BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my VA loan with Freedom Mortgage ( VA streamlined ) and closed on XX/XX/XXXX to lower my mortgage rate only - no cash out. I never received an accurate closing disclosure in advance and only received it at closing. The entire process was chaotic and two loan disclosures provided in advance were not accurate. 

Now my current problem involves home owners insurance. At closing, the company added the full annual amount of my homeowners premium to the loan principal since the renewal premium ( {$1600.00} ) was due on XX/XX/XXXX. ( page of closing disclosure showing premium added to loan principal attached - amount circled ). However, the amount was not added to my escrow account, nor has the payment been made to my insurance company. 

I have emailed Freedom Mortgage twice about the problem : XX/XX/XXXX and XX/XX/XXXX. I received automated responses but never received an answer to my inquiry. Multiple phone call attempts have been unable to reach anyone or unable to achieve any resolution. I have spent more than an hour on the phone today being passed around to different departments with no resolution ( customer service to insurance department to mortgage department, being cut off, starting over, again to customer service to insurance, where I have now been on hold for more than 25 minutes after being asked to wait 2 or 3 minutes while she checked with mortgage department ). 

As of XXXX ( EST ), XX/XX/XXXX, this premium has not been paid to my insurance company and I AM CONCERNED THAT MY INSURANCE WILL LAPSE. 


Thank you for your assistance

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 2020-08-25
Company: EQUIFAX, INC.
State: MO
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 been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX   XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$1500.00} XXXX XXXX {$3500.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-05-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I told this company they could take this money out on the XX/XX/2020 and again on XX/XX/2020 they tried on XX/XX/2020 the funds was not there's they went into my account on XX/XX/2020 without any kind of notice so I called them to ask if they would put the money back because it was the money for my XXXX XXXX XXXX medication and my XXXX and they told me they would not put it back. so I'm trying to get my money back. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Select Management Resources, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Resurgent Capital Services L.P.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions 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:
I have sent multiple letters to XXXX, experian, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before

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 2021-01-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
( XXXX XXXX ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH 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 2018-02-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
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 an entry on my XXXX  Credit Report about a {$250.00} debt to HSBC ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filed a complaint about a week ago but I didnt receive a confirmation so I dont know if I filed it incorrectly but just Incase Im going to submit it again but on XX/XX/18 I received an email saying that my XXXX  report had been pulled for a hard inquiry for my mothers account. I never gave permission to my bank to pull my credit and it makes no sense as to why they would pull mine because Im already a member and already had my credit pulled for my account. The lady from bank told me she also does not understand why they pulled a hard inquiry on me either because I got a hard inquiry pulled for my account earlier in the year. She told me to dispute it with the credit bureau. I know this is all a misunderstanding but my credit dropped 7 points and I got another hard inquiry and I only have two on my report and both are from same company! I was working so hard to get my credit to where it is now because I have been eyeing a card from chase for years which Im just now possibly capable of being accepted for but this hard inquiry and credit drop really change that possibility for me. Please help me

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 2018-02-16
Company: Experian Information Solutions Inc.
State: KY
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 have a collection account with XXXX XXXX for {$300.00} ( Acct # XXXX ) which appears on my Experian Credit Report. This account was paid in full many years ago and it was never updated as paid.

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 2018-07-03
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a XXXX dollar loan out I have paid roughly XXXX dollars. I went on the web site thinking it was paid off, to my surprise the XXXX dollars only XXXX went to the loan. So my payment being paid biweekly was XXXX only XXXX dollars went to the XXXX every pay period. So on a XXXX dollar loan if I didnt catch this I could have payed over XXXX dollars on a XXXX dollar loan. How is that even legal? I would have never gotten this loan if I had known this. When I called the supervisor still wanted me to pay the XXXX. So that would still put me paying XXXX on a XXXX dollar loan. I was never explained that I would be paying interest every other week of XXXX dollars. They have gotten roughly XXXX dollars and only XXXX went to the XXXX dollar loan. This is crazy and how many more people have they done this to. There has to be fraud somewhere.

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 2021-07-05
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was contacted by a collections agency about a debt owned I allegedly owed to them to the amount of {$2700.00} for a XXXX XXXX. How ever in an attempt to valid this debt I received information that violates XXXX law that required the creation of national standards to protect sensitive patient heatlh info from being disclosed without patient 's consent or knowledge.

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 2018-02-16
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 4 erroneous accounts that appears on my Experian Credit report with Account number of XXXX. They have respective balances of {$33000.00}, {$53000.00}, {$26000.00}, {$8500.00}. These accounts are in current status and are duplicates of same accounts which already appear on my credit report as current accounts.

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 2018-09-26
Company: Credit Karma, LLC
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: Personal information incorrect

Complaint:
I tried to apply for my credit report through Carma and indicatrd my social security number is wrong. Also tried to apply for XXXX XXXXXXXX credit card and the same thing happened. It is the correct number..please help. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: AES/PHEAA
State: KY
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:
on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CBC Companies, Inc.
State: GA
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 when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 Good morning Consumer Financial Protection Bureau, I tried to pay my Mortgage with Bank of America this morning through online banking by transferring funds directly to my mortgage account and BOA app would not let me pay. So I called Bank of America to see if there was an error. 

The representative told me that they have transferred my loan to a mortgage company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  this company on the XXXX  websites and if I am correct it says it is not accredited. Also the complaints with this company are very high. 

I would like to make a complaint to stop this transfer of my mortgage to this company. I have struggle to pay my mortgage between the XX/XX/XXXX through the XX/XX/XXXX of each month, but never after theXX/XX/XXXX of each month. I have occurred an outstanding late fee attached to my mortgage but will pay fees off by XX/XX/XXXX of this year. About five or six years ago I applied for HAMP or HARP with Bank of America, they denied the Modification twice maybe even three times. So I reached out to a HUD counseling Non- Profit Organization and they helped me get my loan approved. I now have an HAMP or HARP which is an ARM Loan with BOA. I asked why was this loan approved as an ARM? I was told that is how the loan is set up with Bank of America. 

I really do not want my loan transferred to this company XXXX XXXX XXXX XXXX and I am afraid that they would start an foreclosure status on my home of eighteen years and I am a single parent of XXXX trying to do the right thing. Please assist me with this complaint. If you need additional information I will forward you my email address. 

Best, 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 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of refinancing my mortgage with a new lender and my HELOC with TD Bank required that we fill out some paperwork so that they can file a subordination document. To our surprise, they would take 30 days according to an email to let us know if we filed the proper documentation. They got back to us after 30 days and at this time the rate lock with my new lender expired and the new lender wanted like {$1000.00} to extend their rate lock which I refuse to pay. TD Bank now is asking for more paperwork because of all things the new lenders information is now expired. They refuse to rectify the situation and now they will not refund my {$200.00} that I paid them to perform the subordination as they say its not refundable when in fact they haven't even done anything but look at the paperwork. This is a sham that should not be allowed to continue. 

TD apparently has not provided their employees that are working from home any method of communicating with its customers other than email exchanges. No telephones were provided to solve these issues which continuously extends and frustrates the process of trying to deal with the issue. I have personal knowledge of preparing a subordination from a prior work experience and they not treating customers fairly or properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/2019 I went to a bar and was later charged {$300.00} on my BofA visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XXXX, I filed a complaint with Visa and BofA. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of BofA, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with XXXX and the XXXX with little to no results. I want my credit rating back!!! Thank you!!

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 2018-02-16
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt in question is from XXXX XXXX. I was sued by the debt collector and the law firm started garnishing my wages on XX/XX/18. They contacted my employer without my consent and might have used a third party to obtain my employment history. Never did I mention to them where I work. I called on XX/XX/18 to follow up on this matter but they never did provide the information I requested. 25 % of my wages are being withheld and they have refused to compromise with me on any outside settlement and payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apparently XXXX says I owe them a vast amount of money that they transferred to XXXX which is the collection agency. Ive disputed this is XXXX multiple times and XXXX. It disappears from the credit report and after some time reappears dragging my credit score down almost XXXX points every time it happens. They cant provide me with anymore info other than the info they have is accurate. I currently have XXXX as well so theres no way I can owe them a balance and have service at the same time. The account XXXX is saying I owe this balance on is not mine.

Company response to consumer: Closed with explanation