BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
I am not affiliated with the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, OH   XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX  , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2021-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in four days and its been over four days as you can see on the FTC REPORT I sent it XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2019-02-06
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received from my mortgage company a statement of my Escrow Account Projection for the coming year in the mail the end of XXXX XXXX.that 's when I noticed that my mortgage payment had increase {$170.00} dollars more than it was so I decided to call to see why my mortgage has change I was told that my city taxes has increase from {$9.00} to XXXX and I need to find out from my city taxes department why the increased. I called my city taxes and I was informed that my city taxes didn't going up. So I called my mortgage company back informing them that my city taxes company said that my taxes did not go up and the responds to me was what they paid the city and that my escrow account was low. Then the mortgage company asked can I get a copy of my city property tax paper to send to them and they would work on resolving the problem with my mortgage increase. But as of today XX/XX/19 they have not fixed my mortgage payment and had to paid them for 2 months mortgage and put money in my escrow account because their pay by phone services did not apply my money to my account and I was not informed or notify until I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
I checked my credit report and there is a resolved and closed account issue that has reappeared threw another creditor by the name of ( Commonwealth Finance ) .This account was closed by the creditor ( XXXX XXXX ) and submitted to the necessary credit report agencies for permanent deletion from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY 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 2021-11-17
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
XXXX XXXX - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

JPMCB CARD SERVICES - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to XXXX on XX/XX/XXXX with my significant other, while staying there on XX/XX/XXXX I got a fraud alert from my chase credit card to which I responded and then contacted as advised via text. I spoke to an agent and quickly got the issue resolved ( which I appreciate greatly for there protection ). Two business days later I received my new card and continued my usual routine. On Wed XX/XX/XXXX my credit card gets declined w/o warning, I ask the clerk to try my card once again and it gets declined a second time. To my surprise I do not get a fraud alert or anything via text so I call. I speak to someone on the phone at about XXXX XX/XX/XXXX and he tells me that they decided to close my account but he had no information. I decide to call later that afternoon around XXXX and I get told that they are closing my accounts because " our affiliate is ending its banking relationship with you '' and nothing else that there is nothing that I can do and to wait for a letter. Today XX/XX/XXXX I get a letter dated XX/XX/XXXX stating nothing more than " our affiliate is ending its banking relationship with you '', so I call and speak to n account supervisor, she states that chase is closing my accounts because chase, chase bank, XXXX XXXX, or one of its affiliates has ended an account with me so that they are doing the same. I told the account manager that the only other account I've ever had with chase was the credit card that was closed a week earlier due to fraud, she stated that there is nothing more in the file and that they were ending our relationship ( end of conversation ). As a client for 17-18 months with a credit line of around 40,000 I am appalled to not get any reasonable explanation, I have excellent credit, always pay on time, and had just made a few payments earlier this month. I asked many a time if it might be a clerical error due to my other account being closed and they say they will not do anything in regards to my accounts. For a business with that high of a status and reputation I think it is negligent to brush off a loyal client off like that without trying to resolve the issue ( I even tried to get my mortgage with them but had offered me too high of an interest rate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my wife and I were able to pay off our mortgage that was held by XXXX XXXX XXXX. In XX/XX/XXXX we opened a line of credit with XXXX. We borrowed {$30000.00} to repair a rental property we own. XXXX has done a lot wrong with our contract, changing most of it without consulting us. 
Early in XXXX XXXX started referring to themselves as my mortgage company. Because we have no mortgage ( paid off in XXXX with XXXX XXXX XXXX  ) I questioned XXXX about what they thought they were doing. I accused XXXX of predatory lending and started looking for a attorney to help me with this issue while I continued paying on the account. On XXXX I got a letter from Select Portfolio saying. they will be servicing my 2nd mortgage account. I called select portfolio and spoke with, XXXX XXXX. I told her I was seeking legal help with XXXX and to please wait until my complaint against XXXX was addressed. I continue paying XXXX but stopped when XXXX returned the last two payments  I sent them. I felt that going forward with an innocent, Select Portfolio would leave my wife and me Unable to recover position. So payments did not go to Select Portfolio, ever.Now Select Portfolio is attempting a foreclosure. They dont hold a mortgage for this property. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I have received a tax notice from the XXXX County Office on XX/XX/XXXX. The notice advised us of the delinquent tax lien on the property in the amount of {$1100.00}. The notice advised that if we do not cure the delinquency by XX/XX/XXXX the property will be sent for a title search which will add {$350.00} to the amount already owed. The notice also states the property is marked to be on the XX/XX/XXXX XXXX County Tax Sale on XX/XX/XXXX. 
I have gone to the XXXX County office and discussed this matter with both the County Clerk and County Treasure. The clerk has advised me these delinquent taxes are due to taxes owed in XX/XX/XXXX ; however, my husband and I purchased the property in XX/XX/XXXX. 3 years later! The delinquent taxes are owed by the previous buyer. We advised both the clerk and the treasure of this matter. They have advised me the delinquent taxes should have shown up on the title report presented at closing, therefore my husband and I are responsible for these costs. We were advised the title was CLEAR by the title company at closing ; however, this seems to remain untrue. This is a clearly violation of our Title Insurance Policy!!!!! If you look under the Covered Risks in your insurance agreement it clearly states under section 8. Someone else has a lien on Your Title, including a : LIEN OF REAL ESTATE TAXES OR ASSESSMENTS IMPOSED ON YOUR TITLE BY A GOVERNMENT AUTHORITY THAT ARE DUE OR PAYABLE, BUT UNPAID. The city of XXXX has a tax lien on the property that we were unaware of! 
Please accept this as a formal claim. According to the documents we signed at closing we were promised and have the rights to a clear title. I do not know what the discrepancy is here whether it is with title company or the county but my husband and I do not and should not have to pay for these delinquent taxes. This is an urgent matter as we are about to be homeless by a discrepancy that we were unaware of. We demand some kind of legal action to take place. Please fix this matter as soon as possible. My husband and I are willing to provide you with whatever is necessary. We should not lose our house due to a mistake made by the county or title company. Thank you for taking the time to research this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Eagle Home Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a new construction home and utilized the builder 's preferred lender XXXX XXXX XXXX. The day before closing, I questioned the amount being escrowed for taxes as well as the amount due at closing for prepaid taxes. The company loan officer revised the estimate of annual taxes and the monthly amount escrowed based on the calculation provided by the builder 's closing attorney for new construction in XXXX County, Georgia. This revision resulted in a {$550.00} decrease in the estimated annual taxes and lowered the monthly payment by {$46.00}. However, 7 months of prepaid taxes were required at closing. 

On the CFPB website, it states that " Before your loan closes, the lender will estimate the total annual expenses that need to be paid from the escrow account. You can be required to pay a part of the estimated annual total in advance, but no more than a maximum of one-sixth of the total ( this gives you a two-month cushion ). On top of the cushion, every month, your servicer can require you to pay one-twelfth of the total annual escrow payments the servicer reasonably anticipates paying out of the escrow account. 

I escrow my taxes and insurance. I paid a full year of my homeowner 's insurance at closing and 7 months prepaid taxes. My insurance is {$570.00} annually. My taxes are {$4100.00}. The amount escrowed each month is {$390.00} or {$4700.00} annually which is the total of my taxes and insurance. 

The law limits lender 's to receiving no more than 1/6 or 2 months of a cushion for escrowed expenses. I paid an entire year of my homeowner 's insurance in advance and the lender collected 7 months of prepaid taxes at closing. The lender received a 12 month cushion for my insurance and a 7 month cushion for my taxes. The loan closed XX/XX/XXXX and taxes are not paid until XX/XX/XXXX. 

I have requested of the lender to return 5 months of my prepaid taxes, but they would not and stated that " this is how we closed all the loans with this builder ''.

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 2020-05-07
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
i had an international transaction done over XXXX and i purchased XXXX $ worth of goods and the tracking just says labeled created even though i paid for XXXX XXXX and the user has blocked me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: IL
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:
We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit 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 non-monetary relief
Consumer complaint received 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: TN
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 ask Equifax to delete this account because it was open by fraud they have yet to remove it this account has hurt my good name and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: HI
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: Problem with personal statement of dispute

Complaint:
Hello, I am currently on XXXX XXXX as a XXXX in the United States XXXX with service in XXXX XXXX XXXX. 

I was selected to represent the U.S. Government in XXXX from XXXX XXXX to XXXX XXXX. 

Conditions were austere and I had very limited access to electricity, the telephone, or the internet. 

Prior to my XXXX I was in the field in a secure environment, for over 30 days, with limited communications, I then XXXX to XXXX in order to facilitate the building of a relationship with a key strategic partner. Unfortunately, I had a XXXX dollar charge on a otherwise zero balance credit card, I have never missed a payment in my credit history, and it lapsed for 60 days. I was unable to receive notification of the debt, nor did I have the means of paying the XXXX dollar balance, due to the austere conditions of my XXXX. 
I have contacted Citi Bank on multiple occasions, providing them with documentary proof, and have been ignored, rebuffed, or shunted to the credit agency. The credit agencies then will direct me back to Citi.

My credit score has dropped by about 60 points over a XXXX dollar charge and it effects my livelihood and security clearance. Any assistance or guidance would be appreciated.

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 2021-11-30
Company: EQUIFAX, INC.
State: LA
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 mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, Equifax, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, XXXX, Transunion ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2018-03-27
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX received next monthly payment notice, which is common. However, because Specialized Loan Servicing doesn't want to understand, listen or even try to mitigate the problem regarding escrow account. On the monthly statement, they have included two billings for fees against the escrow account. 

XXXX XXXX XXXX ( XXXX ) transferred my mortgage loan to Specialized Loan Services ( SLS ). XXXX said they passed on all the paper work about the loan, including the paperwork showing the State of Oregon paid my property taxes. SLS said they didn't find the paperwork regarding the property taxes, which I suspect is a lie because they didn't look for it, and furthermore ignored the information relayed to them about Oregon paying the taxes. I talked twice to a gentleman about the issue, provided all the contact information for the Dept of Revenue on the tax issue, and they ignored this, too. They provided a notice that said the issue could be brought up to date if a payment of {$1000.00} was submitted. Again, it appears they have ignored all that has been said to them. The State of Oregon reviews the tax payment issue every two years, and this is that time again. Oregon has acknowledged receipt of the paperwork for re-certification for payment. The approval will not be issued prior to XX/XX/XXXX.  Once received, a copy can be forwarded to SLS, but I suspect they will feel entitled to fees. In the mean time, the Principle and Interest have been paid on my mortgage based on prior data. But SLS feels a penalty is due. They will NOT receive any such penalties, because a course of action has been provided, but they have thus far ignored everything. 

SLS isn't listening to me, and it appears my case is not original. This can be rectified, but on terms suitable to the situation, and not on terms where SLS charges a fee on almost everything they do. The money for escrow is available, or the State of Oregon can issue a payment schedule for the taxes due in XX/XX/XXXX. There was prior documentation that this was done in the past with XXXX XXXX, but SLS has chosen to ignore and disregard this procedure. Any and all explanations and data provided to SLS have been ignored, because I suspect their sole objective is to thrive on fees, to which they are NOT entitled. 

The underfunded escrow can be brought up to date. But it's all subject to government agencies providing paperwork or funds. The property taxes will be paid, it's a matter of timing, and this has been explained in detail to SLS. It's all fallen on deaf ears intentionally. NO FEES WILL BE PAID. PERIOD.

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