BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I deferred {$3600.00} ( three payments x $ XXXX/month ) on my FHA Mortgage serviced by Home Point Financial Corp. This was due to a Covid-19 loss of income situation as allowed by the CARES Act. 

I promptly contacted Home Point to end forbearance and to resume payments. I requested and received Partial Claim documentation via XXXX  from Home Point and understand completely that a second lien will be required for {$3600.00}, the amount of the deferred payments. 

If you look at the Uploaded document prepared by Home Point and received by me, the amount of the second lien is in excess of {$6100.00}, nearly {$2500.00} higher than the amount deferred. This is a binding document and can not be changed once signed/notarized. 

I have remitted the upcoming month 's payment in-full and the amount of deferred payments are the only outstanding balance.. I understand there may be a small amount ( {$120.00} or less ) charged by Home Point for preparing documents and providing a return XXXX label for my use. However, a {$6100.00} second lien as written in this binding document for deferring {$3600.00} is egregious and absurd. 

Thank you for reading my compliant. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. 

On XX/XX/2018 I received a message on my XXXX  XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. 

On XX/XX/2018 I received an email stating that XXXX   XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX   XXXX  hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX   and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently refinanced mortgage with XXXX XXXX XXXX XXXX ( XXXX ). The mortgage was previously held by Dovenmuehle. The mortgage/refinancing was completed XX/XX/XXXX. XXXX, XXXX XXXX XXXX was the law firm involved. 
Due to timing ( XXXX period ), taxes are due so the new mortgage holder ( XXXX  ) required I wire money to cover the escrow. In turn, all parties ( XXXX, Dovenuehle, Law firm ) all advised me that once the loan paid off with old holder ( Dovenmuehle ), I would receive a refund of the escrow account I had with Dovenmuehle within 15 business days. 
Dovenmuehle confirmed loan paid off XX/XX/XXXX in amount of {$320000.00} and escrow of {$10000.00} would be refunded to me via check in 15 days. I still have not received the escrow refund and I have spoken with Dovenmuehle several times. 
On XX/XX/XXXX, I spoke with XXXX of Dovenmuehle ( they don't give last names or any other identifier like agent number, etc. ). He said I would have the escrow refund by XX/XX/XXXX. On XX/XX/XXXX, I called to report that no check arrived and spoke with XXXX. She told me check hadn't been sent but could/would not explain. She put in a request to process the check. On XX/XX/XXXX, I spoke with XXXX. Same story, check not sent and she would put in another request. I then spoke with XXXX and her Supv XXXX. Same story. The reps all tell me the only thing they can do is put in a request and for me to check back in 5 days. This has happened repeatedly. I asked to speak with the dept or individual who worked my loan and I'm told they can't give names or other dept contact info. I asked the rep to send me an email confirming she made the latest check request and am told they can't send outbound emails. I asked for a call back and was told they can't make outbound calls. Bottom line is Dovenmuehle is supposed to have already sent me the escrow refund check for {$10000.00} and I don't have it and every time I check I have to start all over - rep claims they update system to request check which has 5 day turn around time to issue check and I have to call back only to find out nothing has happened in terms of refunding the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: NV
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:
Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I applied for an installment loan at CashCentral of South Carolina XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$1700.00} and my payments are {$340.00} a month. I have paid back {$900.00}. XX/XX/XXXX I lost my job. I made XX/XX/XXXX and XX/XX/XXXX payments. In XX/XX/XXXX Cash Central tried to take out the payment muliptle times which incurred NFS fees at my bank in over {$300.00}. I contacted them to see what my options where due to me being unemployed and they told me they dont work with anyone no matter what the situation. I still am currently unemployed. Cash Central has continued to harass me regarding this loan and is unwilling to work with me. I also found out my interest rate is around 400 % which is illegal in the state of North Carolina which I am a resident of. I was unaware of this type of interest rate. I know I signed documents but they rushed me so that I couldnt even read anything within the fine print. I feel taken advantage of completely I am writing this complaint to say I would like the rest of the loan to be considered paid off and for them to stop harassing me with phone calls. I am a resident of North Carolina who has been a victim of a shark loan and harassment from Cash Central.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 information incorrect

Complaint:
XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f

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 2018-07-27
Company: General Motors Financial Company, 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:
Vehicle was deemed a total loss after hurricane harvey and gap insurance paid remaining balance but it was reported as a repo and my credit score dropped XXXX points ... .the balance was paid in XXXX {$220.00} and it is still not been removed. This was a natural disaster area and they put my payment history as late ... as a result my interest rates have skyricketd

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a private XXXX XXXX. American Express is denying me banking access due to not having a social security number and reporting to the credit bureaus. I have given them Notice from the secretary of state showing i am a secured party. I have also given proof that I have no MLA obligations or affiliations. They told me i would have to get foreign credentials to get access to credit and banking. They securitizing my credit. They are restraining my trade. They are violating the Equal Credit Opportunity Act. I am a beneficiary of a trust and a federal consumer with guaranteed rights that are being illegally violated and causing me harm. Application refrence # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Initially when this account was past due, I attempted to make payment arrangements that I was able to afford since I was not working. Capital One refused to accept any payments unless they were the full amount that they were requesting. This caused the account to go into collections. Fast forward to now, Capital One has sold my account to a collection agency who is still not accepting what I am able to afford. This account is ruining my credit and I have had no issues paying all my other debts. This one is completely keeping me from having financial freedom and I have attempted on many occasions to resolve this debt but they will not accept my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank - they call no less than 5x a day, have contacted my husband several times, my sister-in-law, my mother-in-law, etc. I have asked them several times to quit calling other people to contact me, I've also sent documentation showing the account as paid and the debt not owed. PLEASE HELP ME MAKE IT STOP! They are ruining my relationships and my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They have blocked access to my {$600.00} stimulus funds I am receiving errors on Money Network automated system and online account which blocks me from obtaining my {$600.00} stimulus money. I have called 8 times and each time the issue is unresolved. I have been told each time a supervisor will call back in 24 hours, but I have never received a call back. I have tried multiple times to transfer money in my account and it errors out and the agent says my bank refused this electronic transfer, however my bank has no record of any bank transfer Ever being attempted. I have verified the bank account number and routing number and it is correct. I just want my money. I have spent over 8 hours on hold for these many calls. At one point I also asked for a check, however the online account shows no evidence of this and you are unable to request a check online. And as far as ATMS, I am XXXX and would only be able to drive up to an ATM, however every ATM in there network is inside a store where for health reasons I can not go. I find there ATM network discriminatory and there customer service severely lacking. Please help me obtain my money. I am highly suspicious that this is purposefully done as to be able to hold on to your money as long as they can ... This is an impossible situation That I am unequipped to resolve.

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: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance, a car financing company, reported to XXXX, XXXX  and XXXX that I was 30 days late in XX/XX/2020 for acct # XXXX. Before my payment was due, I called the company to let them know I was affected by the XXXX. I requested for help and if I did not receive my unemployment in time, could they mark my account as " Affected by Natural Disaster ''. 

Credit Acceptance instead, reported my account as late, which dropped my credit score 85 points, I'm so sad. I contacted credit acceptance and they refused to change the reporting. This late payment has affected my Excellent payment history with them. Please investigate the inaccuracy of Credit Acceptance reporting of my 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 2020-10-30
Company: Experian Information Solutions Inc.
State: OR
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:
On Friday, XX/XX/XXXX, I received notification from Experian of an email address change for my account with them. I did not initiate this change. My account was taken over. In an attempt to reset my credentials online, I discovered all the hacker needed was access to my email address, DOB and SSN. These XXXX pieces of confidential information have obviously been compromised. There is no obvious evidence of anyone unauthorized accessing my email ( although I acknowledge they are very capable of covering their tracks XXXX. On the Experian site, I also observed a partially masked email address of XXXX ( not my email address ) confirming their assertion changes had been made to my profile. Although I replied to the message I received from Experian, and sent an additional notification to the email address provided in their automated message, Experian does not have a phone number to speak to a human about this matter. Instead, I am left to contact each creditor and find apply all protections available to me with no assistance from Experian. They made this problem possible. I'm left to clean it up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Stated that there was no evidence of a predatory loan and not helping as a result. Just continuing to place me in predatory modifications.

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 2020-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX

Company response to consumer: Closed with explanation