BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage is in my name. My wife pays the bill monthly. She was making the payment in XX/XX/XXXX online and thought it was fine until she went to make the XX/XX/XXXX payment. She then realized the XX/XX/XXXX payment did n't go through so she called, they waived the late fees and she paid both bills. She also forgot to make the payment at the XX/XX/XXXX. We are now on autopay to make sure she does n't forget but Freedom Mortgage submitted this to MY CREDIT REPORT dropping my score XXXX POINTS! Absolutely ridiculous that they would file against my credit for this very simple mistake one of which was their technology. This issue has prevented me from being able to XXXX ( the only reason I found out they had done 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 explanation
Consumer complaint received 2015-11-12
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
on XXXX XXXX 2014 I made a loan to avant inc. website is www.avant.com in the amount of {$3000.00} loan Id is XXXX. As of XXXX XXXX my pay off amount was {$1000.00} which I had already paid it and it was already taking off my bank account. However avant has not closed my account loan. I made several attempts to fix this issue with them but they give me a run around. I send them emails and called there customer service and no one has giving a resolution to my issue. XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TransUnion smartmove is reporting an eviction I was never evicted from XXXX XXXX and called TransUnion on XX/XX/XXXX and was told it will be removed and today I am being left homes less with children because of this matter its Im correct and want it deleted or I will contact my attorney

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2016-11-03
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinance my home on XXXX XXXX, 2016. Loan was with XXXX. XXXX transferred my loan to Freedom Mortgage on XXXX XXXX, 2016 even though they had received a payoff demand letter from my lender and I had called them to inform them that I was refinancing and it would close on or about XXXX XXXX, 2016. Meanwhile, there was also an insurance claim check for water damages to my home for {$7000.00}. XXXX transferred my loan, the insurance check and the payoff check all over to Freedom Mortgage when I had refinanced with XXXX Bank. XXXX had received the payoff demand letter and I had called them. I have been fighting with Freedom Mortgage since XXXX XXXX, 2016 to get this corrected. Now Freedom Mortgage has kept my {$7000.00} insurance claim money and charged me {$6000.00} in interest for a loan they never should of had to start with. I have been trying to resolve this now for almost 4 months going on 5 months. All I get is the run around and I am frustrated beyond words.

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 2016-01-29
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I financed my home and having a VA loan they called me back and said we can lower your rate even more. They got me excited about lowering my rate again and they did nothing! They let the time run out. This was Freedom mortgage inability to help the customer. So now I could potentionally pay $ XXXX over 30 years

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 2022-08-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I XXXX XXXX ( the consumer ) sent out a billing error notice to American Express ( 12 CFR 1026.13 ) pertaining to periodic statements I received from the financial institution. American Express has yet to disclose the Finance Charge. 12 CFR1026- Truth in Lending Act ( Regulation Z ) was put in place to protect people when they use consumer credit.

After receiving a response from American Express about the billing error notice American Express informed me that they would be investigating my dispute. American Express replied to the consumer using the online portal to inform me that he was not responsible for the balance of {$4000.00} while the investigation was being conducted. Upon the conclusion of the investigation, American Express sent the consumer a response informing him that everything was correct in accordance with the card member agreement. American Express stated, the interest charges and the late payment fees are correct in assesses to the account as per the terms and conditions of your card member agreement. 
American Express is calculating the consumer 's credit use within the periodic period and making me either pay the full amount of credit being used or a minimum amount for the credits used by the consumer and adding interest onto the balance without disclosing the APR or finance charge. 
American Express disputed what the consumer is stating and now claims that the consumer owes a new balance of {$6.00}, XXXX regarding the consumers account. 
American Express is attempting to collect a debt by deceiving the consumer of the character amount of any debt 15 U.S.C. 1692e. 
Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage on a home with Santander Bank. The mortgage is for {$160000.00}. The mortgage was originally issues by a small local bank called XXXX. The property is in XXXX, XXXX. 
The original mortgage was an " interest only " mortgage. Several years ago the XXXX Bank was taken over by Santander and I was suddenly a Santander customer. 
My monthly payment had been roughly {$1200.00} a month. 
Last month I received a statement from Santander. I immediately noticed that my monthly payment had more than doubled. 
My issue is as follows : Santander gave me NO NOTICE that the " interest only phase '' of my mortgage was about to end. So this new monthly statement came as a complete shock to me. I know that other banks send out multiple letters to their customers -- -starting a year in advance -- -advising/informing the customer that their payments are about to " balloon '' -- - I received nothing to that effect from Santander. If I had known this was going to happen I would have attempted to modify/refinance my mortgage. 
When I call Santander I am unable to get anyone on the phone who can address this -- -All they do is ask for payment. I will loose my home because I can not afford the increase. Santander, like other banks, must in some way be REQUIRED TO NOTIFY its customers if the nature of a mortgage is about to RADICALLY CHANGE. Can you please help me deal with Santander. They seem oblivious to this issue and their part in 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 explanation
Consumer complaint received 2022-08-15
Company: AMERICAN EXPRESS COMPANY
State: VA
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 received a call back in XXXX about being past due on a personal American Express credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with AE and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and XXXX XXXX. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states American Express won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
American Express continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My complaints is with XXXX. In XX/XX/2022 my credit score was up to XXXX. As of today it XXXX. It's dropped tthat far. All credit cards and loans are paid off. They will not give me viable explanation as to why. See attached docs The one from XXXX XXXX was reported as paid off, yet they still show it open.

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 2017-12-21
Company: JPMORGAN CHASE & CO.
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:
XXXX has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXX/JP Morgan Chase Bank this account was in deferment the whole time. I see when I wrote in back in XX/XX/XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because XXXX  has not done nothing on my credit report. There is no late payments when a student loan is in Deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I called Transunion to dispute inquiries that are showing on my report. they are wrong. agent at TU told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-17
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L  Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IN
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account at Santander Bank was closed without any notice. I went to the branch and the woman told me that they can not reopen the account, and my direct deposit will be sent back to my employer. The employer receives nothing so I call back and they tell me that they have instead took my deposit for an outstanding balance of 55 days. I review my contract and there is no mention of this. The representative acknowledged they have n't sent any notice since XXXX. They simply waited for the next direct deposit and closed the account so I can no longer access the funds. It is a week before the holidays, I have bills due, no food and unable to survive until my next payday.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: IN
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments.

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 2017-05-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am the co-signor on my son 's student loan and keep getting harassing phone call s from Navient that are down righ t disrespectful and annoying when you are trying your best to pay. Each day, I get at lea st six calls from Navient. O n  XXXX   XXXX ,   XXXX  , the phone calls started at  XXXX   XXXX   XXXX   CST and by the end of the day I ha d 13 roboca lls from  six di fferent phone numbers. On  XXXX   XXXX ,   XXXX  , I h ad seven  robocalls. However, I spoke to a representative and stated to them that I had just made a paymen t two weeks pr ior and that I would not be able to make another payment for a couple of weeks. It 's not like we are not paying the loan. The loan was taken off of interest only payments and went to full payment and my son is not able to make these full payments due to cut in hours by his job. They told him that they would n't be able to help him until the full amount is caught up. He is in a no win situation with this company when you ask for help in your payment. It seems like you would take something instead of getting nothing. It 's difficult for any person to have to make a decision on paying rent/food or paying for your student loan. On top of that, you have to deal with rude and obnoxious customer service representative that NEVER place your comments in their notes. It 's got to be a better way to deal with this problem. We know that we have this debt and are paying the best way that we can until my son 's financial situation gets better. PLEASE STOP THE HARRASSING PHONE CALLS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has a fraudulent account in my name. i never open an account nor do they have my ink signed signature to show 100 % accuracy. they passed to Midland Credit Management. Now Midland Credit is refusing to correct my credit report which is hindering me and causing me stress. I sent them a police report and indentation. showing that i am a victim of identity theft. I called to explain they sent me to a law firm XXXX XXXX XXXX. Even though they ( Midland Credit ) are they're the ones reporting the fraudlent info against me. they are refusing to correct the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The credit collection company are submitting me information for the wrong amounts and continue to harass me about dept that is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an Amazon rewards credit card through chase bank, my credit card payment was due XX/XX/2022. I made a payment on the chase app via my phone on XX/XX/2022 for {$600.00}. Chase bank did not attempt to process the payment for 7 days. My account was no longer sufficiently fulfilled to make this credit card payment so the payment was returned. On XX/XX/2022 I opened the chase bank app to make my payment that was due 12 days prior only to find out my account had been closed. I called chase bank and spoke with a representative who agreed that my account should NOT have been closed and she stated she was forwarding the complaint to the reinstatement department. 

On Friday XX/XX/2022 at approximately XXXX I received a call from a woman by the name of XXXX XXXX XXXX proceeded to tell me my account could not be reinstated. When asked why XXXX gave several different responses. First XXXX stated it was due to returned payments, then XXXX stated it was due to the card being {$56.00} over the credit limit. When I mentioned the card was over limit due to interest accruing she stated that my account was closed because of rapid increase I asked XXXX what does raid increase mean and she stated it means aggressive spending I asked XXXX if I was being penalized with a closed account because I was utilizing my available credit, to which XXXX stated yes. 

It is a violation of the CFPB to penalize a consumer for utilizing available credit. This account never reached 30 days past due. Im extremely concerned at the unchecked power and control these companies and their employees have over consumers and their credit profiles.

Company response to consumer: Closed with explanation