BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This whole thing started in XX/XX/XXXX when we had a hurricane ( hurricane was actually in XXXX ). The bank was supposed to move 3 mortgage payment to the end of the loan. At first it seemed they did that but the all of a sudden in XXXX of XXXX even though I was paying the current payments they started to say I was behind 3 mortgage payments. So at some point I got a letter I can't remember exactly when but I got a letter saying I had to pay all 3 payment in full  by XX/XX/XXXX or they would be able to start to a foreclosure process. I sent the payment in and they credited the account on XX/XX/XXXX. So at this point I was paid up there was a {$0.00} balance past due. Then on XX/XX/XXXX they took out of my escrow {$1700.00} for foreclosure fees for an Attorney. I didn't find out about this until XXXX of XXXX when I got the end of year statement. At that point I called them and asked about this and they said that yes the fees should not have been taken out and they would be put back in. Well they never did that and they sold my mortgage to another bank in XX/XX/XXXX. So when I started to receive new statements I see in very small print this {$1700.00} in fees. I inquired about it with the new mortgage company and they took three months to tell me it was a fee from my old bank Santander. So I inquired at Santander and I finally heard back after another two months. They said it was Attorneys fees for foreclosure and so they weren't giving  me the money back but they didn't even address that I was paid up a {$0.00} past due balance when they took the money. I have written to them again and asked them to address why they would take the money when I was paid up with a {$0.00} past due balance but they haven't responded. I will include an attachment of the account statement where u can see the payment was received on XX/XX/XXXX and they took the money out XX/XX/XXXX. Clearly I would think it is illegal to take money out of a escrow for Attorney foreclosure fee when the past due balance is {$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 2019-11-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to complain about XXXX XXXX XXXX, servicing by XXXX. This company gives an extremely hard time to customers in order to remove PMI. 

I bought my house in XX/XX/XXXX, by paying 10 % down payment and paying {$100.00} PMI ( mortgage insurance ) each month. In my loan document, it says I could pre-pay more principal anytime to make the loan amount < 80 % of the house purchase price and remove PMI. However, from early this year around XXXX XXXX, I contacted XXXX  to ask about how to do pre-payment of principal and remove PMI but I was told I was not allowed to pre-pay any principal and remove PMI in the first two years! In the summer around XXXX, I called and got the same answer. However, my loan document has NO such rules. 

Finally, XX/XX/XXXX, I found out I COULD pre-pay more principal on the online account and my loan to house value ratio became around 79 %. Immediately I requested online to remove my PMI. Later I called their insurance division and was told it would take them at least 30 days to review my request but later was told they were sure I could not remove PMI because of some government rules but they refused to tell me. 

On XX/XX/XXXX, I found on the online account, it wrote : " The Homeowners Protection of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. If you do not request cancellation, and you are current on your loan payments, then PMI will terminate automatically : On the date the principal balance of your loan is first scheduled to reach 78 % of the original property value. '' I immediately paid more principal to make the ratio of loan to house price to 77.2 %. However, till now ( 2 weeks later ), the online payment still shows I need to continue to pay the PMI! 

Finally I reached their " real '' customer service to tell me what happened about PMI. I was told my loan to value ratio was fine now. However, I had to send them a check to pay a fee ( {$100.00} or more depending on the market price ) for a new quick appraisal on my house to make sure my house value did not drop!!! 

Think about how long they want to waste my time to drop PMI!! I will have to mail them a check to pay this appraisal, then they let me schedule the third party to come to do the appraisal which might take another 2 to 4 weeks. After they receive the appraisal report, it will take them another 30 days to remove PMI if they finally say yes. So in total, it will take at least 2 months in order to let me pay the appraisal and remove PMI. At the same time, they continue to charge me PMI!!! 

I have never heard any other loan company to give customers such a hard time to remove PMI with all the lies and delaying the process. 

This is illegal to keep pushing me to pay PMI. Crazy experience.

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 2023-08-06
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
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 XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone opened a discover credit card in my name fraudulently. Experian is still reporting this account. This is in direct violation of my consumer rights.

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 2020-06-02
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient refused to accept my payment in 2014 filing a claim for {$19000.00} and then putting me into a new loan with a principal balance around {$24000.00} by charging a 25 % collection fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: SYNCHRONY FINANCIAL
State: NY
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 recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company '' SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 2019-10-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding reported a collection account on my credit. I asked for validation of the debt since I was not notified by Midland Funding that they were reporting anything on my credit. Midland ignores my request for validation, yet they continue to report this erroneous account on my credit. 
Midland Funding is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My daughter did not had a bank account and wanted to apply for a cash loan I provide her lender my information to deposit funds to my account to transfer to her. Apparently was a scammer who pretended to be me and use my information to file a claim and stated that the ATM was faulty and that I deposit XXXX which it was not correct. The Bank without question issued a credit to my account but my account stayed the same fund amount without any change. The XXXX was deposit from XXXX XXXX and I proceeded to transfer to my daughter XXXX XXXX  to help her. I received a letter of a claim from bank a America I never claimed I called Bank of America on XX/XX/XXXX to state that it may be a scam since I never authorize a claim. I trusted they closed the account but instead the proceeded to investigate without closing it. No paper work or background information was provided to me showing I was the one making deposit of XXXX in the ATM nothing no explanation but they decided to deduct out of my account XXXX without explanations.I want full refund of that transaction and stop further deductions to my account. What they did is illegal and I demand proof it was me who did this transaction. A scammer pretended to be me and now Bank of America want to penalize me for it.

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 2021-02-01
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The issue is the difference between the amount of referral money I received from the Cash App versus the amount of money specified on a tax form that Square, Inc. sent me. 

Square, Inc. owns Cash App. 

Last XXXX I started to receive an unusually large amount of referrals for the Cash App. I was able to withdrawal some of the money ( {$1000.00} ) but not all understandably Square appeared to terminate my Cash Account. The only way I could determine that my account was terminated was that I received an email stating my email was unlinked from the account, a text stating that my phone number had been unlinked from my account, and my " cashtag '' URL returned a 404 Not Found error. 

At the time I reached out to the Cash App support, but received no response. 

On XX/XX/XXXX2021, I received a 1099-NEC tax form from Square, Inc. stating that Square had paid me {$19000.00}. ( Line 1 of the 1099-NEC, labeled Nonemployee compensation, lists an amount of {$19000.00}. ) OnXX/XX/2021, I " XXXX '' at @ CashApp and @ CashSupport about the issue. This led to an email inquiring on the issue ; I responded but have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.

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 2022-10-15
Company: EQUIFAX, INC.
State: WI
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:
According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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. 

Hard Inquiry : Equifax Mortgage Ser  Date opened : XX/XX/2022 Hard Inquiry : XXXX  XXXX XXXX Date opened : XX/XX/2022 Hard Inquiry : XXXX XXXX Date opened : XXXX XXXX XXXX opened : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020, I contacted American Express via Mobile App chat feature. I asked " Hey, what date was my last credit limit increase? ". The response from the unnamed foreign person on chat advised me the last time I submitted a request, not when an Increase happened. I then asked the person to clarify that their response was addressing an Increase Request and not my actual question. Amex replied with " It was a request. I can go ahead to submit an increase request if you would like ''. At this time, Amex has still refused to provide me with my requested information of what date my last Credit Limit Increase was. 

I then requested the same information again. This time Amex again ignored my question and said my cards had allocation changes. I replied saying I never asked about allocations. Amex then replied with " There was no limit increase happen ''. 

At this time I requested to be transferred to an American who speaks English. The request was ignored by Amex. I then requested again, In which Amex ended the chat. 

I typed I would be filing a CFPB complaint. Then the still nameless rep offered to transfer to a supervisor .... As of this writing, that still has not happened. 

I believe Amex has abused their position of trust since I do not have access to certain account details and history. Amex also blatantly refused to provide account information as requested. I find that Amex has been in violation of 12 CFR Part 1026, 15 U.S.C. 1601, FTC laws governing the transmittance of information across state lines, and Florida Consumer Protection laws for willfully withholding information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for bankruptcy in XX/XX/XXXX, almost every account ( except one ) on my credit report put account status closed, XXXX balance, included in bankruptcy. The collection company was included in the bankruptcy and shows account included in bankruptcy, but shows on my report as account OPEN and the Balance of XXXX ... the collection company has been called in XX/XX/XXXX and XX/XX/XXXX. I also contacted Transunion in XX/XX/XXXX and XX/XX/XXXX of this year through calls placed through the XXXX number and disputed through XXXX XXXX and Transunion but nothing has been done to change the status to Account closed and Account type Collection and Date closed : to a XX/XX/XXXX date which should be XX/XX/XXXX or XX/XX/XXXX. All my disputes were denied and here I must mention I also disputed in XX/XX/XXXX ... As I have done what I could. I pray you can help. 


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 2020-07-18
Company: Experian Information Solutions 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:
id theft victim. account that was charged off is not my account. already removed from XXXX  and XXXX. 
XXXX  for {$3600.00} is not mine XXXX XXXX  XXXX {$1900.00} not mine

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 2018-09-21
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDQ has put a bill on my credit for {$410.00} dollars for an unpaid medical bill in my name. I have no idea what this bill is and when I called them they have no record of my name DOB, social security, number or address in their database yet they are reporting that I owe them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX 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 2022-10-15
Company: EQUIFAX, INC.
State: PA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation