BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with Freedom Mortgage, XXXX XXXX XXXX, XXXX, Ind XXXX ; the mgr. of the Tax Dept is XXXX XXXX. The first problem arose when {$930.00} was required monthly as the escrow payment. The total annual property tax for XXXX is {$8200.00}. The monthly amount should be {$690.00} in 12 monthly increments. Instead, Freedom requires an additional {$230.00}. When we questioned the excess amount, Freedom said they were assuming a large tax increase in XXXX. This assumption conflicts with California law which limits an increase to 2 %. The assessor analyzes property values each year and adjusts the tax bill up or down based on this analysis done between XXXX and XXXX. 
Currently there is {$9200.00} of our money in that escrow account. The extra {$230.00} over six months will be {$1400.00}. We did not want an escrow account as we are able to pay any property tax and did so with other mortgages, paying directly with no deliquencies. Freedom does not allow us to manage the property tax payments although they are doing a poor job and failed to pay the taxes on time. We sent a fax to Freedom with the tax bill in XXXX and asked that the entire amount be paid. Customer Care provided the fax number. The fax was addressed to the Tax Dept. The County tax office confirmed this week that the tax was unpaid and delinquent with a penalty assessed. A call to Customer Care revealed that the fax was buried somewhere in the files and was not forwarded to the Tax Dept. We want the escrow account terminated given the incompetent management. Calling Customer Care is useless as each time you get a different person. We were told to send the tax bill but were not given the correct fax number. Freedom does not issue guidelines for tax bill payment and apparently does not track tax information on the County website where the tax bill, including the Secured Supplemental Tax Bill is  displayed. This is a flawed system that does not work for the consumer. That impound account belongs to us and we are capable of handling the tax bills. Please help us out of this nightmare. There is no benefit to us from this arrangement.

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 2017-12-21
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage co is Loancare. An FHA lender. I bought a home that was taxed at a much higher rate then the home is now worth. I have not missed a mortgage payment. My escrow for XX/XX/XXXX taxes totaled {$3300.00}. My taxes were actually {$1200.00}. I paid my taxes on XX/XX/XXXX. The lender is withholding over 2 months of escrow payments. They currently are holding {$2400.00}. They refuse to return my over payment. They informed me that a new analysis for taxes would be do by XX/XX/XXXX but nothing has been done. They have not communicated to me in any way. I have had to call them over and over for my refund and I have been lied to 5 times regarding my refund.

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 2019-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent several letters via certified mail dating from XX/XX/2019 -XX/XX/2019 to Equifax to corrected erroneous information on my credit file. After they responded to me as verified, I exercised my rights under section 609. Equifax ignored my letter and responded again as verified. I believe that this agency is reporting information that can not be verified neither can I. I also asked for them to update my file with these items deleted and report to all credit bureaus of these erroneous items. Equifax failed to comply and disregarded my request for a credit report mailed to me after this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NY
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:
Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: CA
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:
Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my equifax Credit report theirs is negative item that shows three months past due the account loan is fraud I filed a federal trade commission identity theft report normally equifax will remove the item from the report my social security number is XXXX name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: NC
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 or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to Equifax, XXXX  and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX ( XXXX ), XXXX  ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NV
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:
The problem is with them THE CREDIT BUREAU - EQUIFAX They double billed me. 
I called to complain They made me answer 30 questions to " verify my identity ''. 
They apologized 10 times but never got anything done. 

Made it horrible to cancel the monthly plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chime Bank took about {$7000.00} from my account with no explanation. Ive tried everyone and everything. Ive submitted countless complaints to FDIC, Chime & Other companies who claimed to help or would have a solution and some never emailed or called me back. So Im left with more questions than answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Consumer 's Original Complaint : Started to book on line, decided to cancel, when I clicked the cancell screen went blank, phoned immediately told " nothing we can do '' billed me {$4200.00} On XX/XX/XXXX I went on XXXX XXXX site to book tickets to XXXX. Site gave a price of {$2800.00} so I input my information including credit card info. Then site added another {$1300.00} which was not acceptable so I clicked cancel, but the screen went black. I phone the company but was told there was nothing they could do. Called my credit card company who would not remove the charges because I had no invoice. I never received any tickets, invoice or anything. Obviously, I did not take the flight. Neither XXXX nor my credit card will remove the charges - I never authorized or finalized the transaction and have gotten nothing other than being billed. I want a full credit returned to my credit card and also credit for interest and fees since the charge. 

Consumer 's Desired Resolution : I want a credit of {$4100.00} and the interest that has been added to my credit card balance.

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 2017-12-21
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
RE : Violation of the federal government 's Expedited Funds Availability Act.

**This complaint is about Simple Bank incorrectly treating federally backed money orders and personal checks equally, instead of treating federal backed money orders as a cash deposit like other merchants and banks currently do** ***************************************************************************************************** 1 ) QUESTION : Please state exactly what date XXXX Bank received the {$290.00} in funds from the US government from a federal cash money order deposited ( not a personal check but a federal money order which should be treated the same as cash ) on XXXX XXXX, XXXX. None ( {$0.00} ) of the funds were available until 16 days later XXXX XXXX XXXX, XXXX ). Again, what date exactly did XXXX Bank receive the {$290.00} in funds from the deposited federal cash money order? 
***************************************************************************************************** 2 ) QUESTION : Then state clearly how many days passed after Simple Bank received the funds from the federal government before the hold was released. 
***************************************************************************************************** *Note : The Funds Availability Disclosure of the XXXX XXXX Simple Deposit Account Agreement does not include federally backed money orders which are treated the same as cash by merchants and banks. 

*Note : Simple Bank does not allow for deposits though their ATM network and does not have any physical branches, so XXXX Bank XXXX make allowances for Federal Backed money orders to be treated differently ( same as cash ) than a personal check. 

XXXX THANK YOU FOR ANSWERING THE 2 QUESTIONS WITH THE DATES/DAYS AS REQUESTED *****************************************************************************************************

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate the actions made by the XXXX, Equifax and XXXX Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
Report number XXXX states my name 's incorrectly as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
Incorrect telephone numbers such as, XXXX XXXX, XXXX XXXX. 
Incorrect employers such as XXXX XXXX, XXXX XXXX. 
Incorrect spouse name such as XXXX. 
Incorrect address for example, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. 

My correct name is XXXX XXXX. 
My correct telephone number is XXXX. 
My correct employment is XXXX XXXX. 
My spouse name is XXXX XXXX XXXX XXXX. 
My correct previous address is, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA. 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: Upgrade, Inc.
State: FL
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:
I paid this Credit Card ( line of Credit ) off in full and closed the account. 
I filed for bankruptcy and found that this company had misreported my credit line that I went over my amount and that I put it in my bankruptcy. 
When I called to tell them they disconnected me, When I filed a dispute on the three credit bureaus they still are reporting as put in my bankruptcy, when it was not along with showing my line of credit at the wrong amount and that I used more than my credit limit. 
I just looked up this account and see the account is till open and has been reduced to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-08-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To CFPB, My name is XXXX XXXX and I have a mortgage account with Chase, though Chase was not my initial mortgage holder. My original mortgage has been sold off twice, before ending up with Chase. On XX/XX/XXXX I notified Chase Mortgage Escrow Department ( by letter ) that on XXXX XXXX, XXXX I switched homeowner 's insurance coverage from XXXX XXXX to XXXX at considerable savings. My previous annual homeowners insurance with XXXX XXXX was {$2200.00} ( was cancelled XXXX XXXX, XXXX ) and my new homeowners insurance coverage started same day with XXXX insurance at {$1500.00} annually. That's a {$690.00} difference/reduction in annual homeowner 's cost, thus a {$690.00} reduction in escrow charges over a year 's time. 

In response to my XX/XX/XXXX, letter to Chase, I received a letter back from Chase ( on XX/XX/XXXX ) saying Chase mortgage company would do an escrow analysis of my account effective with my XX/XX/XXXX. It is now XX/XX/XXXX and I have the following COMPLAINTS against Chase. 

In my XX/XX/XXXX Chase mortgage statement the bank only dropped my overall monthly mortgage payment {$14.00}. From {$3000.00} in XXXX to {$3000.00} which is a " gross '' miscalculation. Due to the fact that my overall mortgage payment should be dropped to {$57.00} monthly or {$690.00} annually due to lower escrow charges/homeowners insurance reduction. 

A phone call to Chase escrow department on XX/XX/XXXX did nothing to correct their mortgage billing error and furthermore leads me to believe Chase is " intentionally '' overcharging unnecessary principal, interest and escrow fees to inflate their total monthly charge. Since day one of my mortgage I've paid all monthly bills on time. Never missed a payment. Since day one of my mortgage has had a locked in " mortgage rate ''. And since Chase has taken over my mortgage my " real property taxes have dropped significantly from XXXX to XXXX. Furthermore my " real property taxes '' will not be reviewed again until XXXX. 

Chase has no right to reduce my monthly mortgage payment by only {$14.00} a month or {$170.00} annually when they were notified by XXXX that my homeowners insurance dropped {$57.00} month or {$690.00} annually in XXXX of this year. Furthermore Chase has not offered me a " refund check '' for over billing me the last six months, once they were notified by mail of my XXXX homeowner 's reduction cost. 

So going forward I request CFPB bring this " escrow over billing charge '' to Chase attention and do everything in your power to correct this matter. Big banks do not have the right to over charge mortgage holders, especially those who make timely payments and give proper notice when there is close to {$700.00} reduction in homeowners 's costs from year to year. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern, In 2012 I believe I XXXX Discover card was placed in my name. I have working to get this off my credit for a while. I would receive calls and bills regarding this card but never knowing where it came from. I also tried to pay on it since the bill came in the mail, but it kept being used over and over again. I want this card off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief