BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been incurring a Escrow/impound from the mortgage company for them not having my Master policy for my condominium on file. This has been addressed to them, they have received it and I am still being incurring the escrow fee.. After several calls and attempts and spending countless hours on the phone with multiple representatives, they still have not waived the fee.

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 2022-07-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting fall XXXX, I tried on multiple occasions to clear up an unjustified penalty payment. Mr. Cooper was unwilling to reverse an unjustified penalty fee incurred when their system failed to accept a longer-than-usual checking account number. This happened when I was trying to switch from one checking account to another ( both XXXX XXXX ) for auto-payments. This technology glitch on their part resulted in two missed payments, and they levied penalty fees for each month missed. Until this event, I had never missed a payment. I paid both missed payments immediately. They reversed one penalty fee but not the second penalty fee ( one for each month ). Their customer specialist XXXX XXXX even admitted that there was a technology issue on their part. 
After months of recalcitrance on their part, I protested the penalty payment at XXXX XXXX XXXX. I won the case on XX/XX/XXXX. They were notified that they should pay me {$190.00}. More than 90 days passed. I sent them a polite reminder letter on XX/XX/XXXX, certified. Still no response. For such a small amount, it is beyond belief that they would defy the law and refuse to pay what is legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Requested negative accounts to be removed from my credit report, creditor stopped collecting on those accounts. 
Experian refused to remove accounts. 
Today I tried again, it says I ca n't dispute accounts till I pay for another credit report & then I will be able to start a dispute.

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 2022-03-14
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: Information is missing that should be on the report

Complaint:
XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to XXXX, XXXX XXXX. XXXX that they were not REPORTING my XXXX XXXX XXXX XXXX. Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, XXXX, XXXX, TransUnion have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT!

I reach out to them on 6 occasions. NO RESULTS!!

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 2022-03-14
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello I got a gift/prepaid card. Visa/Vanilla of $ XXXX XX/XX/XXXX I spend {$75.00} and I planned to use the rest later. 
I went to another store in a different day and the card was declined. I checked the card and it said that was used by XXXX XXXX. {$5.00} EACH TIME, THE SAME DAY XX/XX/XXXX UNTIL THE BALANCE was gone. 
I called Vanilla Visa ( INCOMM INC ) and they told me to submit a dispute. 
After 3 months waiting, they told me that the purchases made with the card are similar to those made with cash, and they can not stop payment or lodge a billing dispute on purchases made with the card. 

I contacted XXXX and I submitted the complaint. later on, we were Receiving the same answer I looked in the XXXX  and in the web and they are a lot of people having the same problem. 

It seems that the cards are already compromised. Imagine 73 people or more X $ $ XXXX 

Please see this video : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I have sent you a complaint three times. I have asked for answers to my question I still have not received these answers from chase. When someone applys money incorrect and will not explain to you why or where it is, is n't that fraud.Well i need answered to these question and chase is lying to you by saying they have answered these questions cause they have not 1. I sent copies of receipts showing I paid extra into escrow they have yet to tell Where the money is. I want it refunded or put into escrow.I paid at the bank is why I have copies and proof of what was paid and how much They told me the do n't accept extra money on escrow but the payment stub has a option to do so. 

2.Send a copy of the checks I wrote them There are 31 checks they show on the history that are one amount but in reality there is more money paid they show less. example below : XXXX wrote a check XXXX which was XXXX, XXXX extra to go in escrow They show on their records check amount was 914.93.There are 31 payments like this and none of the extra money was applied to the escrow. Is n't this fraud. 

3.On XXXX I wrote a check to them for XXXX its shows no where that it was applied. Check number number XXXX.Where is the money 4. I show on the history transaction sheet they sent me that there was no money put into escrow in the months of XXXX, XXXX, XXXX and XXXX XXXX. 

5. I show no interested added to my escrow since XXXX/XXXX/XXXX. 

6. When they did reverse they still never entered the correct amount. 

7.On copies they sent me there are many payments not applied to my account.Example below XXXX/XXXX/XXXX and XXXX/XXXX/XXXX both payments show suspense and never applied and in the copy they sent me it shows unapplied to the right.Then they have lots of money listed as curtailment and not applied.and listed as supsence 8. They purchased Washington mutal and my question to them is why do my statements say escrow and principle but no money was ever applied to the principle on the loan have those copies also. 

I feel that something is going on with my payments and the money that I have given them i want some answers please.They Tell you they have sent answers they have not answered all questions. 
They did a mod on my house and it was when my house was under water and they never offered any of the programs out there Amount of the payout. Borrowers who submitted a valid payment claim form through the XXXX received a check for approximately {$1400.00}. Checks first went out between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. ( The initial deadline to make a claim was XXXX XXXX, XXXX. ) Refinancing for Underwater Homeowners XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have credit cards with XXXX XXXX XXXX, Chase, XXXX Bank and others. I paid for the protection insurance if I lost my job or was injured, the amount owed would be removed. None of them honored this policy and I paid extra for this service. I provided them with the documentation from the unemployment insurance of California yet I am constantly harrased and threatened by their agents relentlessly. They have called my relatives, friends, even my church. It seems that they have a copy of my phone bill and called every one that I may have had contact with. I do not know what to do as I took out the insurance policy with each of them and they should honor it as I paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s2, a furnisher has a duty to provide accurate information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2016-01-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Delinquent account

Complaint:
First, let me start off by saying that i have XXXX or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in XXXX of 2015. In XXXX of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from XXXX to XXXX. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due {$7.00} amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said, " i apologize, we didnt call you and it looks like the amount due was interest after the payment in XXXX. '' I spoke to another employee of chase and she said that, yes, we did call you, asked for dates and she gave me XXXX XXXX at XXXX and XXXX. My question to her was, that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY, no call was ever placed to me. While speaking to ANOTHER employee i ask " did i not get called due to the amount being only {$7.00}? '' The employee told me that was possibility. This is clearly not only fair, unreasonable, but unethical. I am requesting that the late payment be removed immediately. I will not let this go. I have worked hard for my credit and for something like this to hurt it for 7 years is unacceptable. I will not stop until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have complained before. I am paying more than the minimum due each month however Great Lakes is not applying any of my payment to principal. There statement does not say how much interest is due each month, only the payment amount, and all payments regardless are applied to interest. How can I ever pay this loan off? Why do they not need to provide a normal loan statement that shows interest charged, interest paid, amount received, and how it is applied? FYI I have an XXXX and XXXX and I 'm an expert XXXX, and I ca n't understand what they are doing. Please help ... As it is, this payment is taking about 40 % of my disposable income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
In Accordance with the Fair Reporting act XXXX Account #, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Village Capital & Investment LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In response to a complaint that I filed with the Consumer Finance Protection Bureau against XXXX and Village Capital Investment in regards to the illegal foreclosure of my home and failure to apply payments to my loan in accordance with federal law, I received the attached letter in duplicate from XXXX XXXX and Village Capital Investment. 
The letter states that a " Notice of Breach '' was sent on XXXX XXXX, 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX, 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX, 2015. 
In the response letter to the CFPB complaint that I placed, it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015, the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer, but I have no record of an ACH transfer to my bank account or a refund given via XXXX. The {$710.00} check was received via certified mail with United States Postal Service tracking number XXXX. Therefore the ONLY refund I have been given in all the payments that I have made since XXXX 2015 has been {$710.00} and the {$150.00} payment that I made via XXXX was sent back to me via a XXXX cancellation of payment. Please provide proof of the ACH transfers that you stated in your letter. 
I request that all payments be applied to my account and foreclosure proceedings ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: ONLINE Information Services, Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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 information incorrect

Complaint:
Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after Equifax let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
Suspect credit fraud, requested credit report multiple times and still have not gotten it. 

First tried online system ; that didn't work, perhaps because I live overseas ( XXXX ). Then tried phone system ; that didn't work either - said it couldn't identify me, even though I gave my current XXXX mailing address. 

Then I mailed Annual Credit Report Request form to Experian ( via Annual Credit Report Request Service ) 3 times : - first time summer XXXX - second time sent it XX/XX/XXXX - third time sent it XX/XX/XXXX Mailed forms # 2 and # 3 to someone in the US, who then mailed the envelope to Annual Credit Report Request Service mailing address on form. So overseas mail was not an issue. 

Finally contacted Experian XX/XX/XXXX by phone ; answering system gave me the option of ordering my credit report, so I did ; it accepted my information and said I would get my report in 15 days ( around XX/XX/XXXX ), and then said " Your confirmation number is '' - and the system hung up. I still waited the 15 days before contacting CFPB. 

I need my credit report. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Exeter Finance Corp.
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 status incorrect

Complaint:
I have had an auto loan with Exeter Finance since XXXX and the amount of the loan was {$37000.00}. I have made continuing payments since that time of {$810.00} on a monthly basis and not one time have I been delinquent. In XXXX, 2022 in consultation with the company I was told for the first time that I need to pay a " balloon '' payment of {$3100.00} to pay off the balance of the loan. I asked the customer service representative if I can pay the amount that is still currently listed on the website for my loan of {$810.00} till the balance is paid in full. The representative said that would be fine and it would satisfy all the requirements of my loan. I made that payment however yet Exeter informed all the credit agencies that my account was now delinquent in XXXX this for the first time ever for this account. I have since spoken with Exeter and they will not erase that red mark on my credit reports. I have also told them, that with the remaining balance of {$2300.00}, I am willing to pay that in full. I also would have paid the full {$3100.00} on the loan if I knew that it would create this issue. The agent from Exeter did not have any issue for me to make this monthly payment to satisfy the loan requirements. I ask your agency to have Exeter remove that delinquency from the 3 credit reports as it should not be there in the first place as discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Genesis Lending
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Was not notified of investigation status or results

Complaint:
I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 and XXXX XXXX. The complaint I'm referring to includes complaint number XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.

Company response to consumer: Closed with explanation