BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were with XXXX XXXX XXXX  and started to refinance through them. They were pushing our closing date giving us different excuses. They then said they were short handed. They started XX/XX/XXXX the process and in XX/XX/XXXX we decided to change to a new company to refinance as it was taking too long. We started the process with XXXX XXXX XXXX end of a XXXX beginning of XXXX. XXXX XXXX XXXX  were taking a long time to send the information required and did not release the appraisal. While in the middle of everything we received a letter from Freedom Mortgage saying they were sold out loan by XXXX. Now we could not complete the refinance with XXXX XXXX XXXX as Freedom Mortgage had to get everything in their system. We started to request payoff paperwork since XX/XX/XXXX from Freedom Mortgage. My wife called 2 times between XX/XX/XXXX and XXXX and was told it would be sent. My wife called Freedom again the next week. I called on the XXXX of XXXX and told it would be sent. Meanwhile XXXX XXXX XXXX had sent request by fax to Freedom during the month of XXXX. I called again XX/XX/XXXX and was told it was faxed already to the number on a fax from XXXX XXXX they received on XX/XX/XXXX. But it was not faxed nor e-mailed to the numbers and e-mail I requested. I was told it would be sent the next day on the XXXX. It was not so I called again on the XXXX and I was told it was escalated and it would be e-mailed and faxed on the XXXX a Saturday and it was not. I called on Saturday the XXXX and I was told the system showed it would be sent on the XXXX. I told them what was happening and they told me to call again Monday morning. I called this morning the XXXX of XXXX and was told it was going to be e-mailed and faxed tomorrow the XXXX as it was in their system. I told them that I have been told this for weeks and given different dates every time I called. I had to pay for an extension to XXXX XXXX XXXX  for this and this has delayed my closing. Today I asked to speak with a manager and Freedom out me on hold for over 30 minutes. They came back and told me it was finally e-mailed. I did receive the payoff information finally after speaking with them for a month.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.

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 2017-02-13
Company: The Regional Adjustment Bureau, Incorporated
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. 
After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. 
In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. 
In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I enrolled in Equifax credit monitoring program XX/XX/2016 .However, I was dissatisfied with the product and cancelled it the same day. On that day last friday XXXX, my credit score was XXXX.I check ed my score on sSaturday XX/XX/2016, my score had changed /dropped by XXXX points. I called Equifax on XX/XX/2016 and spoke to XXXX representatives and a supervisor name XXXX. XXXX rep told me they were having technical issues with their systems that lowered the score by mistake. XXXX the other rep could n't give me an explaination and neither could the supervisor. Nothing has changed on my report to impact my score. Can someone please assist me in reinstating my score. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a collection notice from Crown Asset Management , LLC ( original creditor XXXX ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-30
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. Pendrick Capital Partners II has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, XXXX XXXX XXXX, trying to make me pay {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Jpmcb Card XXXX, DE XXXX ( XXXX ) XXXX I was logged in to my Online Business Checking Account when i thought it was an Pre-Approval Process to get a Chase Business Credit Card Not A Hard Inquiry Which ended up to be a Hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.

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 2021-10-29
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I just refinanced my home loan, the company Caliber Home Loans told me it would be without any money from my pocket. They were supposed to roll over my accrued escrow amount to the new loan so that I could pay my property taxes and home insurance. What they did was use my accrued escrow to lower my mortgage loan amount and thus appear to give me a lower monthly payment on the loan. They only put {$890.00} in my new escrow account and my XXXX taxes are over {$4500.00} thus creating a huge shortage on my account. They indicate that they didn't know my taxes were that amount, but the county in which I live in Florida ( XXXX XXXX ) puts up the proposed tax information early in XXXX and in fact the information was on the County website. The closing of the loan was in XX/XX/XXXX, so all they had to do was look up the correct property taxes for XXXX before disbursing the funds. Now, I will have to pay out of my pocket close to {$5000.00} which include XXXX property taxes and Home Insurance for XXXX. This will obviously create a great financial hardship on me. I was informed that my accrued escrow amount would be rolled over, there was total of more than {$4000.00} in that account. I should not have to pay all this money due to their error and not verifying the correct tax payment for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The only acct I have ever had with XXXX XXXX XXXX was established and closed in XXXX. I have since worked for XXXX XXXX XXXX 2 years and paid this debt to a company called XXXX back in XXXX. Why am I being contacted regarding a debt that is XXXX XXXX XXXX and is paid. I have contacted the company through a dispute and adv them to send me a letter of validation from this acct and the only resp I got was from the credit bureau adv. that it was deemed mine. Is this a different account we are speaking of? I want paperwork regarding the service provided and address.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.

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 2022-04-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX I was invited to apply for a credit card with the promotional offer of XXXX points and {$200.00} statement credit if I spent {$500.00} in first month. I applied and was approved. 
XXXX I received a promotional email inviting me to apply for the same card I was just approved for. The promotional offer is spend {$5000.00} within first 3 months and receive XXXX points AND companion pass. 
XXXX I called to see if there was any way I could get the better offer. I was told that I could and to allow 1-2 statement cycles for the promotional change to take place. 
XXXX I call to check the status of the promotional change. I was told that the order wasnt submitted previously because I hadnt met the {$5000.00} spending requirement when I called initially ( I dont think that should have mattered since the offer said the spending needed to be completed within 3 months ). The rep submitted my request and told me to expect a letter in the coming weeks. 
XXXX I review a letter from Chase dated XX/XX/22 stating that my account isnt eligible for the offer. I called to see if someone could make this right. Everyone just told me Im not eligible. I was eligible to be approved for the card. I was eligible to receive the promotional email for the better offer. I have already met the spending eligibility requirements for the better offer. If there is another eligibility requirement. That has not been communicated to me and I believe that is a UDAAP violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.

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 2022-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
XX/XX/XXXX portfolio recovery sent me a letter denying any inaccuracies that they are furnishing to the credit reporting agencies XX/XX/XXXX I sent them a letter pointing out the errors as blatant proof since they denied any inaccuracies XX/XX/XXXX portfolio recovery received my letter XX/XX/XXXX I received results from experian claiming they have updated this account. mind you absolutely no valid reporting fields were updated. false results XX/XX/XXXX I pulled my updated consumer reported with experian and XXXX XX/XX/XXXX and I saw that portfolio recovery recently reported to both agencies on the same day XX/XX/XXXX. they also reported two different 1st deliquecy dates maniupulating the federal time frame for his account to be removed. experian says on record until XX/XX/XXXX putting the date of 1st deliquency date XX/XX/XXXX and XXXX reports the date of first deliquency XX/XX/XXXX XXXX how can they report on the same day but with different information. there is only one date of first deliquency date. I also took upon myself to pull a trimerege consumer report with smart credit XX/XX/XXXX and noticed XXXX also let portfolio report XX/XX/XXXX and they have updated the date of last activity to XX/XX/XXXX also. wouldn't that be re-aging this account? I pointed out all the inaccuracies and inconsistencies that porfiolio recovery has done to my consumer report and I am tired of them not complying under laws. they are violating my right to privacy, they are bring unfair by doing improper proceedures to correct this account. I have already put them on notice and I want this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 I refinanced my home through XXXX Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by XXXX XXXX Loan Servicing Division. The first payment was due XXXX/XXXX/15 and XXXX serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even XXXX XXXX account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to Specialized Loan Servicing ( SLS ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company SLS, the {$83000.00} has been suspiciously attached to my account again. On top of all this, SLS now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at XXXX or XXXX, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from XXXX XXXX to show the suspicious addition and deletion of the {$83000.00}. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Over the past 6 months, I have made multiple requests to Transunion to remove my student loan balance which has been forgiven in full. All other reporting companies have complied, but Transunion has refused to even confirm receiving my request. They also have not removed an auto loan which has been shown to have been paid in full for over 5 years under 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 2022-04-15
Company: Experian Information Solutions Inc.
State: AZ
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 submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, Experian, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.

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