BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I emailed HomePoint financial with a form to set up biweekly payments ( called FlexPay ). I expected the first payment to start XX/XX/XXXX. I noticed that no payment was made XX/XX/XXXX, so I called them. The agent said that they received the form too late to start payments for the XXXX payment. She said that she would set it up to start XX/XX/XXXX and that as long as I made the XXXX payment by XX/XX/XXXX, it would start. I made the XXXX payment and checked again after XX/XX/XXXX, and they still had not set up the payments. On XX/XX/XXXX I talked to another agent, allegedly a supervisor, about setting up the payments for XXXX. I made the XXXX payment online while talking to her, and she said that she set up the payment to start XX/XX/XXXX, and I thought that everything was good. A few days later, I get a call from HomePoint, allegedly from a supervisor, who said that they could not make the payment on XX/XX/XXXX since the first payment of a biweekly payment had to be made before the XXXX of the month. I told her that I did not want a biweekly payment to come out of my account every other Thursday, the day before I get paid. She did not even know how biweekly payments worked. She was very rude and said things like " the XXXX of the month is not always a Thursday, '' and she could not confirm whether it would happen every two weeks or just twice a month which is defeating the purpose. I told her that I was fed up trying to get this set up, so I told her to cancel it. I also asked her to talk to her supervisor, and she said that she would have another supervisor call me back. An hour later, I spoke to another supervisor, and I explained everything to her. She was also rude and asked what I wanted her to do about it. I told her that I wanted her to know that everyone I had talked to did not seem to know how to properly set up the payments and that they need better training for their people. She asked if I still wanted the payments set up, and I told her point blank that I did not want the payments anymore. I wanted it cancelled. Of course, I check my bank account on XX/XX/XXXX, and HomePoint made AN UNAUTHORIZED CHARGE to my checking account after having told BOTH supervisors to cancel any payment request. I contacted their customer service again on XX/XX/XXXX, and they are allegedly cancelling the payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX  XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX  this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
XXXX XXXX XXXX  has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.

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 2021-02-23
Company: I.C. System, 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:
The account I am filing a complain about is appearing on my report from a company called I.C. SYSTEM, INC. Their contact information, according to what's on my XXXX  credit report is : phone number is ( XXXX ) XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  MN XXXX. The account number they have listed on my credit report is : XXXX. This remaining balance of {$380.00} ( Ticket # : XXXX ; spoke with a rep named XXXX who processed my payment ) that was previously associated with this account was PAID IN FULL to the original debt-holder, XXXX, over the phone on XX/XX/XXXX @ XXXX ( PST ). I.C. SYSTEM, INC. is still reporting a FALSE balance of {$830.00} on credit report as of XX/XX/XXXX. Before the balance was updated randomly to this amount, it was {$910.00} reported, also falsely since XXXX of XXXX. I do not have a balance owed to XXXX anymore, period. I do not have any open or closed accounts with a balance under my name for this company AT ALL. I.C. SYSTEM, INC. is fraudulently still applying a non-existent debt on my credit report every month, despite NUMEROUS attempts from XXXX to notify them the former balance of only {$380.00} has been paid in full. At this point, this is my absolute last resort because every time I call I.C. SYSTEM, INC they tell me XXXX has not updated them of the balance being paid in full. But every time I spoke to XXXX they continuously uphold that I do not have a debt owed to them. I also have proof the previous account which was active in XXXX has a XXXX BALANCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20 there was a charge for XXXX, XXXX, XXXX, XXXX, that were not. Mine j called Bank of America to inform them of this and they are telling me that it is me the one who made these charges when it wasnt

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 2021-02-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in regards to my account with Wells Fargo Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge about this accounts, please remove as this is not mine : 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 2020-10-27
Company: WELLS FARGO & COMPANY
State: NC
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 bank account at Wells Fargo was hacked 3 months ago and {$1300.00} was stolen. I immediately called the bank told them this was fraud and they gave me a new card and disputed the charges. 91 days later on XX/XX/2020 Wells Fargo took the {$1300.00} back out of my account saying they didnt believe it was fraud because the money taken out was associated with a XXXX account with my name on it. I dont have a XXXX  account so that evidence can not legitimate and they refuse to look at evidence that these charges were not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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 was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.

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 2021-02-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them. 

8. I just received a response after filing a complaint, finally. I was asked to submit any example of the types of communications I was receiving from Navient before my " past-due statue ''. " Past-due statue '' is the words being used by Navient to prove there point, in there recent letter. I wish they used the same verbiage " past-due statue '' before they labeled me 90 days delinquent. Instead, I was being sent misleading Information, with verbiage like due date. I feel Navient actions at the time where very misleading and over all damaging. I have attached an example of the types of emails I was receiving at the time. Enclosed. 

Also, I did give reference to these emails in my original complaints to them, but not addressed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My ex-husband and I closed on our house on XX/XX/XXXX, and have yet to receive the remainder of our escrow account from Caliber. They claim they sent one check out, but we never received it. We still haven't received our second check, even though they claim it's in the mail. I offered to send them a tracking label and envelope, and they wouldn't take it. In the meantime, they sent us a letter offering to refinance our mortgage with them. They clearly aren't sending us this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made {$3000.00} on XX/XX/2020 and want to pay 1 mortgage payment of {$1400.00} ( {$380.00} to principal, {$1000.00} to interest ) and {$1500.00} to principal. 
I made additional {$20.00} payment to the principal on XX/XX/2020. Total {$1900.00} to the principal. 
The beginning balance of XXXX is {$260000.00} and the ending balance should be {$260000.00}. 
After so many call, Caliber Home Loans still didn't make it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a dispute letter on XX/XX/2020 trying to verify the account they have on file i have the original dispute letter from XX/XX/2020 and receipt of delivery of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a complaint about money removed from my escrow account by Flagstar to pay for someone else 's homeowner 's insurance. 

On XXXX, {$1100.00} was paid to a XXXX XXXX XXXX  for homeowner 's insurance for someone else 's unit in the condominium building where I reside. The policy had a different person 's name and didn't have my unit on it. 

My insurance coverage is from XXXX XXXX XXXX XXXX. The premium for my actual insurance was paid from escrow on XXXX for {$470.00}. 

Even after identifying this issue with multiple Flagstar employees who acknowledge the accuracy of this accounting of the situation, the money has never been put back into my escrow account.

I have made the following contacts with the Flagstar insurance department to get this fixed without success : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I requested that the money be returned to my escrow account -- didn't happen.

I requested that someone in management contact me -- didn't happen.

I also requested that a formal complaint inside the company be filed for how this case was being handled -- I am unaware if this occurred since I have not been contacted.

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 2020-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I previously had a BOA account which open but it has been over 120 days without activity as of XX/XX/XXXX. The last statement I received indicated I was over drawn due to monthly fees in the amount of {$32.00} ( estimate ) I was unable to put anything in this account until I made an cash deposit on XX/XX/XXXX in the amount of {$660.00} at BOA ATM. Upon making the deposit I called & was told the account was closed. I understand the reason, but I have been unsuccessful getting my funds returned or additional assistance on the phone. I was willing to pay the fees. However anything in excess should be returned. I attempted to get assistance over the phone & have been bounced around from department to department. I need assistance because if they are not willing to provide an account for me I need to be able to take my funds elsewhere. Please note the rep I spoke to onXX/XX/XXXX stated the funds showed in their system & she & her manager was confused why the card was still active. I did not know about the status of my account until after I made the deposit onXX/XX/XXXX & called 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 monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My TransUnion credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to XXXX, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX XXXXXXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.

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 2017-09-19
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I received a late notice from my XXXX indicating my account was past due and a late fee had been accessed. I contacted my servicer and informed them the dues needed to be paid, they indicated, they would research the problem. I have had a history of this servicer misapplying my escrow payments, paying them late, and in this instance not paying them at all. Be advised there are sufficient fund in my escrow account to cover said dues ( I also made extra payments to my XXXX account to cover the ongoing payment issues ). I was informed to the mortgage servicer payments to my XXXX account are paid in arrears. So my XXXX mortgage payment should have covered my XXXX XXXX dues ( The late notice is for XXXX, but that is because, I made an extra payment in XXXX to cover the XXXX dues ). I have had so many issues with Caliber Home Loans, I fear they just wont do the right thing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: AZ
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:
Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : Equifax and XXXX  reporting 120 days past due and XXXX  showing Account transfered. 
2 ) Blance : Equifax and XXXX  shows {$0.00} and XXXX  is N/A 3 ) Last updated : Equifax is XX/XX/XXXX and XXXX  and XXXX  shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.

Company response to consumer: Closed with explanation