BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-21
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against SLS mortgage services. I have been trying to get my PMI removed since XXXX 2021. I inquired about it getting removed because my house has now appreciated where my house has at least 20 % equity. The servicer referred my account to a mortgage company that called several times to try and get me to refinance. I told them I was not interested in refinancing but removing PMI. SLS finally agreed to get an appraisal done in XXXX. The appraiser came to the house and appraised it. I followed up for status and Sls has no record of an appraisal but one was completed. This somehow meant I needed to get another one according to them. I refused becausw I didn't want to pay for a second appraisal.This is cost me several months of PMI. Please help me. I have written XXXX  All I want is the mi removed because I qualify and with housing prices where they are there is enough equity to drop the MI.

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 2017-04-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Re : loan #  XXXX . In  XXXX  of  XXXX  my wife and I closed on the purchase of our home listed herein. The closing statement did not contain a provision for establishing a property tax escrow account. WFHM contacted me about  XXXX  of  XXXX  seeking me to acknowledge that there was an obligation for me to pay into such an account. Since then I have been paying, when due, all mortgage an  XXXX   XXXX   XXXX   escrow. Additionally, voluntarily, under coercion from WFHM, I have been paying sparingly contributions to be directed to property tax escrow. Since then I have been deluged with letters, phone calls and emails from WFHM coercing me to agree that I must pay into such account. This harassment has caused me great stress and mental anguish. On  XX/XX/XXXX  I received a letter dated  XXXX  from WFHM stating they redirected? the  XX/XX/XXXX  mortgage and  HO Insurance p remium escrow payment to an unapplied account. This action was done unilaterally and without my consent. I consider this type activity as fraudulent and dishonest. In the aforementioned letter WFHM continues to refer to a property tax escrow payment as contractually obligated. This reference is clearly wrong since there was no such provision in the closing documents as previously mentioned herein. The closing disclosure form emphatically states that monthly mortgage payment includes principal and interest plus t he HO insura nce escrow. Again, no mention of a property tax escrow payment requirement. I seek that WFHM acknowledge the fact that the contractual residential home purchase closing statement does not contain a provision for establishing a property tax escrow fund, secondly that WFHM cease all efforts to coerce me into acknowledging that one exists and collecting from me funds to be directed to that purpose, thirdly that all principle, interest a nd HO insurance escrow p ayments be applied as stated in my payment coupon.     This is a follow up to my previous above written complaint which went unresolved.  Wells Fargo  Home Mortgage sent me a letter dated  XXXX   XXXX ,  XXXX   ( a ttached hereto ) which does not address my above narrative. In the aforementioned lett er Wells Fargo Home Mort gage continues to demonstrate their fraudulent and unfair business practices. There is no due amount required as WFHM alleges. The contractual home purchase closing documents do not authorize or establish a  property tax escrow account. WFHM alleges that there is a VA flow-down requirement placed upon the borrower. However, when asked to produce the document to me to verify truthfulness and accuracy WFHM tells me it is confidential and would allow me to review it. Even when I agreed to a non disclosure agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: i3 Lending, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/XXXX.We as buyers paid XXXX XXXX XXXX a {$5000.00} points fee by his require because he told us he is a loan broker. But he does not have an active status on NMLS ( NMLS XXXX ). 
Also, the loan did not get through, we need a refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have rights to privacy 15 USC 1681 Section 604 A section 2 : It also states that A consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat any late payment on a credit card account under all open end consumer credit plan as late for any purpose

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 2021-04-01
Company: T.S. Holdings
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data contacted me ( XXXX XXXX XXXX on XX/XX/21 on a phone call to allow me to settle the debt I had with them which showed on my credit report as {$4600.00} ( IQ DATA stated that the principal was {$2600.00} on an email ) during the phone call they gave me the option to settle the debt for {$2300.00} and they stated that it would show as paid ( settled ) on my credit report and that I would not owe them any other amount. I agreed to the settlement and paid {$2300.00} with my debit card. I received an email stating the settlement, which said that I was released from any further liability regarding obligations to the original Creditor and IQ Data International. The e-mail showed that my due total was {$0.00} On XX/XX/21 I received a charge on my bank account from IQ Data for {$1800.00} I Called IQ Data ( they hung up on me several times before taking my call ). When someone finally took my call they ALREADY knew it was me XXXX XXXX XXXX XXXX without me even saying a word meaning they had my number on file. I spoke with XXXX and asked about the charge of {$1800.00}, XXXX said that I approved the amount of {$1800.00} on XX/XX/21 to " REMOVE '' the debt from my credit report instead of settling. I said that was not true and to refund me that amount because I had an e-mail receipt stating that I had settled the amount and I did not owe them any more money. XXXX refused to give me the refund and said I was lying, I asked for proof from IQ Data that I agreed to pay the {$1800.00}. XXXX said he didn't have to show me proof and hung up on me. As of today XXXX am still disputing the charge with my bank and my credit report still shows a balance owed to IQ Data International for {$2300.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both XXXX and Trans Union. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A police report and a XXXX XXXX Theft report was send to the credit bureaus and XXXX XXXX XXXX date XX/XX/XXXX that I'm a victim of identity theft, send letter request to remove the accounts. XXXX XXXX XXXX changed the ( XXXX ) on these accounts. XXXX XXXX XXXX reporting XXXX XXXX XXXX reporting XXXX on record, and for a transaction I dont recognize account : # XXXX for {$900.00} date XX/XX/XXXX. I never made a payment on this paid off account. The company has harass me and oppress me, causing damage to my credit continued attempts to collect debt thats not owed, XXXX XXXX mailed notices and phone calls attempts to collect {$360.00}, not owed that was paid on XX/XX/XXXX showing on the payment history. 
And is still reporting and tampering with the account 's. These are XXXX violations. I never singed anything or had a account with XXXX XXXX XXXX. XXXX XXXX was closed and paid off.

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 2022-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/22 I took a call at XXXX XXXX I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Loancare took over my mortgage in  XXXX  of  2017. Paid  previous payments to  XXXX   XXXX   XXXX  without any late payments. After not processing my first 2 monthly payments properly. They but a negative mark on my credit report and sent me a foreclosure letter after seeing the mistakes I promptly paid the past due amounts as well as all the current payments. I believe they processed this neg mark way before the allotted time aloud with out reaching out to me to rectify the problem. Sent letter to them on  XXXX   XXXX   2017 w as told in would be looked into  5 b usiness days afte r 10 i calle d in and was told in would be resolved on  XXXX     2017. Ha ve called in multiple times with no return call or contact from a supervisor. And it is past the 30 days off investigation.

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 2017-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
IN   XXXX  , WE WERE HAVING DIFFICULTY PAYING OUR MORTGAGE. WE WERE TRYING TO LOWER OUR MORTGAGE AND THE COMPANY REFUSED TO DO SO AND IN THE PROCESS WE HAD TO DO A LOAN MODIFICATION TO LOWER OUR MONTHY PAYMENT. THE PAYMENT WAS DROPPPED AFTER THE MODIFICATION BECAUSE WE WERE I N ARREAS FOR ( 8 ) MONTH S, THE COMPANY ADD THE ARREAR TO THE BACK END OF OUR MORTGAGE AND WE WERE TOLD THAT WE DID NOT HAVE TO PAID THE ARREAS UNLESS WE SELL THE HOUSE. THIS IS OUR ONLY HOME AND ONCE WE DID THE MODIFICATION THE MORTGAGE COMPANY GIV E US A BALLON M ORTGAGE INSTEAD OF A FIX MORTGAGE AND IT IS A ( 40 YEARS ) MORTGAGE. MY HOME IS NOW DUE FOR A REFINANCE AND WE WENT TO THE BANK TO DO SO BUT UNFORTUNATELY, WE WERE UNABLE TO. THE MORTGAGE COMPANY TOLD US THAT THEY HAVE TO ADD THE ARREAR BACK ON THE LOAN BUT THIS IS NOT WHAT WE WERE TOLD NOW WE ARE STUCK AND DO NOT KNOW WHAT TO DO. PLEASE HE LP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
In XX/XX/XXXX, I was in my local branch of Fifth Third bank where I am an account holder requesting a cash advance on my credit card. A manager overheard me speaking with the teller and offered to open me a line of credit instead. He suggested a XXXX limit and I agreed. I had the line of credit that day. In XX/XX/XXXX I received the attached letter from Fifth Third suspending my line of credit. As I was not aware of any changes to my credit history, I went to the local branch and spoke with the manager. He immediately checked my credit in is office and agreed there were no changes and asked me for the letter so he could research it. The following week, having heard nothing, I called the manager, XXXX XXXX. He told me the reason for the suspension was that I 'had used a large amount of my credit line '. I then asked him for the letter back and he said he would find it and call me back. A week later when I called, I was told the letter was " shredded ''. I asked him to get me another copy, and after waiting several weeks I contacted XXXX XXXX on XXXX XXXX at Fifth Third headquarters who said she was working on getting me a copy. I finally received the attached copy several days later. I then contacted XXXX XXXX  XXXX  as the Fifth Third letter recommended and requested a copy of my credit report ( attached ). The credit report showed NONE of the factors referenced in the Fifth Third letter. I then called Fifth Thirds lending department in XXXX to ask about the discrepancy and was told I could not dispute the suspension even if it was in error. On XX/XX/XXXX I sent the attached letter certified mail to Fifth Third and received confirmation it was from the US Post office. ( receipt attached ). Almost three weeks later I had not received a response to my letter and called Fifth Third again on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX who referred me to her manager XXXX. XXXX confirmed they had received the letter and that it had been assigned to case manager XXXX. She told me he was on another call but took my phone number and said he would call me as soon as he finished. I have not heard from anyone at Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage transferred from XXXX Bank XXXX Huntington Bank. I have not missed a payment and Huntington Bank is reporting that I am XXXX or XXXX payments behind. I had called to talk with someone who told me they would have it corrected. It has been almost 60 days and I continue to receive notices that my mortgage is past due. I recently applied for a small personal loan and was declined. I believe it is due to Huntington Bank not having their records corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have repeatedly asked Key Bank to close an account. They never did. They claim they did yet they continue to transfer funds from the account to other accounts at the Bank and they honored an auto payment that I overlooked and did not re-directed to my new bank. If my account was closed as I instructed them, the transaction should have been rejected. 
They in fact claim they re-opened the account to make the payment from an account witch had no money in it. The payment caused the account to overdraw and then they charged me a fee. This has happened repeatedly despite my repeatedly asked them to stop this practice and close the account. They refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have XXXX student loans and each reporting agency is showing that I have several more than 7 Trans Union is reporting XXXX, XXXX is reporting XXXX, and XXXX is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.

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 2021-11-22
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 belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. DELETE the account below : ( 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 2017-04-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On about end of  XXXX    XXXX  , I applied for a Best Buy Store Credit Card after researching about the benefits and rewards that is advertised on their web site. I did this after I went through researching the unclear advertising of the credit card, when I contacted an online representative to check how it works and also showed up in a store branch to re-check and confirm the credit card service and its benefits. The representative at the store confirme d that 1 ) I can finance 2 ) and receive the % 10 ad vertised rewards for th e 1st purch ase using that card. She also applied for me when I was there. At the same time after she applied, she used the card information with my approval to make a purchase of about {$3000.00} of computer items in the store.     I did not receive the  % 10 rew ards after a while when I showed up again in the store and someone told me I have to wait more as it may take up to 3 months for the rewards to be available on my account. On  X/XX/2017    when I escalated the case to Best Buy customer service, I was told that I have lost my %  10  rewards because of opting for financing.   Customer care stated the store representative who had applied for the credit card and made th e 1st  purchase for me on  XXXX  had failed to either apply for a %  XXXX  coupon or did not have appropriate training to know about how this promotion works. Either case, I made my decision to apply for the credit card for the benefits that was advertised which was also finally confirmed by the store represantative and I 'm disappointed about false information or unclear advertisement of this credit card service. I would have never applied for opening a credit card only for financing, and I could make this purchase for a much better price from another store if it was n't because of the 10 % rewards that is advertised on BestBuy.com web site.

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 2022-10-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized atm withdrawal from a XXXX XXXX ATM for {$170.00}. I did not use an atm in XXXX XXXX or take out {$170.00} on XXXX XXXX. Ive contacted CHIME and was told to wait until it settles completely before they can start a dispute and are unsure if Ill be getting my funds back from this FRAUDULENT transaction. I am very worried that I would not be able to recover my stolen funds. Please assist! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 2021-11-22
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have XXXX student loans and each reporting agency is showing that I have several more than 7 XXXX XXXX is reporting XXXX, XXXX is reporting XXXX, and Experian is report XXXX. Several have account numbers that do not corespond with the XXXX of 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