BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.

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: Pinnacle Credit Services, LLC
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have been on another account since XX/XX/XXXX and would like to know where this overdue amount came from. I have not had a XXXX account in my name since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have send experian 3 written request regarding XXXX account XXXX and this unverified account still remains on my report. I informed them in writing several times that this account is not mine and that it maybe belong to my aunt in whom share the exact same name as i and in which that I lived with years ago before she passed. I called experian after constant failure to provide physical proof of verification all they send is a paper that say verified but nothing that say how they verified so I demanded that information or the name and id number of the rep that claim to have verified this information so that I am able to present it before the judge in case I have to proceed to litigation regarding this matter. I have carefully been saving my tracking numbers and certified signed documents by experian to show that they received each letter that I send them and they have not removed this unverified account from off my report. I called experian and spoke with am employee id number XXXX in which he called XXXX card on three way and we spoke with a XXXX id XXXX in which she stated that she ca n't provide experian any information without the account holders statement saying it was ok to do so. So after that I stated to experian that if that 's the case they are providing false info and no way possible could they have verified this unknown account to be mine i asked that they remove it and the guy hung up on me.

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 2022-04-18
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
There is no proper category. 

I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. Promotion XXXX. account was opened on XX/XX/21. I talked to them on different dates to find when XXXX XXXX ( remaining XXXX miles ) will be credited to my XXXX  account. No response.

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 2022-10-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Under the The FCRA, 15 U.S.C. 1681 et seq., enacted in 1970, I disputed my credit report in XXXX with Experian several times since Bankruptcy discharge. Aware the XXXX  XXXX stays on my report for 10 years as a Public Record. Fact Experian discloses on my report accounts included in the bankruptcy as 'Potentially Negative ' to creditors is damaging. Discharged account has a zero balance, owe nothing. For Experian to list late payments on the account once discharged allows a creditor to deny me once viewing ex : late 90 days, 120 days, etc. on three accounts within the Discharged XXXX XXXX. 
Creditor is allowed by law to see Bankruptcy as a public record, but to have the right to view it in detail discriminates me, breaking my consumer rights.

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 2017-03-12
Company: ALLY FINANCIAL INC.
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit XXXX 10 days apart. Ally and XXXX XXXX XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the XXXX hit removed on each 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 2017-03-13
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX our mortgage was sold to Statebridge Mortgage company. We have been current on our mortgage since we have bought our house. We received a notice of short escrow payment from our mortgage company. We tried contacting them to resolve the issue they are not replying back to us ; escrow department does not take phone calls. What we have understood from the escrow shortage notice Statebridge Mortgage company place a forced place insurance on our house in XX/XX/XXXX they have been charging us {$340.00} quarterly for whole XXXX. We informed Statebridge Mortgage company 's escrow department of this issue in XXXX XXXXand provided evidence that we always had our own homeowner 's insurace through XXXX since we bought our home. Statebridge Mortgage company 's Escrow department assured us they will resolve this matter ; it 's been 9 months and still they have n't resolved the issue and credit back our account for falsely charged homeowner 's inurance ; and now they are demanding to raise our mortgage payment from {$1100.00} to {$1400.00} for one full year. This is unacceptable ; we have tried talking to them but escrow department is not responding. We are reaching out for this issue to be resolved ; mortgage company should take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First off my mortgage lender ( Seneca mortgage servicing ) makes it extremely hard to get hold a live person to talk to over the phone ... and the web sight has multiple issues with the access to loan information or the web site in general. when talking to a loan rep on the phone the refuse to give me account info over the phone and tell to submit a request in writing this has been goin on for months is there any legal action that I can take to resolve repeated issues with this lender ... this not an isolated occurrence there is a long list of complaints on the internet and there customer reviews about there business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Continental Finance Company, LLC
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Matrix Credit Card says my account is closed as of XXXX/XXXX/17 but still wanting to charge me {$12.00} a month. Ca n't access web site to see anything and people over phone are clueless and just say they cant help.

