BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
Company: Rapid Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : closed on home ( FHA/fixed rate 30 year loan with escrow ) XX/XX/XXXX : 1st Payment set at {$1400.00} a month ) with Rapid Mortgage XX/XX/XXXX : receive notice our loan is being transferred to XXXX XX/XX/XXXX : receive letter stating our monthly mortgage statement is increasing to {$1700.00} XX/XX/XXXX : receive tax bill stating we are past due XX/XX/XXXX : Call XXXX  and I'm told all taxes are paid, we have a shortage and this is why we have a significant increase in our monthly mortgage payment. I am also told to request a Escrow Spread of 24 months to lower our monthly mortgage payment back down. 
XX/XX/XXXX : reach out to Rapid Mortgage and they investigate XX/XX/XXXX : make payment to XXXX for XXXX while Rapid Mortgage is investigating. Rapid Mortgage then sends a check of {$620.00} to reimburse us and write another check of {$780.00} stating that they miscalculated the taxes at closing XX/XX/XXXX : I send the check to XXXX, I wait a week and follow up as it was never showing in escrow. 
XX/XX/XXXX : I call XXXX and I'm told they received it and that everything is correct. 
XX/XX/XXXX : I call XXXX again as the check of {$780.00} is still not showing in escrow. I am told that it wasn't allocated in the proper place. Stated they would correct it. They did. It showed in Escrow the next day. 
XX/XX/XXXX : XXXX adjust our monthly payment to {$1300.00}. ( I'm thinking because the escrow finally got straightened out ), I call and confirm my theory with customer service. 
XX/XX/XXXX : receive letter from XXXX that our monthly mortgage payment is now increasing to {$1800.00} and that it is due to an Escrow Shortage of {$3400.00}. 
XX/XX/XXXX : I reached out to XXXX requesting an Escrow statement and for explanation as to why an entire years taxes is showing as the shortage amount, I was provided an Escrow statement ( that makes no sense to me ) and told that there wasn't enough escrow payment per month to cover taxes. 
XX/XX/XXXX : I reach out to Rapid Mortgage. They did a brief look at the situation and stated that it is no longer their problem and that I need to work it out with the escrow department with XXXX and that my monthly payment should be about {$1600.00} a month based on the numbers they are looking at due to tax increase. ( Taxes have gone up a {$1000.00} since closing XX/XX/XXXX due to value of home increase. ) XX/XX/XXXX : reached back out to Rapid Mortage requesting that they correct the error made at closing regarding our Escrow shortage. They estimated our Escrow at {$160.00} a month and this is not enough to cover PMI, Home Insurance and taxes. Therefore, why we are having a significant increase in our monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 formally contacted Transunion by letter on XX/XX/XXXX and XX/XX/XXXX in regards to the following unauthorized hard inquiries on my credit file. 

1. XXXX XXXXXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXXXXXX XXXX   XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX Unfortunately, these items has not been removed from my credit file.

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 2018-02-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Sir/Ma'am, On XX/XX/XXXX and XX/XX/XXXX an unauthorized person went into one of Chase Bank 's branch located in XXXX XXXX , Texas and withdrew {$5000.00} from my checking account. 

1. At time of theft I never lost my chase Debit, hence I was using my card to make purchase not knowing that someone got into my account. 
2. I realized that my account was being compromised on XX/XX/XXXX,  then I informed chase bank. 
3. I informed the XXXX XXXX Police Department immediately and investigated started. 
The police investigation revealed that a lady went into the bank 's ATM and withdrew money from my checking on both occasions ... as captured by Chase bank camera. 
4. The bank failed to call/text me on both transaction during theft. When I asked a chase representative why I was not informed before releasing such a huge amount of money to a theft, the representative told me it was a technical error. 
5. I contacted the chase executive office repeatedly to review my claim and make refunds for the {$5000.00} chase told me since it is a chip-on-trip transaction by the thief, I might have given my card for someone to use for this transaction. 
6. The XXXX  Police Officer that worked on this case during investigation told chase executive office that staffs from within chase bank compromised my account based on her evidence. 
7. According to Police Investigation, transactions I carried out during the time of theft showed that I could not have been at 2 locations at the same time. 
8. It has been almost 90 days since the incidence took place and Chase Bank can not come up with one logical reason why they denied my claim. 
9. I am a XXXX veteran, rely heavenly on that XXXX check for my upkeep and family. If I had sufficient funds I might have taken this matter up legally. 
Please see the attachment below for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender XXXX XXXX XXXX. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. 

I was informed that my loan was sold to Wells Fargo. I received a letter from Wells Fargo dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. 

I spoke with XXXX  Wells Fargo, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from Wells Fargo dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. 

XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. 

Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. 

I sent a letter to Wells Fargo on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed Wells Fargo that I was still looking into other options to address the matter of the annual property taxes.

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 2018-04-28
Company: Diversified Consultants, Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Diversified consultants placed information on my credit report Ive never had a balance with diversified consultants my account with XXXX was paid in full well before it went to collections I paid XXXX directly and as of today XXXX still owe me a balance refund. This is fraudulent this company thinks they can just place things on peoples credit files that are in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
Company name it shows on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX. They were added to my report and they didn't send me any notification. I tried disputing this with experian and they never removed them from my report. Experian allowed this company to remain on my report after the dispute and I wasn't properly notified by mail. I found out about this after it was added to my report. I attached the notification received and the copy of the dispute results without any notification still being sent to me. this isn't right and this company needs to be deleted. This violated my right to dispute.

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 2021-07-19
Company: EQUIFAX, INC.
State: MD
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:
Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and XXXX  BOTH conveniently stated that they only received one letter. ONE LETTER!!

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In 2017, I leased a car for XXXX. I am currently making on time payments of XXXX dollars per month. I recently lost my job and have no steady income to repay the loan. I've made on time payments up until now and will do my best to get back on track.

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 2021-05-06
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Binance.US On XX/XX/2021 I transferred {$20.00}, five times to Bianace.US but 2 transactions failed and {$60.00} was transferred but they took out {$100.00} from my bank account. I reached out the company dozen times through emails and requested for them to refund the money they withdrew from my account but they just keep stalling and they keep saying that they dont see that on their end. As you can see in the attachment, {$20.00} was withdrawn 5 times, I have purchased XXXX crypto 2 times for {$20.00} each, total {$40.00} and there is {$20.00} of cash in the account for total of {$60.00}. It seems that other people have experienced this issue with this company and they are taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
had a collection company name : Optimum Outcomes INC add themselves to my XXXX credit report in the amount of XXXX. I disputed this because I didn't receive any notification on this company at all. I have not been properly notificated I found out when this was added to my credit report. This is against my rights to dispute. Company should not add anything to my credit report without sending me proper notification. Please have this company delected. I disputed with XXXX   and they didn't remove them. Please have this removed. I attached the alert I received on XXXX  and the dispute I requested that was requested not being resolved. 

Company name it shows on my credit report is : Optimum Outcomes INC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
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: Problem getting your free annual credit report

Complaint:
I tried going through the centralized website XXXX and then through equifax to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for equifax. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: NAVY FEDERAL CREDIT UNION
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:
I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In previous disputes the credit reporting agency just investigated what was in their best interest, instead of what the consumer could prove, and they couldn't. On 15 separate occasions I have requested the name and address of the third party entity who provided the information to verify the listing of public record bankruptcies listed on my credit report, case no. XXXX, and XXXX, but in return never answered, instead just respond they investigated it and verified it, without answering the direct questions. In response to this scheme of the credit reporting agencies they added names that weren't mine, in order to support their reporting, while still not answering the questions asked. In furtherance of verifying that the items weren't mine, I contacted XXXX XXXX public records reporting agency, and they provided a letter verifying that the listed items weren't mine, but still ignored by Experian, just the typical response refusal of investigation based upon previous investigations, while still not willing to provide the name and address of the verifying agency, which they still refuse to provide whats authorized by law, the name and address of whom they said verified the existence of public records, but still refused or not provided. 

On XX/XX/18, in report no XXXX, the credit reporting agency, Experian finally did the lawful thing and removed all names that weren't mine, and in that performance, should have been obligated to remove all accounts associated with the names that weren't mine, but they didn't. In an explanation from XXXX XXXX, the name, and last four of the subjects social security number is placed within a computerized program for verification, and since all names that weren't mine, were removed, the accounts that associate with those inaccurate names should be removed as well. In complaint the credit reporting agency is violating the law by not providing the third party entity, the process of verification of such reporting doesn't adhere to the standards of the accurate credit reporting standards, in that last four, and last name isn't a true reflection of verification, and that in response to an inquiry with the us bankruptcy court, no record exist when considering the full social security number and my verified name.

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 2021-07-19
Company: Continental Finance Company, LLC
State: AZ
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 have been trying to dispute a charge on my credit card for approximately 10 days with this credit card company. This charge has caused my credit to be over the limit & created a high usage credit limit alert from my credit bureau report. I have tried to contact this credit card company numerous times only be hung up on after waiting for 30 minutes to 1hour increments at a time. I was told it takes 7 days to receive a credit back for the disputed charge when a call back is received & when I finally received a call back the general customer service number was left for me to call that has a rediculous amount of hold time & it seems as if I'm never going to get this issue resolved. I even called at XXXX & still was on hold for 45 min never to speak to anyone. 

Also, shortly, before this incident I called & requested to have my name changed due to a divorce I called customer service & told them that I think that I threw the card away that they sent me. In response, they sent me a card with a new card number without my knowledge. The representative did not tell me a new card number was being sent. Which could have caused a number of things if I did not look or get the new account in time so I added the auto pay back & made a payment I'm not sure what happened but my payment was rejected & it says the information was not entered correctly & they charged me a {$39.00} return check fee & returned my payment. & just a suggestion maybe they should add a double payment box where you enter your payment account information twice because it seems as though there is always a reason to re enter/ re set up auto pay for every little change to the account. With this in mind, now I have, a unauthorized charge, a returned payment, a {$39.00} returned check fee & im still over the limit as well as the balance is accumulating interest & reporting as high credit usage. Also, if I decide to make a payment due to the possible clerical error they will hold my payment for 7 days. This, I am unable to speak to anyone in regards to this issue but continue to wait for long amounts of time & then to be transferred.

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 2021-07-19
Company: T.S. Holdings
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:
I.Q. DATA INTERNATIO is a company reporting that I have NOT paid off {$1200.00} on my credit. I have paid this company, but they are asking me for a total of {$9000.00} to get it taken off of my credit because of another account that is not on my credit. I tried to contact them to have what was on my credit taken off, but they demand a larger amount than what is being reported on my account. I have the payment latter stating that I have PAID IN FULL. But they still will not remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I submitted a CFPB complaint against Barclay Bank. Barclay 's promised to refund/waive the {$29.00} fee. This fee incurred due to one of my monthly auto-payment being deleted without my knowledge. The bank credited my card however to date has failed to refund the {$29.00} back to the same bank account where the funds originally came from. I provided feedback back to the bank that the funds needed to go back to the bank. They were unresponsive.

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