BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: AmeriHome Mortgage Company, LLC
State: CO
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:
Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by Amerihome. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that Amerihome has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, Amerihome ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX and may have gotten into the wrong hands.

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 2018-02-28
Company: CITIBANK, N.A.
State: MD
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 reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, XXXX and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan servicing L.L.C. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX Has been discriminating against me for over 5 years now! I recently completed my US Bankruptcy Court Chapter XXXX Bankruptcy, Final month of completion was XX/XX/XXXX, The Bankruptcy was Discharged on XX/XX/XXXX. BLS has completly abused me after they assumed my mortgage XX/XX/XXXX from XXXX XX/XX/XXXX. I have composed an eight page letter, describing in detail, how BLS has been misapplying my monthly payments, holding them " in suspense '' for no valid reason, and thus due to their unorthodox accounting and billing practices, made it appear that I was late in paying, when in fact the exact oppisite is true, I started making payments at least one month early. Many of the statements BLS sends me, are unintellegible, and impossible to figure out what it says. 
( statement for XX/XX/XXXX in particular ) I have called BLS customer service at least eight times trying to get their errors corrected. BLS keeps promising to send me a full accounting of my account, however 3 weeks later I still have nothing from BLS, they are not honoring my requests, falsely reported me to the three credit bureaus that I was late in 2 payments! BLS has sent multiple statements for the same month. I need CFPB 's Help in getting BLS to set the record strait and correct the negative reporting to the three credit bureaus. BLS recently cost me getting a refinance because of their false credit reporting! Please, Please Help! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a personal Chase Credit Card account ( last 4 digits XXXX ) in  XX/XX/XXXX ( see exhibit A ). I used this account and then closed the account in XX/XX/XXXX. Image of card is shown in Exhibit B. 

During the time this account was open, I made a transaction with XXXX XXXX XXXX on XX/XX/XXXX ( see exhibit C & D ) for {$240.00}. A copy of my account statement showing this charge is shown in exhibit E on the 3rd page E3. The event that I purchased for {$240.00} was subsequently canceled in XX/XX/XXXX ( see exhibit F ). I contacted the merchant, XXXX XXXX XXXX and was informed that they sent a credit to the credit card account the event was originally purchased ( last 4 digits XXXX ) on XX/XX/XXXX, after the account was closed. Please see exhibit G attached showing the receipt from the merchant, XXXX XXXX XXXX for the {$240.00} credit. 

Upon calling Chase Card Services XX/XX/XXXX, I learned that my account ( last 4 digits XXXX ) had been purged by Chase from your system. Since, the account has been purged there was no way for the Chase representatives to look into my account and find out what happened to the credit that was sent to me from XXXX XXXX XXXX. 

I am owed the credit that XXXX XXXX XXXX sent to Chase on my behalf on XX/XX/XXXX for {$240.00}. 

I have contacted Chase numerous times but nobody can access this account since they claim it was purged from their system. I was promised by XXXX in Chase Email Servicing that the matter would be investigated and they would contact me within 14 business days. It has now been 22 business days, and when I contacted them again, they have no response, and no record of any investigation, it is as if I am starting over with them. 

XXXX XXXX XXXX, whom I have also contacted numerous times, thinks the refund was processed XX/XX/XXXX as referenced above, but Chase has no record of receiving this refund as they can't access this " purged '' account. 

I need Chase to either to find the refund of {$240.00} and send it to me, or send me and XXXX  a letter that they have not received the refund so XXXX can issue a new refund direcly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We received a notice dated XX/XX/2020 from our bank that our mortgage company, Freedom Mortgage has reported our mortgage payment as " delinquent '' to credit bureau. Not only has our account NEVER been delinquent, we are paid through XX/XX/2020. When we contacted Freedom Mortgage 's Customer Service, they acknowledged there was no history of delinquency. Rather than fixing the problem within Freedom Mortgage, we were instructed to submit an email to dispute the filing. 

According to the CFPB data base and other official sources, Freedom Mortgage has a history of unethical practices. Since this is their error as acknowledged by their Customer Service department, why is the responsibility to make the correction on us? Why wasn't this done immediately in-house rather than requiring us to file a dispute? 

Furthermore, we question the timing. We have been contacted by Freedom Mortgage to refinance at a lower interest rate which we have not done. We believe this action of reporting our payments as delinquent is a deliberate action by Freedom to sabotage attempts we may have of refinancing with another lender by wrecking our credit. 

We were not pleased when, immediately after closing on our home last year, that the mortgage was sold to Freedom as we have read horror stories about their practices. We believed if we kept our heads down and maid the payments on time that they would leave us alone. We were wrong. Please help.

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 2020-05-15
Company: Bread Financial Holdings, 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:
On XX/XX/2020 at XXXX hrs, I shopped at the XXXX, Tx XXXX XXXX and purchased over {$67.00} worth of items. At the checkout, the cashier informed me that I can get an extra 15 % off if I apply for an in store credit card. I inquired about credit check. She stated that its an in store credit card and only a soft credit check is pulled. I told her that I didn't want it to effect my credit score. She replied back that it will not. 

On XX/XX/2020, received a letter from Comenity Capital Bank about a credit card that I applied for. I called Comenity Capital Bank on XX/XX/2020. I told the Bank Rep that I did not apply for a Comenity credit card. She is informed me that XXXX XXXX is one of their customer. I asked about my credit report and she informed me that there was a hard credit report pulled in my name. I informed her that I didn't apply for Comenity Capital Bank credit card. 

Bottomline, 1. XXXX XXXX mis-represented the product and did not properly inform me of my right as a customer. Employees need to be educated on the different between hard vs soft credit check. At the end, there was a hard credit check on me. That was not what I was informed by the store cashier. 
2. Comenity conducted the hard credit pull without my permission and its customer to mis-represent their product ( credit card ). At the end, my credit score has changed because of their violations. 

3. The hard credit check violated my right for the following reasons stated above and laws in the attached complaint. 
- FTC Violation - Truth and lending violation - Fair Lending violation - FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of XXXX XXXX. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX   that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX plantation XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted equifax, sending them a copy of my driver license and police report along with all requested info to prove my real identity. Equifax have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Coastal Credit, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Coastal Credit at the end of my loan term stated that I owed an amount of approximately {$230.00}. I continuously asked for a payment history and options to pay this amount as the business was no longer from my understanding in Virginia. I called Coastal Credit several times without success to receive this information. I became very ill and lost contact with this company. I then begin to receive calls advising that the balance had gone up to over $ 16K which is basically the amount paid for the vehicle. This amount I am told is interest, including late fees and charges assessed for an Attorney. 
Had Coastal Credit and namely an employee by the name of XXXX XXXX given me the information I requested various times rather than tell me to contact their attorney and when I asked for the attorney information then advise me that he could not give me that information that I would need to get it, this could have been rectified. 
Today XX/XX/XXXX I was transferred to an individual by the name of XXXX that advised me that I was taken to court in XX/XX/XXXX and they received a judgment for $ XXXX I called the court the courts state there is a document signed by me, yet I did not appear so who signed this document. Then XX/XX/XXXX someone by my name came to the court and filed an exemption to stop a garnishment, that is not possible as I was injured at my job XX/XX/XXXX and then back and forth to physical therapy so I again could not have appeared in court for this either. This situation has me very confused and very stressed. I am going to the courthouse to obtain these documents that I supposedly signed. My main concern is how a company can take such a small amount owed and turn it into another vehicle purchase price amount. I now have another court date on XX/XX/XXXX in regards to this situation and the fact that I have not made any payments. Their lack of honesty and lack of providing a running statement that shows beginning balance and credits has proven to be very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Saturday XX/XX/XXXX I went to Victoria’s Secret and was approach by a sales associate. She informed me of special deals they were having and had asked me if I had an angels credit card with their store. I replied that I did previously have one but was not sure if it was still active. She then asked if I wanted to open a new card, which I replied “no”. She then kept hounding me to open one but I repeatedly told her I did not want to new one, that I preferred to pay cash for my purchases. I did say that I wanted to see if my old card was active, which she then informed me that she could look up my existing card with my name and social as well as my date of birth. At no point did she say that she was opening up a new card. I made it very clear to her that I did not want another credit card and she opened one up under false pretenses and did not inform that she applied for me. She then stated that I had a $XXXX credit limit, she did not say that this was a new limit as she implied that this was my existing credit limit from the card that I had originally opened around XX/XX/XXXX-XX/XX/XXXX. Today, which is XX/XX/XXXX I spoke to the store manager who confirmed that the only people that can check to see if you have an open card are the associates that work behind the cash registers and not those that walk around with their XXXX, which is what the associate who committed the fraudulent account opening was using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company is Navient. I got behind but am working on getting caught up. I paid XXXX $ last month ( XX/XX/XXXX ) was told that it would get my loan back on track, got an email a few days later stating that I owe XXXX . I call to set up a payment on X/X/17 and the guy on the other end asked if I wanted to pay XXXX $ to get caught up. I said no I want to set up a payment for X/XX/17 for the amount of XXXX $ ( all I can afford ). He asked about my phone info and I told him that I give it every time I talk to someone from this company. They do n't save my basic information. My mom goes online and it says that my payment of XXXX $ is past due. So having been told of numerous different numbers, I do n't know which one to believe. They call at all hours of the day and night. Never leave messages. And after I make a payment they blow up my phone again. I cant deal with the harassing calls, the lack of knowledge how to save basic information. It 's causing stress and my lack to finish my degree, I 'm only 5 classes from completing. Please help me get through to these people. I 'm tired of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The allegation for this complaint is as follow:The issues begin since the beginning of the filing of Bankruptcy Chapter XXXX on XX/XX/XXXX.  There were some payments missed and property tax not paid, so BKXXXX was filed to sustained the arrears escrow and some back payments in the amount of $XXXX. During BKXXXX, every effort was made to meet with the BKXXXX payments regulations and sustaining the regular monthly mortgage payment on the account.  But each month the monthly payment would increase without any explanation.  But we continue to make monthly payment as required.   But we don't believe the amount due was justify.  And the bank keep increasing the monthly due to about $XXXX per month. Fast forward 5 years after BK Chapter XXXX was completed and a discharged was granted XX/XX/XXXX.   Monthly payments continued post BKXXXX, up until XX/XX/XXXX.   As of XX/XX/XXXX, OCWEN said we have not made mortgage payment for the past 46 months. OCWEN did not acquired the loan until XX/XX/XXXX. How can they say we are 46 months behind. Original loan was own by XXXX XXXX, sold to XXXX XXXX in XX/XX/XXXX, then the loan got transferred or sold to XXXX XXXX in XX/XX/XXXX, the loan was transferred to OCWEN on 1XX/XX/XXXX. As of XX/XX/XXXX, PHH Mortgage Services and OCWEN joined forces to established mortgage origination and servicing capabilities.  As a result, PHH is now enforcing a foreclosure on my home.  The date of sales: XX/XX/XXXX at XXXX.  The publishing amount of the Notice of Sales is now $XXXX and PHH is now the current loan Servicing company.Both company are doing shady business.  A dispute was filed on OCWEN on XX/XX/XXXX.  But now since the merger with PHH Mortgage Services in XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.  They are once again pursuing with Foreclosure on my home.  In the disclosure, they indicated an escrow arrears of $XXXX not paid.  Enclosed is all of the supporting documents for this claimant.  Both companies, OCWEN and PHH Mortgage Services should be put of business for robbing innocent people like myself, who have worked hard to upkeep the home.  I am pleading for your help in my case.  Please let my case be heard.Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2018-07-13
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get help from LoanDepot since XX/XX/XXXX. I have continuously supplemented documents that they have asked and they continue to delay my review. I don't think it should take them over 7 months to help me! I have had two foreclosure sale dates and have had to file two bankruptcies just to save my home from being sold. I can't afford another sale date. I am at lost and need help saving my home! Please I ask for your assistance. 


The last update was on XX/XX/2018 and they asked for documents that I had already submitted to the lender and changed their request on paperwork that they had previously asked. My husband had already sent a letter advising them on how much he contributes to the house, pay stubs that show our property address, an ID and our bank statements are in a joint account. Yet, they continue to doubt that he is not living here. 

Please I ask that you help me save my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation