BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
With Regards to Loan # XXXX On approx XX/XX/2021, XXXX from Freedom Mortgage called me asking if I would be interested in refinancing my existing mortgage. Freedom mortgage has been reaching out to me for at least 6 months at this point to reduce my current APR so I finally caved and started a refi application. My credit score came back around XXXX however, I was told by XXXX that my APR would only go down from 2.875 to 2.41 which would only reduce my monthly payment by $ XXXX/month. She stated she would get with her management team to get a pricing exception and would get the rate reduced to 2.25. I thought this was fantastic and waited for her to get the necessary approval. I waited a day or two and never heard back and finally reached out to her and was told the request is still pending management approval. Then, on XX/XX/XXXX, I receive a letter in the mail saying my loan application has been withdrawn and cancelled. THIS WAS DONE WITHOUT MY CONSENT/APPROVAL and I have no idea why Freedom Mortgage decided to make this decision on my behalf without even getting my acknowledgement and approval. I called back again and was told management denied my pricing exception request. Mind you, it was not me that reached out to Freedom but Freedom mortgage reached out to me to get this rate reduction. However, now, I am left with a credit inquiry on my credit for no reason. If my rate reduction was only from 2.875 to 2.41 then, why wasnt their representative diligent enough to determine this would have been a huge waste of everyone 's time? Instead, I am left with an inquiry on my credit for no reason. Not just that but this no good inquiry will impact future applications. I am demanding they right this wrong by giving me the 2.25 % APR their representative had promised me. Again, I didnt want to do this, it was their representative that started this whole mess and then left me high and dry. This is unacceptable behavior and an unethical way to treat a prime customer as myself.

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 2019-10-11
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone has accessed my information on all of my credit cards. Then made large payments that were returned. I have told all companies repeatedly that I use 1 bank and only 1 bank. Several charges were in other states, debit cards obtained, loan applications and many other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: PA
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:
THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


WFDS/WDS Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$610.00} Date Opened : XX/XX/2014 Balance : {$21000.00} Terms : High Balance : {$20000.00} Limit : Past Due : {$21000.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF 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 2019-10-11
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Conn 's Credit profile that's listed on my credit profiles should be removed. This account is over 10 years old and this account was paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Roboalls are from ERC. When I have answered the phone in the past all I got was instructions to call another number. CFPB has contacted the company before, and the company said that they have no information about me. But they still 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 2019-10-11
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have called PNC bank over the years and they state that their company policy is they will never send paper copies of mortgage statements. I am trying to refinance another loan and I need a statement but PNC is refusing. to compound the problems I have tried logging into pnc.com to get a statement but it has not been working for a month. Their help desk is refusing to do anything to assist me with getting my loan information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I just discovered that I have been charged a debt protection fee, of at least {$30.00}, monthly, on a Best Buy store credit card, since 2010. I never knowingly authorized such protection as I had no need for such protection. By my math, I have likely been charged somewhere between {$3200.00} and {$3300.00}, not including interest charges on that monthly fee. This explains why my Best Buy balance has remained around {$300000.00} despite making monthly payments. I use an auto payment system and do not regularly monitor the balance. I have not made a purchase, using that card, in at least two years. To me, this is just straight up fraud. I contacted Best Buy and cancelled further fees, but I contend I should be fully refunded these fraudulent charges. I attached the most recent statement.

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 2021-02-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We ( the borrowers ) have been trying, unsuccessfully, to remove the mortgage insurance, aka racket ( PMI ), imposed on us by our loan servicer/lender. Our home exceeded the value required ( we have over 20 % equity in our home ) according to all major market analysis, mortgage lenders, and recently sold neighboring homes. We have written letters ( four so far ) asking the loan servicer to stop with the racketeering only to be asked to pay more money if we wanted an " internal appraisal '' ( {$900.00} + Brokers opinion!? {$350.00} ) conducted with no guarantee of PMI removal. The amount the servicer is asking for exceeds the amount we would save within one year of PMI removal.

Lender ( s ) are making a lot of money as is, but it seems that it's never enough. They need to squeeze the life out of homeowners/borrowers. It's the American way. The previous administration wasn't very " people-oriented '' and was making sure that the rich get richer, by any means available. Let 's see if things are any better these days and you take the side of " little guy '' for once.

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 2019-01-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made legit purchases and I got an overdraft fee for {$140.00} including for a maintenance fee. I have been with the bank for a year and supposedly I can't get anything wavered because something they never explained to me from the beginning when I first opened the account. There is always something hidden or not explained at all with any customer representative with TD on the phone or in person. 

They always seem to try to stick it to you one way or another and not care about it. I'm extremely exhausted with TD Bank and the treatment I have received from them. I haven't been through this much hassle from any other bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
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:
I have requested that Experian remove 4 tradeline accounts that appeared on my consumer report. I have been requesting them to complete this for over a year. The account names are : ( 2 ) XXXX XXXX XXXX, XXXX accounts, XXXX XXXX XXXX account and XXXX XXXX XXXX account totaling {$9100.00} off of my consumer report. And everytime that I have requested them to do so, it was never done. It wasn't until recently when I started to read and learn the law for myself did I figure out what I needed to do in order to have this fixed. I have attached the FTC identity theft report to this complaint so that they can finally remove these tradelines from my consumer report. 
These accounts being on my consumer report has had adverse effects to my reputation, character and ability to secure a job. I am not satified with the way this comapny has overlooked my request and not followed through at all. I have spoken to several people over the phone and it seems as if no one wants to help me. 
I am not satified and I am hoping that the CFPB can assist me with 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 non-monetary relief
Consumer complaint received 2019-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed by Chase Bank Account number XXXX, on the letter Chase stated the funds I will receive 7-10 bussiness days it has been over three months I am waiting. I called in XXXX was told they will reissue a check but still didnt receive it. Today on XXXX2019 I called in and was informed my funds are being held it has been over three months I am waiting for my Money. 

I had two other business account with Chase which I already received my fund in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We signed a contract on XX/XX/XXXX, got pre-approved through Chase XXXX. After several rounds of documentation, we were conditionally approved at a 3.25 % ( XXXX points ) rate, and a target closing date of XXXX. The Lending Advisor also stated we qualified for an appraisal waiver, of which we promptly accepted since average interval to complete waiver was between 25-32 days in Texas. On XX/XX/XXXX, after all the documents were passed to underwriting for final review, the underwriter stated we didn't qualify for the " agency product '', and therefore we would have to pay 3.37 % interest rate, pay {$6300.00} from XXXX in points, and they would now require an appraisal ( reminder- telling us this just 4 days before closing ). Whether it was the lending advisor 's error, or poor decision-making on the underwriter 's part, we consider this to be an unforced error -- - worse case a " bait and switch '' situation -- - solely of their doing. To compound the problem, their coordination and timing with the appraiser was atrocious, leaving us with a 3rd amended contract pushed to XX/XX/XXXX closing just for conservative purposes. Turns out that extended amendment date was needed, as we didn't get funded until XX/XX/XXXX, and we didn't close until XX/XX/XXXX. Sidebar, because of the misstep on Chase 's part, we risked the seller backing out for another offer. Incrementally that cost us extra money to secure him for the duration. The Underwriter 's excuse for the product change in the XXXX hour did not make logical sense given the combined wages, retirement income along with a large IRA that a financial advisor has written a letter on to state it was significant enough ( $ XXXX ) for retirement income continuance long after his 30-month calculation he claimed needed to be satisfied ( where apparently he factored only one of my accounts, the 401K ). Chase had everything to gain by reneging on their original offers to us under conditional approval conditions. Not that it factors materially into financial decisions, but I have used Chase for 30 years, and this is my XXXX mortgage with them. This process was broken, but worse yet their internal human handling and coordination around the broken process compounded the problem. We opened up an executive complaint before close with their corporate executive offices. That did nothing to benefit the situation, it seemed more like an " appeasement '' exercise because they relied on the assigned lending team as much as we did and they offered no intervention that positively altered timing. The Executive Support Team closed the complaint on XX/XX/XXXX because the closing took place " successfully ''. They stated some " independent and unbiased '' group would internally evaluate this case and reach out ONLY if they found wrong-doing or gross errors on the Chase teams ' part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The Navy Federal Credit Union ( NFCU ) has implied several times that, " when customer ( XXXX XXXX XXXX ) transferred his ( protected funds ) from his checking to his savings, those funds lost federal XXXX protected status, '' however, manager 's at the NFCU, XXXX Branch, XXXX, California state that, " customers checking and savings accounts are tied to each other and ARE the SAME. '' The NFCU continues its delusional behavior on their statement of denials on case numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. They have failed to produce credible federal laws that over-ride the following federal XXXX exemption laws.

( 1 ) Americans with Disabilities Act.

( 2 ) Public Law 111-275 Veterans Disability Protection Act ( VDPA ) of 2010.

( 3 ) Title 38, Section 5301 ( a ) ( 1 ), Veterans Benefits ( 4 ) 31 CFR 212.6 Rules and procedures to protect benefits.

Sincerely, XXXX XXXX XXXX  XXXX Veteran Copies to : The Department of Veterans Affairs The Office of Congressman XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed onXX/XX/XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX  at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XX/XX/XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, 3rd party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XX/XX/XXXX,  and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.

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 2019-10-11
Company: Experian Information Solutions Inc.
State: CO
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:
I submitted a dispute on experian with certified mail tracking numbers requesting a company called XXXX XXXX XXXX XXXX  remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which XXXX XXXX XXXX XXXX had received by never responded to my request. Within 10 minutes the XXXX XXXX XXXX XXXX was removed from my credit score. 

On XXXX XXXX XXXX XXXX XXXX refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. Experian investigated the dispute and claimed they recieved proof of debt. I called Experian and Experian refuses to show me proof of debt. 

I feel this is fraud and a scam on the XXXX XXXX XXXX XXXX and Experian because there has be NO PROOF sent to me to verify the debt and I request help in having Experian remove this from my credit score.

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 2022-08-13
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Designed Receivable Solutions , Inc. has illegally and falsely reported a medical debt collection twice, i.e. in duplicate on my credit report thereby harming my credit score under unfair practices and has never sent me a debt validation letter. 
They have used the same debt but used ddifferent reporting accoiunts to the same credit rating agency thereby duplicating it and making it appear as twice and impacying my credit score. They have resorted to unfair and illegal practice by harming me and that too illegally reporting it in duplicate for which I have the screen shot. 
Please help me. This is fraudelent practice.This company is known to indulge in the same and has many lawsuits for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: NC
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:
A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation