BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Freedom Mortgage Company
State: OR
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:
Freedom Mortgage is reporting that my account is in forebearance which has a negative effect on my credit standing. This is contrary to H.R. 6321 Sec 112 ( b ) ( 1 ) which amends the Fair Credit Reporting Act to say : ( b ) Moratorium On Furnishing Adverse Information During COVID19 Emergency Period.No person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during the COVID19 emergency period

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 2018-02-19
Company: State Home Mortgage
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted concerning a debt I attempted to pay. I am running behind in my mortgage payments and have had continuous communication with them pertaining to why I fell behind. I usually pay the current month but on the last day of the month while attempting to get caught up. XX/XX/XXXX I was unable to go to the mortgage company to provide them my payment as my manager called a mandatory meeting. I explained that and stated I would pay them tomorrow morning. I was denied by XXXX XXXX that payment and she advised they would need to collect 2 months at that time. I have not signed anything pertaining to this type of agreement and have nothing in writing from this institution pertaining to this type of agreement. Therefore, I have received calls from her as well as XXXX XXXX pertaining to my debt owed. I advised XXXX XXXX at that time I can not pay two months and if I had to, I could not pay it until the end of the month. Additionally I have paid and they have sent my payments back to me on occasions. This causes an adverse rating on my credit as well as additional charges due to being late. Also I am charged for property inspections when I am delinquent. I have written to ask why no payments are being reported on my credit report to no avail. I realize I filed bankruptcy in XX/XX/XXXX but they were excluded and still they will not report anything on my credit. I also have a second loan which is a balloon payment. No one can seem to find that second loan. I am almost positive these actions are to take my house from me. I would just like a response on why I can not make one mortgage payment until I am caught up, why I have nothing in writing pertaining to their agreement, where is the second loan and why nothing is being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was paid off through a refinance of into a new loan. There were {$740.00} in suspense funds that were not accounted for after the payoff was processed. Ive been trying to get info on these funds but no one knows what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Opened a Citi checking account and funded with {$5000.00} XXXX XX/XX/2020 ). I originally opened this checking account in order to receive a promotion of {$200.00} that required having it funded with XXXX for over 3 months. Opened an attached Citi savings account funded with ~ {$2000.00} XXXX XX/XX/2020 ). Made a single external transfer of XXXX {$800.00} from savings account in order to pay my rent XXXX XXXX XX/XX/2020 ). About a week later I could no longer make transfers XXXX which I need to do to pay my rent ). I called and was told that their fraud team would look over the account as there was suspicious activity. I verified my identity and told them it was an authorized transaction. They held the account in limbo anyway. I called a few days later as the account was still locked. I was told they would be closing the account. Confused, I asked why. They could not give me an answer. The representative told me that they would require XXXX3 MONTHS to distribute my funds back to me as a check. 3 MONTHS. At this stage I have waited the time and now the accounts are empty. I have yet to receive a check.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  report of account as derogatory is inaccurate account has been paid in full. XXXX  report of status as repossession is inaccurate. Experian last reported and last active date is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion report of account as derogatory is inaccurate account has been paid in full. TranUnion report of status as repossession is inaccurate. XXXX last reported and last active date is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name on the mortgage is XXXX XXXX, but my name is XXXX XXXX now. 

I was denied a home modification in XX/XX/XXXX, because I had previously received a modification. I'm working full time now and can afford to pay the mortgage. I spoke with my Bank of America representative XXXX XXXX on XX/XX/XXXX, and she advised me that I was qualified for a repayment and I would have to pay a down payment of {$950.00} and I would pay a payment and a half for 6 months of approximately $ XXXX.She advised me that I had until XX/XX/XXXX, or they would have to recalculate the payments for XXXX. She advised me she would be out of town and would be able to be reached until later the first week of XXXX. 

I called on XX/XX/XXXX, to get my new calculations and she advised me that I didn't qualify for the repayment plan based on my income, but I qualified for the repayment plan for XXXX. When questioned, she told me I was stressing her out, I was being petty about what she was saying to me. XXXX XXXX also told me they didn't have my updated income or budget and they did. 

All of this time I've been talking to Bank of America and trying to get a modification or repayment plan, they never advised me that I was entering foreclosure. I was actively trying to pay the balance off. They never advised me of dual tracking. I called today, XX/XX/XXXX, to pay the balance that was approximately {$2100.00} and she told me I couldn't pay today because I have entered foreclosure. I asked was I in foreclosure on XX/XX/XXXX, when we talked two days before today? She told me no, which I find hard to believe that I'm now in foreclosure. I was never advised these past two or three months I've been speaking with her that I was in foreclosure. 

Now I have to wait until after XX/XX/XXXX, and I'm sure it will include more charges for me to reinstate my mortgage. I have the {$2100.00} and would have paid it on XX/XX/XXXX, if she had informed me I was in foreclosure. 

The problem I had paying my mortgage is I haven't worked full time since XXXX and struggled to make payments. I hadn't made a payment since XX/XX/XXXX because I was raising the funds to pay the past due of the mortgage, but Bank of America never told me I was in dual tracking when I was trying to get a modification.

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 2020-09-03
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:
XXXX decreased my credit line based on what Equifax reported to them which was that my credit card ( S ) had been delinquent, the only credit card that had been delinquent was XXXX which I cleared up, none of my cards are delinquent. 
THIS HAS HURT MY CREDIT SCORE, I HAVE MADE A SNAP SHOT OF MY CREDIT CARDS AND BALANCE TO SENT TO MY ATTORNEY, THE FEDERAL TRADE COMMISSION, AND OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, This is a formally submitted statement to inform you of an error that had occurred on my loan account, referenced above, during the payment of my XXXX taxes, in which the amount of {$1800.00} was paid out of my escrow account twice ( XXXX ) on XX/XX/XXXX. I was notified via letter in XX/XX/XXXX that the error had caused my monthly mortgage payment to rise by {$150.00} due to an escrow shortage making my new monthly payment {$910.00}. 
Since the rise in my monthly payment, I have been made to put my home up for sale as the steep incline in my monthly payment was unforeseen and unaffordable. When the error was made clear to me after looking into the rise of my monthly payment, I made contact to begin correcting this error with a phone call to PHH Mortgage 's customer service department on XX/XX/XXXX which ended with the promise of an answer within a business week, but after no return call, I made contact again on XX/XX/XXXX ; which I was told that the issue was now being submitted to a different department to be looked into. I made 3 more attempts via phone call to their customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, making a total of XXXX hour and XXXX minutes on the phone with no progress being made. 
I have been in contact with multiple PHH Mortgage personnel including XXXX, XXXX, XXXX and XXXX. My request has since gone through PHH Mortgage Servicess tax department, escalation department, and research department with little to no answer for the error that occurred. I was informed via email on XX/XX/XXXX by the XXXX Department that PHH Mortgage Services reached out to my Tax Assessor and confirmed that my taxes are paid to date and that a refund is not due from the Tax Agency with no mention of the still missing second withdrawal from my escrow account ; according to the county, one tax payment was submitted from XXXX in the amount of {$1800.00} XXXX # XXXX. However, I received an email by PHH Mortgage on XX/XX/XXXX stating that they have yet to hear back from my tax assessor. The company has continued to email me under the pretense that I do have a refund but it now has been sent to the wrong company and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: DE
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:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction. 

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely

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 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report.

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Direct Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted discover card services to report fraud on account and to request a new card. I was asked if I wanted to update my phone number which I did. After I received my card I went to activate it. It was activated. I went to use it and it was declined. I called again to be told due to inherent risk factors we closed your account. I pay my bill every month no late payments great credit score and employed. I am confused why credit card companies are doing this now other than they are expecting a huge default rate, but that would not make sense from someone who has been a great customer and paid even during a worldwide pandemic. I also lost benefits of rewards earned. This is unfair since if they want to close my account that's fine, but rewards were earned already before payment of rewards so they should not be lost. Not happy with this practice that seems to be rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I refinanced my home to pay off credit cards. XXXX XXXX XXXX, law firm who handled my closing, mailed check # XXXX via certified mail for the pay off amount of {$4800.00}. Macy 's deposited the check but never posted the payment to my Macy 's account ending in XXXX. 

I have also faxed Macy 's a copy of the check, and the signature of the employee who signed for the check. Macy 's has been provided the bank routing #, account #, and check #. 

I opened a missing payment dispute with Macy 's, and still have not received positive resolution.

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 2021-02-09
Company: CITIBANK, N.A.
State: VA
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:
As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed! 

There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill. 

Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!! 

By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}. 
you intentionally hurt my score out of discrimination towards 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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ON XX/XX/2017 5 letter were drawn and sent certified mail to XXXX, Trans Union, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..

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