BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was effected financially by Hurricane Irma and asked Franklin American Mortgage if any assistance could be offered. They provided me 3 months of no payments with the intent do a Disaster Loan Modification to move the 3 payments and the interest to end of the loan. 

In late XX/XX/XXXX I started and applied for the Disaster Loan Modification process with Franklin and made a payment for XX/XX/XXXX for {$1800.00}. I was put on an forbearance period of 3 months with a new mortgage trial payment and APR. Originally I was told that XX/XX/XXXX - XX/XX/XXXX was  the trial period and then it changed to XX/XX/XXXX - XX/XX/XXXX. 

Two concerning events happened during XX/XX/XXXX ... first they had on file that I " Accepted '' the trial period terms when I had never have done that because they never contacted me with the new payment information. After learning this, I did accept the updated payment information. Secondly they did not inform me in XX/XX/XXXX when I started this process that my APR would change, had I known that I may have sought out other means to help myself out financially.

I made the first two trial payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. In XX/XX/XXXX I learned ( they again did not tell me this ) that the lien was not in 1st position that there was a judgement lien against my property for another person with a similar name as mine. I worked with Franklin to get the information and went to my local court house to find out that there are no other liens against my property and the legal information Franklin has are simple court orders from previous years dating as far back as XX/XX/XXXX.

I sent them this information on XX/XX/XXXX and requested an Affidavit to help prove that the persons on the legal document are not in fact " me ''. It has been almost three weeks, I have talked to multiple representatives and 3 supervisors all who can not tell me any information about where the " lien not in first position '' issue is at, and if the information that I provided will correct the issue. I am in my last 30 days of the trial period and the modification  request is showing denied for this reason. If Franklin does not have this lien position resolved by then this could severely impact me financially and force me into a foreclosure because of a false red tape / paper work error. 

At this point due to the lack of communication, cooperation and unwillingness to get me answers to help resolve a simple issue, I feel like I am fraudulently being force to foreclose on my property.

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 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My bank, XXXX, sent a payment on XX/XX/21 to Bank of America in the amount of {$3300.00} to pay off my account. XXXX says that Bank of America processed the payment but they say they never received the payment. I contacted XXXX on XX/XX/21 and they gave me Trace # XXXX for reference. Bank of America said that is a number only good for XXXX. I opened a " payment error inquiry '' with Bank of America on XX/XX/21. I received a letter dated XX/XX/21, right days later, saying they have no record of the payment, even though they told me it could take up to two billing cycles. I called XXXX because Bank of America said to but they are not willing to help me. Neither XXXX nor Bank of America are willing to do anything further for me. 

I don't know what to do because now Bank of America says I am behind on my account and wants a payment I don't have right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ACCOUNTS was sent a letter certified mail on XX/XX/2020, with regard to a debt that appears on my credit report for XXXX XXXX : XXXX that was changed to XXXX on XX/XX/2020. CAPITAL ACCOUNTS was given 14 days to respond with validation for this debt, but as of today has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested requested verification and validation of debt per my right under the FDCPA section 809 A and B. The information being reported on my credit report is not mine and I am requesting proof these account are mine. I am aware of my rights and will seek actual and statuary damages to protect them for each violation. This company has failed to provide this documentation to me in a timely manner. If the CFPB can not help me then I will have no other choice than to hire an attorney and sue for damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A new hard inquiry was made on my XXXX account for a Chase card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I deposited {$500.00} on XX/XX/2021 to a robinhood account. On XX/XX/2021 they informed me they did not recognize my account any longer and asked for proof of identity. I sent them my SSI number, birthdate, zip code, address, phone number, picture of drivers license, exchanged over 20 emails with them and they have frozen and locked me out of my account. They are not letting me close the account and they are witholding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: AZ
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:
I did not apply for loan with XXXX and can not get any information regarding such loan when asking for documentation the company university XXXX XXXX just keeps putting in a email to there own employ who is in charge of XXXX affairs and she does not respond with any information about this loan. Every time i dispute this on Experian  it comes back as accurate and will not be removed off my credit report. 


This is a email showing that the brr has called on XXXX XXXX, XXXX of XXXX and on the XXXX of XXXX asking for the promissory note to be sent to him showing he did sign up for the loan. To this day we have not gotten a response back yet. 

If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, XXXX XXXX Customer Service Representative XXXX, a XXXX company Phone : ( XXXX ) 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 2020-10-10
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Acura financial services was supposed to send my excess payment of total around {$640.00} I contacted them at least 8 times to resolve, always they say they will send it soon and nothing happens. I am working on it from XX/XX/XXXX to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bank of America is stating that I missed a payment in the month of XX/XX/2020. And is reporting this late to my credit report. I made 2 payments in XX/XX/2020 after I came out of COVID deferment, that I had set up back in XXXX/XX/XX/2020 when COVID hit, thinking this caught up all my payments. I have had a death in the family, in my country of origin ( XXXX ) due to COVID ; I assisted with a funeral and, when I returned, there was a late pay on Bank of America auto loan on my credit reports. This is daunting, frustrating and out of my control with these people, not forgiving a mistake with a pandemic that was going on last year. I dont understand, how they can not remove a late pay from the credit report, as I have NEVER been late with my credit, with my account and I have advised them, that I can provide proof of all these events. This is unethical business practices as, Ive seen numerous people, have these issues rectified with their creditors. All I am asking is to remove 1 late pay, that was an absolute mistake, with me being out of the country and making the 2 payments on the statement attached. This is absolutely disgusting business practices, that keep people oppressed, when you CANT be forgiven for a mistake. I have spoken with several people and I have no choice but, to contact the CFPB, as a viable entity to address this circumstance. I have called and called, and this falls on deaf ears. Im trying to refinance my home and got a denial behind this cause, of this 1 late pay. I dont understand how a company of this magnitude can not assist their customers, in a time like this where everything is out of our control. I had a PERFECT payment history with these people and they have decided to not assist me with this matter. I hope that with this complaint, we can correct this issue and move forward from this so, that I can lower my mortgage and get a better rate. Im struggling as XXXX  been detrimental to my finances and I need this to be removed, to lower my mortgage. Please CFPB i hope you can be so kind to get to the bottoms of this and, maybe potentially, help these banks change their standards of dealing with their customers, in these difficult times. They have no problem charging interest rates and fees, then also want to prevent you, from being able to obtain better interest rates/loans/etc from elsewhere. This is a not the way business should be conducted. I have seen the majority of other banks, help my friends and family to remove late pays, fees, etc, due to these hard times and the only response for Bank of America is we only report accurate information. You are the Bank of America, and you are supposed to help Americans, not just take from them.

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}

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 2020-10-12
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX XXXX XXXX  On my XXXX credit report for the year of XXXX it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my Experian credit report it shows XXXX XXXX XXXX as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the XXXX XXXX it shows XXXX as late on my experian report but on XXXX it shows current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: MA
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 have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ive been calling XXXX and transunion to remove hard inquiries from my report. my social security number and other information was stolen in around XXXX XXXX the credit bureaus refuse to remove the hard inquiries i have requested.

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 2021-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX we experienced a catastrophic flood. Our first mortgage is with XXXX XXXX and second mortgage is with PHH ( formerly Ocwen ). We had to incur a third mortgage from the XXXX to complete the repairs while seeking a supplemental from XXXX. The repairs were completed in XXXX, passed inspection, and claims with both mortgage companies were closed. After a lengthy legal process we received a supplemental check for {$50000.00} from XXXX in XXXX. These funds are to be applied to our XXXX loan to avoid a duplication of benefits. XXXX XXXX endorsed the check as required but PHH is refusing to. Instead they incorrectly opened a NEW claim and are requiring the funds be placed in their own escrow account. My attorney and I both explained and provided documentation this is not a new claim and forwarded them additional documentation explaining how XXXX will handle the funds. PHH is still refusing to endorse the check. These funds belong to the XXXX, our attorney and us, in that order. XXXX XXXX seems to understand that as the first lien holder but PHH does not seem to grasp the concept. 
We have never been late on a payment with either mortgage company or the XXXX. We are simply trying to get this supplemental check applied to our XXXX loan as the XXXX legally requires us to do. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Back in XXXX I had sent a letter with enclosed documents supporting my claim that your company had reported a number of incorrect data. 

I do not understand why your company is reporting the wrong address when XXXX and XXXX are all reporting the correct address. I need you to attend the following shown items on my credit report in which you have provided incorrectly. 

The previous listed address is incorrect. As well as the employer that is listed on my report. I have never lived or have been associated with the addresses you reported. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-05-04
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was the account holder in PrimeLending. I recently refinanced my loan with another lender. A payoff letter was issued by PrimeLending with effective date from XX/XX/XXXX to XX/XX/XXXX and the refinance was closed on XX/XX/XXXX successfully. The title company wired the fund on XX/XX/XXXX, and the funds where confirmed received by Prime Lending at XXXX XXXX. 
On XX/XX/XXXX, 6 days later ; the wired funds where returned to the title company without ANY explanation as to why. I have since learned that Prime Lending paid the invoice for my old home owner insurance on XX/XX/XXXX ( after they received the payoff from the title company ). And now my mortgage was sold to XXXX XXXX XXXX XXXX XXXX by Prime Lending on XX/XX/XXXX. 
I need a response to this complaint as soon as possible my entire refinance process is in jeopardy and I may lose my new rate AND cost significant money already spent on the new loan. Please provide an immediate resolution to this.

Company response to consumer: Closed with explanation