail, but the declined to repair my credit report. I am unable to pursue this matter further with their XXXX XXXX Department, as they would not provide me with a phone number for this department. 

My credit reports with at least two of the three agencies now reflect two late payments on the mortgage, which seems unfair, as I feel I only missed one payment ; it just took me two months to address. There is also no distinction for a payment missed inadvertently, versus missed due to financial hardship or other issue. 

I was only able to see my statements for XXXX and XXXX as of XXXX XXXX. This made it impossible to verify from Freedom Mortgage 's records what had happened. It is even possible I did actually submit my XXXX payment, but their system failed. Their on-line payment system is frequently offline, and fails when I submit. I will attach a screenshot of an example of this. 

I also do not know how to add or update a contact telephone number on Freedom Mortgage 's website. They may have tried contacting me regarding the issue, but they may have been trying my home number while I was away. 

I would like Freedom Mortgage to be forced to repair my credit report, to improve their website so that contact phone numbers can be seen, added and updated, and that their website be modified to make it OBVIOUS that a payment is about to be or is late.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX  ) that does not belong to me. The letter is in XXXX and reference a dateXX/XX/XXXX when the allege account went into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My issue relates to a fee that was assessed for a service that was not rendered and which, according to the bank, it does not even have the capability to provide. When I explained all of this, they still didn't remove the fee, although agreed that no service was rendered nor could be rendered. I spoke with BofA agents XXXX, XXXX, and XXXX in XXXX New York regarding a {$30.00} stop payment fee on XX/XX/19. The fee was in regards to a request to stop payment request on a certified bank check. 

I made the request online. When I didn't see the funds from the certified check show up in my account, I became concerned, and I called the bank. XXXX, XXXX, and XXXX informed me that stop payment requests can not be processed on certified checks. I said no problem, but since you haven't provided a service and in fact can not ever provide that service per your bank 's policies, then please return the {$30.00} fee ( I can't pay a fee for no service ). If you can't do something EVER, then you should NEVER charge customers for that, because they don't know your company 's internal policies, and I tried to do business with BofA in good faith. 

They all lectured me, argued with me, and told me that fee was acceptable per the fine print of the terms and conditions. I feel tricked, I feel disrespected. I have been a customer for 14 years with Bank of America, and I will now be leaving that bank. Ridiculous.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account XXXX To Whom It May Concern : This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or you delete it completely with any and all credit bureaus in which you are reporting to. 

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 
I expect a reasonable response with sufficient verification per the law from you within the next 15 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission and all governing bodies to protect and rightfully correct my credit information from inaccurate and erroneous reporting. 


Thank you for your time and attention to this matter. 


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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, 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 2017-07-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have on multiple occasions asked for a complete accounting on our loan, see previous complaints. We have hired 3 different companies in an effort to get a loan Mod and our mortgage company has never helped us. We were forced to file for bankruptcy to save our home, but the bankruptcy has put us in even further financial distress. We have made lump sum payments to our mortgage company of over {$100000.00} and our loan has only increased. When I look at our payment the money has been applied to " other '' and minimal amounts have actually been credited to principal, escrow or interest. Our interest rate changes are not calculated in a timely manner, and escrow charges do not make sense. I have not been able to get any assistance. Now, we face a sale on X/XX/17. XXXX, XXXX, XXXX is the Trustee, although we never received a new NOD and did not receive the notice of trustee sale in the mail. I also can not find any information on the site it stated I could find information. XXXX, XXXX, XXXX is listed as the lender on a different site where I did find information about our trustee sale. I am so confused by all of this, I do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CarMax, Inc.
State: GA
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:
After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with CarMax XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that CarMax XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to XXXX, XXXX  and XXXX  for multiple years. ( Letter is Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I obtained ride services from XXXX  and utilized my M & T Bank debit card for payment. The charge for the transaction was {$4.00}, with {$2.00} added by myself for a tip, for a total of {$6.00}. However, I discovered a second charge of {$13.00} for the same ride. I contacted XXXX and they confirmed that the second charge of {$13.00} was only supposed to be an authorization. However, it turned into an incorrect second charge, subsequently processed by M & T Bank. I submitted a dispute of the incorrect second charge of {$13.00} with both XXXX and M & T Bank. On XX/XX/XXXX I received correspondence from M & T Bank stating that my dispute claim had been denied ( claim # XXXX ). I discovered that M & T Bank investigated the wrong XXXX charge of {$6.00} and not the second incorrect XXXX  charge of {$13.00}. I informed M & T Bank of their investigative error but they have not initiated a new investigation, or reversed the incorrect charge.

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 2019-03-22
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Bill amount XXXX. XXXX XXXX On XX/XX/XXXX I paid Harris & Harris XXXX leaving a balance due of XXXX I entered into a agreement to pay the balance due each month on the XXXX. This company has my bank account information and a recurring charge appears each month XX/XX/XXXX is the final payment. On XX/XX/XXXX company received XXXX. XXXX will be taken from my bank XX/XX/XXXX, XX/XX/XXXX, with final payment on XX/XX/XXXX. 

In looking at my bank statement Harris and Harris notes balance due and different amounts are shown thus far. 
Company called XX/XX/XXXX to remind me of payment due for XXXX even after company has recurring debits which are taken from my bank account. 

Today, XX/XX/2019, at XXXX XXXX company call my cell. When I answered rep said is this XXXX XXXX, when I answered yes they hung up the home. XXXX  the same time I receive this company call my home which I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: OK
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 recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: DISCOVER BANK
State: AL
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:
Back in XXXX of 2018 my credit card was stolen and someone used it to run up an enormous balance. I don't know why all of those charge got through. I called once I realized it and informed them. I told them I did not have the card, did not use it, did not give to anyone and no one used it on my behalf. I also signed the affidavit that they sent me. I asked was a police report necessary and rep said you can do it but it's not a must. They adjusted my account for the charges and then 3 months later put the charges on my account. I immediately called to see why and what was going on and they stated it was suspicious. What does that even mean? How was it suspicious. They didn't state clearly and informed me a police report needs to be filed so they can adjust. I informed I asked about that when first happened and was told no. I filed the police report and provided them with the officer name, precinct and case number. Time goes by and they say the credit will not be put back. This makes no sense. I called in when noticed and that was within time frames that I have to, I have been totally compliant and returning information that ask for promptly and there is not one single piece of evidence or anything that can show I did this. Not one because I did not and didn't authorize. My spending habits on the card wouldn't even suggest me spending like that or that much. I just don't understand what's going on and why this is happening to me. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account has been disputed several times. This account was open up when I was a minor. It does not belong to me. 
Barclay Bank XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: IA
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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2017-07-27
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we applied for a load modification through Nationstar mortgage. In XX/XX/XXXX I received paperwork from XXXX County with notice of a sheriff sale. Around XX/XX/XXXX I called Nationstar and spoke with XXXX XXXX to find out what we could do to resolve. He stated that since we did n't complete the modification paperwork after the trial period the sheriff sale would move forward. The only way to avoid would be to provide a payment of approx. {$25000.00} to bring everything current. We never received the paperwork he was referencing and additionally I was unaware of anything that needed to be completed. I thought since we made all payments on time and in full during the trial period that things moved forward as normal. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX County and I called XXXX XXXX ( formerly Nationstar ) and spoke with XXXX regarding the situation looking for advise on how to resolve. When we informed XXXX that I had not received the paperwork she provided us with the tracking number, stating the paperwork was sent on XX/XX/XXXX and XXXX delivered to our home on XX/XX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ). However, when we input the tracking numbers into the XXXX portal the first only notates that it was delivered to 'XXXX ' no specific address and the second states 'In transit '. As of XX/XX/XXXX XXXX has escalated the issue at XXXX XXXX to see if we are able to resurrect the modification due to lack of communication. However, we are very close to the sheriff sale date now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Thursday XX/XX/2020 Paramount Recovery contacted me stating that I owed a medical debt from XXXX XXXX XXXX XXXX in the amount of {$1200.00}. I spoke to a old female over the phone. She stated how did I want to take care of the debt, and responded that I already dispute the account multiple times and that credit agencies have removed the account before. The representative stated this debt was moved to a new office, and this is why the collection reappeared on my credit report. I stated that if Paramount Recovery wanted me to accept responsibility for the debt that I wanted a detailed billing statement of the charges from the original " doctor visit '', and not some generic letter head from the collection company with the amount they are attempting to collect. I have spoke this company on many occasion, and stated that I was requesting the debt to be properly validated. Multiple time the collection agency states that they are going to send validation in the mail, and it is going to take up to 30 days to be received. During this time the collection agency is holding my credit and credit score hostage negatively affecting my financial situation during this world pandemic. They purposely drag their feet by taking their time to resolve this matter as a dirty tactic to try to get me to settle the debt out of frustration. Finally, but not least they are very rude over the phone. They state that this debt is my responsibility, and they don't have to provide any proof that the debt is mine. They always pass me along to another line that has no one on the other end of it, or they just hang up, because they don't have the proper answers for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was modified two years ago into interest only loan with interest rate of 2% for a payment of $XXXX. Starting XXXX 2017 the modification ended and they sent me a statement saying my loan interest rate went back up to 6.375% and now my payment is $XXXX. I applied for loan modification and asked if my interest rate can be lowered so it can be affordable. I do understand that I cannot have interest only loan anymore but at least lower the interest rate or honor the 2%.  6.375% is a very high interest rate,  my modification was denied.I have included the rate change letter, my denial letter so you can see what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: SYNCHRONY FINANCIAL
State: OR
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:
Hard inquiry was discovered on credit report that was not recognized.

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