BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/2021 I talked with XXXX XXXX XXXX of XXXX, because i had fallen a few payments behind and i was scared i was going to lose my home. So i gave them XXXX or XXXX XXXX dollars to start my case and i filled out with my signature a cease and desist form for my morgage with us bank. Then i was suppose to fill out more paperwork and send them more money. They started being real pushy and I suspected fraud right away. So I told them in email i wasnt going to be using there services. And i felt they were fraudulent. Months later when i went to do my taxes. I noticed them on my tax paperwork. I went to the bank, they actually were rude to me as if i was crazy. I felt discouraged and time went by. Im talking to morgage assistance yesterday and they pointed them out on my morgage statement. I had no idea they were on it. I called the bank I told them to take them off of person of contact they are fraud. She told me she could not do that.. Im upset that i never signed any paperwork or any contracts with them and i didnt do any of there obligations they said i had to do in a timley maner. now when i go to talk to my bank they cant help me out. I have proof of emails telling them i was not using there services. I cant believe the bank will quickly put them on my morgage. I have not gave them any money I have been paying the bank my morgage each month to us bank. Im so afraid. They are trying to take over my home. Espacally I never did any business with them. What do i do next?

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My XXXX XXXX  account has been reported incorrectly. I have printed my credit report from transunion XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently transunion reports it opened XX/XX/XXXX XXXX  reports it opened XX/XX/XXXX. Balance reported from transunion XXXX XXXX reports XXXX. High credit reports transunion XXXX and XXXX  reports XXXX. Past due balance is reported by transunion XXXX XXXX reports XXXX. Payment status reports from transunion current while XXXX  reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit transunion and XXXX  have nothing reported. Date last active transunion reports XX/XX/XXXX XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. 

All three credit reports have reported multiple times inaccurate information. 

XXXX XXXX  and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case

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 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent my first letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX to midland funding, llc, since then they has never responded to any of my letters, on XX/XX/2021 nor XXXXthey are in violation of the law by not responding within the 30 days time frame by law. I would like this inaccurate and unverified item deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRUHOME SOLUTIONS, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TruHome Solution LLC I purchased my home in in XXXX through XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Mo.XXXX ( XXXX ) XXXX and over the years it has grown and owns a company to service their mortgages. My home owners contract clearly states that the company would pay my insurances and taxes out of an escrow account. For 12 years this went fine. In XXXX of XXXX I got calls and letters from my home owners insurance company and the XXXX ( XXXX XXXX XXXX XXXX ) that is ran by FEMA about my no payment of my policies. I was confused. I have never dealt with these matters. I called XXXX XXXX XXXX at XXXX XXXX. XXXX in XXXX XXXX to investigate the matter to see what the problem was. They called their mortgage servicing company TruHome Solutions LLC XXXX. XXXX XXXX XXXX, Ks. XXXX ( XXXX ) XXXX and for 6 weeks, I called and called and no one could find an answer to why my premiums were not paid like the many years before. I got one person after another giving me all different answers. By this time I had been cancelled by the home owners insurance and FEMA for my flood policy. After almost months of lying TruHome Solutions admitted that it was a human error that caused the premium not to be paid. This error by TruHome Solutions has all but ruined my life. My home owners policy went up and my FEMA policy is now {$1300.00} more per year I received a notice on XX/XX/XXXX from TruHome Solutions that my mortgage payment would increase in XX/XX/XXXX by {$170.00} dollars. This is ridiculous. I personally talked to FEMA and was informed that I had been under the original policy for so long that it was fixed until I move or the loan was paid off. This {$1300.00} is until the loan is paid resulting in me paying an extra {$26000.00}. This type of gross negligence is unacceptable and I don't have {$26000.00} because of a mistake that was made by someone at the mortgage servicing company. To think that a company would even consider this is totally unacceptable in the eyes of fair business. Since it was the company that caused the problem, it should be the responsibility of the company to make it right. Not with just me but with every customer who ever conduct business with them. I have went through months of calls, letters, and not to mention hundreds and hundreds of dollars to try and make this right. I have gotten new elevation certificates, hired surveyors, called The Corps of Engineers, FEMA, the mapping agencies and the XXXX  .Nothing was to any avail. XXXX XXXX XXXX and TruHome Solutions should be reprimanded but the Federal Government for unfair practices and violating a contractual issue. The contract is a law abiding document and to upheld to the fullest extent of the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2021 I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2019-08-01
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased an item at XXXX XXXX through a credit card issued by Comenity Bank.I received an email from a representative at XXXX XXXX that I would be compensated when the item was delivered to make up for a delayed delivery.I was not charged a reduced amount- I was charged the full price and was not issued any compensation.  After I contacted XXXX XXXX, they issued a gift card but did not credit my account. In the interim, I was charged late fees by Comenity Bank. I called a representative at Comenity Bank and spoke to him for an extended period of time describing the situation.  A significant amount of time passed before  I received a written notice from Comenity Bank that they did not have all the information they needed to process the dispute.  I then had to submit the dispute in writing, which included the email from XXXX XXXX promising compensation.In response to my written dispute to Comenity, they said the late fees, finances charges, and charged amount were all appropriate and said the case was closed.The compensation that was promised only materialized in the form of a store credit after I contacted XXXX XXXX.  The phone conversation I had with a representative of Comenity Bank led to a delay because that representative did not gather all of the required information to process the dispute. During this whole process I incurred late fees and finance charges. They also reported a 30 day late payment to credit reporting agencies in XXXX.  The item was delivered in XXXX and the promised compensation was not issued until after I called to inquire once the item had been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX transferred my loan to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. A mistake was made in regard to my account by XXXX at that time. The issue is that prior to XXXX passing my loan to SLS in XX/XX/XXXX, XXXX paid {$1400.00} in county taxes out of my escrow account thus sending my loan to SLS with a negative escrow of - {$990.00}. However, my county taxes were not paid, XXXX paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by SLS in XX/XX/XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from SLS saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on XXXX part and by a complete lack of due diligence and follow-up from both XXXX and of SLS. <P/>I have sent two letters to SLS, one letter to to XXXX and two certified letters to both LoanCare and SLS. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. SLS keeps saying there is nothing they can do and " it 's my problem '' and they sent me a letter to that effect. XXXX keeps saying they " are looking into in. '' Additionally, XXXX has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XX/XX/XXXX and this has been going on since XX/XX/XXXX. SLS has been absolutely no help at all. Had SLS even bothered to check the numbers on my account at the time of transfer, they would have realized that XXXX had made a mistake. And even with proof that a mistake has occured, SLS says they can and will do nothing.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mailed a letter to Experian on XX/XX/XXXX following up said " investigation '' on XX/XX/2021 report XXXX explaining how they broke the law regarding the furnishing of information regarding an alleged bankruptcy and deletion and I still have not heard back 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 2018-01-28
Company: FACTUAL DATA CORP.
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:
XXXX XXXX pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: DISCOVER BANK
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A few weeks ago I received a letter requesting I contact Discover Student Loans regarding an uncashed checke they had reportedly mailed to me several months previously. The check was getting ready to expire. I did not recall ever getting the check. I called and was advised that a replacement check would be mailed to me soon. Since I did not receive the replacement check, I contacted Discover Student Loans through their website on XXXX XXXX, 2017. <P/>They advised : " I regret to inform you that we can not process your request at this time. We are required to forward the uncashed check amount and your information to the CFPB. '' Therefore, I am contacting CFPB, as instructed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am unable to submit a dispute for a hard inquiry with XXXX. A hard inquiry was performed by Navy Federal Credit Union ( the lender ) without proper disclosure. I was given guidance from the lender that they could not have the hard inquiry removed and that the best course of action would be to dispute it with the credit bureau. However, there is no process for disputing an inquiry through XXXX. This has negatively impacted me financially by reflecting incorrect information on my credit report and impacting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a continuance of complaint number XXXX. 
XXXX A Cease and Desist Notice was sent to Credit Acceptance with a request to validate the alleged debt by proving an audit trail of everything they have as a debt collector to prove that I owe the alleged debt. 
XXXX The Notice was received by Credit Acceptance . Please see the attachment. Also, a representative of Credit Acceptance by the name of XXXX XXXX that holds the tile of Compliance Analyst reached out to me via phone and email, asking to give her a call, which is a violation of 15 USC 1692c ( 1 ) ( 2 ) ( 3 ). I demand for collection activities to Cease and Desist, as well as communication via phone or email.

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 2017-07-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account multiple times within the last year with Commonwealth Finance in regards to this account not being mines and needing to be taken off of all consumer reports. I NEVER have been to the client whom they are trying to bill for, which is XXXX XXXX XXXX, ever in my entire life. This is a false account and demand it to be taken off of my report. The collection agency claims to have taken if off my reports XXXX/2017, but it still has yet to be removed and it 's XXXX XXXX, 2017. I have attached proof from my complaint with the BBB that the agency is to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare transferred my loan to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. A mistake was made in regard to my account by LoanCare at that time. The issue is that prior to LoanCare passing my loan to XXXX in XXXX XXXX, LoanCare paid {$1400.00} in county taxes out of my escrow account thus sending my loan to XXXX with a negative escrow of - {$990.00}. However, my county taxes were not paid, LoanCare paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by XXXX in XXXX XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from XXXX saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on LoanCares part and by a complete lack of due diligence and follow-up from both LoanCare and of XXXX.
<P/>
I have sent two letters to XXXX, one letter to to LoanCare and two certified letters to both LoanCare and XXXX. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. XXXX keeps saying there is nothing they can do and " it 's my problem, '' LoanCare keeps saying they " are looking into in. '' Additionally, LoanCare has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XXXX XXXX  and this has been going on since mid-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 2017-12-29
Company: JPMORGAN CHASE & CO.
State: MN
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:
I have 2 hard pulls from XXXX XXXX XXXX no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2017, Wells Fargo unilaterally and without warning closed my Visa Signature credit card and subsequently terminated XXXX Go Far Rewards (points) associated with my credit card account. WF didn't provide a notice that the account would be closed nor the opportunity to redeem points. If redeemed for cash or statement credit (at 1 cent per point) those points would be worth $XXXX. However, redeemed for airfare at XXXX (my preferred redemption method) those rewards are worth $XXXX. It's not an insignificant sum of money and Wells Fargo essentially prevented me from using it. I reached out to Wells Fargo and escalated my complaint all the way up to Case Management / Executive Office, but they refused to reinstate rewards, let me use them or transfer them to a family account for future use.

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 2017-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX account on my Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. Amount {$0.00} with High/Limit {$300.00}. Opened in XX/XX/XXXX Last Balance Date XX/XX/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