BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello in XXXX of this year, we refinanced our home and we got switched to a different loan mortgage service/company called XXXX mortgage. 
We live in a flood zone and we are required to maintain flood insurance. 
My flood insurance was due to renew on XX/XX/2021 and my premium was {$1400.00}. 
The Morgage servicer requested a copy of the coverage continuace and declaration page. I forwarded the request to my insurance broker rep XXXX XXXX XXXX XXXX at Florida XXXX XXXX XXXX and asked they send this to my mortgage servicer XXXX 
I continued to receive cancelation notices from my flood insurance carrier XXXX andI continued to let Florida all risk that they need to reach out and get this resolved. 

Finally On XX/XX/2021 I called XXXX my mortgage servicer that holds my escrow and I called XXXX XXXX risk on recorded lines to ask that they pay my policy and i confirmed the loan servicer had the funds to pay the flood insurance. All parties were aware that the payment was due no later than XX/XX/XXXX or I would be canceled. 
The payment arrived and posted on XX/XX/XXXX. 

XXXX refused payment and has canceled my flood and will not reinstate me. 

If I Reinstate my new premium is going up to {$3100.00}. ( double ) I need help my money was in the escrow and should of been paid on time with along with my homeowners which they manage to pay on time without issues. 

Attached are all documents sent to XXXX  mortgage. 
Thanks XXXX And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Aspen National Financial, Inc.
State: NV
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 debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section XXXX of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank of America XXXX Debit Card, on XXXX called bank to find out my account was closed, never received any notice about account was gone close, with fund on my account, Ive contact Bank of America couple of times regarding my funds, and I been told to contact XXXX XXXX so on XX/XX/2021 sent a claim regarding my funds, and I was told again to contact Bank of America XXXX on XX/XX/2021 contact the bank again and told me the same thing contact XXXX XXXX am just back and fourth, I just want to get the remaining of my funds from a close account.and the phone number I was gaven from th XXXX to contact XXXX XXXX is not in service. 
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 2015-08-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I began receiving bills from Experian XXXX XXXX with the merchant number XXXX CA & XXXX CA on my XXXX XXXX XXXX XXXX XXXX starting in XXXX, 2015. I did not authorize this transaction. Since I rarely use the card, I did n't notice the billings until I started to receive notices from XXXX that I had an overdue account billing. I contacted both XXXX and Experian to settle the issue. 

Experian cancelled my account which had been opened with my credit card number, but under a different name. The company did not, however, remove the balance from my credit card. XXXX in turn had cancelled my card, and issued a new one. The balance remained however, totaling {$93.00} as I file this complaint. XXXX also declined to remove this balance off my account. 

On Wednesday, XXXX XXXX at approximately XXXX EST, I contacted XXXX via telephone to settle this matter. The XXXX customer service person I spoke with eventually called Experian, and thus began a XXXX conference call. The Experian agent indeed noted that the existing balance was opened under a different name than mine, and the account had been closed, but that it was company policy to not issue a refund. The XXXX representative informed the Experian representative that the call was being recorded. This did n't sway the Experian employee, and I asked to speak to a supervisor. 

A supervisor named XXXX, ID # XXXX, confirmed what the previous representative said, that despite me being the victim of a credit card theft, they would not issue any refund of the amount that had been billed to my original XXXX credit card. Experian left the conversation, and I was transferred to another XXXX agent who specialized in fraud investigations. I was placed on hold, and the call was dropped. Since then it had been has been four business days since then, and XXXX has made no effort to contact me regarding this credit card fraud issue. 

I did not under any circumstance, authorize Experian XXXX XXXX or any of it 's subsidiaries to bill me for services. I did not need, nor do I want, any of their products. Their agents admitted as much, that the billing was made under a different name than mine, but refuse to remove this bill, citing " company policy ''. I do n't see how an obvious case of fraud can be ignored. I am also greatly disappointed in the actions of XXXX, who constantly bombarded me with emails and phone calls to remind me to pay this bill, but can not be bothered to contact me to resolve this case of fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX APARTMENTS OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.

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 2016-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX & XXXX BLOCK/METABANK/EFS Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX ACCEPTANCE Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX CREDIT ACCEPTANCE Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian

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 2020-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Citizens One Bank is not helping there customers who are furloughed due to vivid 19. There forbearance program defers 3 payments and at the time of your 4th payment you must pay the entire sum back. They are not offering a deference to The back of your loan like many other reputable banks. The whole point of the care act is to help consumers, this is not help in fact it will set up foreclosure for many.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent certified letter to Gold Key Credit/Collection to verify debt that is not mine no response to date they had XXXX collection accounts and only deleted XXXX but still has not sent any verification of the debt for the other XXXX nor have they removed from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Paypal Holdings, Inc
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: LA
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 XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is line item, after line item, linked to my credit history that belongs to my former spouse. For example : filing for bankruptcy on a house I never owned, to bank accounts not in my name, credit cards, among many others, has somehow become attached to my credit history. I just discovered this information in a recent credit report request. It 's never shown up before. Why now? How do I remove this from false information from my credit history? Is this the only site that I can place this information? I am supporting my XXXX children and have suffered from this false reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$240.00} SXXXX XXXX Balance Owed : {$0.00} Late open XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Service Finance Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Service Finance Company , LLC secretly charged my account various fees when a 3rd party inquired about the payoff balance. According to the contract I signed with Service Finance Company , LLC, there are no fees related to pre-payments / early payoff and in addition, I did not receive any fee disclosure from the company regarding any fees related to the early payoff and/or inquiry. 

If Service Finance Company , LLC charges fees for 3rd party requests they should charge the 3rd party or must reach out to loan holder to actually confirm and communicate any additional charges ( hence " Fee disclosure '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: SecurityNational Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a XXXX and have been trying to close on a house for a client since XXXX XXXX. It has been over 115 days since the lender has had the contract. At first they loan was for a VA loan. A few days before we where supposed to close the lender says that my client does n't qualify for a VA loan. Something that should have been figured out in the Pre approval process. Did you serve two years or more? Or did you do a full tour? My client did n't meet that requirement. But he paid for a VA appraisal. So then we switched the loan to a FHA loan. We extended the close another 30+ days and extended a again after that. The sellers where very nice in extending and they had a contingent house based on the closing of this transaction. The FHA appraisal took forever and once it came back did n't get uploaded correctly. With all of the issues that this loan has had you would think that the lender would have been in constant contact. I heard from the loan officer 4 times on the phone after I would have to call him repeatedly to get a answer. I went over his head to the branch manager and she did n't know anything was wrong with the loan. The Lender had no since of urgency in getting this transaction closed. With the lack of communication from the lenders and that they kept making promises to close the loan yet week after week it did n't happen. My clients have now lost the home that they where trying to buy and they do n't have a place to live because they had to give a notice that they where moving. They have spent over {$1500.00} to try and get this home and have nothing to show for it. And because they are a FHA loan they might not have the funds to go after another home with all of the costs of inspections, appraisals, and the 3.5 % down payment. Through out this hole process the lender has taken no responsibility and has dropped the ball many times. I feel bad for my clients because at the end of the day he did serve our military and they do n't deserve to be not cared about by a big lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ).

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 2019-03-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a VA mortgage that was foreclosed on XX/XX/2016. I have a letter saying this is the date the foreclosure was completed. 

Wells Fargo Home Mortgage continues to report a late payment each and every month for the last 3 years even though the account is closed. 

I need them to stop reporting late payments on an account that is closed. 

Last year I talked to about 10 different people to get this resolved and they assured me that the faulty reporting would stop. They failed to stop.

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 2020-04-10
Company: EQUIFAX, INC.
State: CO
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:
Both Equifax and XXXX  are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to dispute inquiries with Experian that were not mine and they refused to allow a dispute online even though there was a dispute selection available. I disputed addresses that were not mine and they also refused to delete 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 2022-10-15
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: Investigation took more than 30 days

Complaint:
I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over XXXX ( XXXX ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE SOL ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE SER ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.

Company response to consumer: Closed with explanation