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 2017-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a car originally through a dealership and signed a contract for certain terms and a loan. Then we decided on a different car through the dealership and filled out new paperwork and signed the paperwork on the new car and loan. The loan was right for the first 2 months then I went back to the wrong loan price with the wrong Vin. I have been in conatact with capital one and the dealership with no resolution as of yet. This process has been going on in excess of 3 months. I think I am finally making headway no that I am at the presidents office at Capital one but I want to make sure it does n't hit a roadblock or get stuck on someone 's desk for another 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
the collection agency notified trans union to remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX Open {$280.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$280.00} High Balance {$220.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX, NM 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 2016-06-15
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP

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 2017-02-08
Company: Utah System of Higher Education
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have asked to have my account pulled for {$150.00} a month no matter what my payment might be ( it is lower than that ). I have paid off XXXX loans and each time I pay off a loan they lower my payment amount and stop taking out the {$150.00} as instructed. I 'm so frustrated as I want to keep my payment amount the same so I can pay off my loans more quickly than required. They continue to lower the payment and then take 2-3 months to get it back to the {$150.00} as requested. I have to continue to request the amount to be changed each time I pay off a loan. Then when I pay on XXXX loan specifically, the payment is disbursed between all loans, instead of just on the one that I wanted the extra payment to go to. They are completely frustrating and seem to just want to drag out the loans as long as they can to make more interest, when I 'm trying to pay them off early.

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
Consumer complaint received 2022-04-18
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/2022 i paid Synchrony bank collections a settlement in the amount of {$860.00} so satisfy my loan for a sleep number bed and close the account. Per bank statement the balance was removed 0n or about XX/XX/2022. on XX/XX/2022 I spoke again with the bank in reference to why they where still reporting a negative balance and they responded they do not have a settlement for this account. On XX/XX/2022 i again called Synchrony bank to attempt to resolve this issue, but they again are un willing to assist and bounce between recovery and customer service.

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 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of EDXXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXXXXXX XXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TCF NATIONAL BANK
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX/XXXX I was asked to make large payments of over {$450.00} per month. At that time I made less than {$12.00} per hour and I was the sole supporter of XXXX kids. I asked for a income sensitive or hardship payment plan and they said they do n't offer those and my only choice was ; pay the large bill, default, or go into forbearance. So, I took the forbearance and interest kept building. I went into Chapter XXXX and stayed in it to protect me from the collection that would happen if I did not. I begged for Hardship forgiveness but was told it was not possible. I have paid off my ch XXXX and they immediately started demanding a large payment again. Navient says I am in default, which is not possible since I just got my XXXX discharged. I asked again for lower payments and they put me into forbearance without ever discussing that with me. I complained about their billing and I was told they were going to place a hold on my account and return my call with the results of their investigation. That 's when I received a letter informing me I had been put into forbearance. I was also then directed me to a website outside of their company to request a lower payment. I received another notice 7 days later saying I will now owe an additional {$30000.00} in interest! This must be a mistake, but why is this happening? They say I now owe more than triple my original loan amount. All I wanted was a reasonable payment but I still do not have answers and they are reporting me as default when I am not. They are reporting negatively on my credit even after I was told they were working on my account. It 's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Payoff process

Complaint:
My mother passed away on XX/XX/2017. I 've called Chase card services twice to see how to proceed and they state they can not discuss anything with me. I 've called on XX/XX/2017 and now XX/XX/2017. I 'm at a loss as to how to proceed to handle anything as the card company will not provide any information as to how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Twice in XXXX separate instances the debt collection agency has incorrectly attempted to collect XXXX separate debts from me from over a period of a year and a half ago. Both instances dealt with an old apartment I lived in. One instance the debt collector, for some reason, put me on to the account of the person they were attempting to collect from who turned out to be the previous tenant in my apartment. I have NO connection to this person, and still have no idea how I was assigned responsibility for their debt.

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 2017-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.

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 2016-01-06
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a written request to have PMI removed from my account because the LTV was at XXXX % and would drop below XXXX % with the next scheduled payment. I received a letter and form from the bank with instructions on how to remove the PMI. One of the options was to pay the remaining principal balance of .1 % along with a Certificate of Value fee. I completed the form, selected the option to pay the principal down to XXXX % and the COV fee, and mailed it along with a check for {$480.00} for " XXXX XX/XX/XXXX, the check was cashed by the bank. On XX/XX/XXXX, the bank charged a payment that included PMI. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX to find out the status of the request. The phone representative stated that the PMI request was denied, but could not provide any additional information regarding why the check was cashed, why the request was denied, or why I was not notified. Additionally, the bank could not confirm if the funds from the check have been applied to account, or simply taken by the bank despite the rejection. 

I am filing this complaint because PHH refuses to remove PMI from my home mortgage despite the fact that I meet the requirements of the Homeownership Protection Act of XX/XX/XXXX. I have paid down my mortgage to XXXX % of the loan, have a good record of payment and compliance with the terms of the mortgage, made a written request, and paid for the COV to show that the value of the property has n't gone down. The property is not encumbered with liens ( such as a XXXX mortgage ). Since I meet all these conditions, PHH must grant the request to cancel the PMI.

Company response to consumer: Closed with explanation