BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
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 status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  As a consumer by law these accounts on this letter must be updated or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage misappropriated a refund check from our insurance company to our escrow account to our principal. This was done even though we sent the check with a letter stating exactly where the money was to be placed. They gave us the language to use in the letter. This error was not realized until there was an escrow analysis done and we were notified that we had an escrow shortage. There was no way to access our escrow account on line and we were unable to see the running balance. We contacted Freedom Mortgage and they said they would investigate. Without contacting us they transferred money from our principal to the escrow account. This was an issue as they did not apply it to the escrow shortage account, therefore we were still showing an escrow shortage. This issue took 10 phone calls and 20 hours. We are still paying money to this shortage and we are not convinced that there is an actual shortage because they have not provided evidence. We asked to have our PMI removed and were told we needed to have an appraisal. We have paid for the appraisal from their providerand submitted to Freedom Mortgage. When we call customer service they say that we were approved to have PMI removed from our account on XX/XX/2017. We have received no notification from freedom mortgage. We paid the PMI for XX/XX/XXXX as it was still indicated on our bill. If we did not pay it would be denied as an insufficient payment. Our XX/XX/XXXX mortgage payment still indicates the payment required for PMI and we are still paying the escrow shortage!!!!!!. We have called every day and we are told that they are emailing the escrow department. There is no one to speak to. You can either get a very sympathetic customer service representative who tells you that they are sorry and they know that this is wrong, or you get someone who is very rude. If you ask to speak to a supervisor they put you on the phone with a deescalation member who is not a supervisor. There is no accountability with this company they give empty promises of sending e mails to the department that can help you and than you never hear back. We asked to pay our own taxes and insurance an we were told since our PMI cancellation was approved we were being released from that obligation. When we called to ask why our bill still has us paying taxes and insurance to escrow we are told they may want to wait a few months to make a payment in XX/XX/XXXX? We never speak to a bank official we only speak to customer service representatives who have no definitive answers. This company is a predatory lender they use smoke and mirrors to misappropriate funds and they are not servicing my loan appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX  Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/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 2017-05-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been a customer and Lowe 's credit card account holder since  XXXX  of  2005 . As a homeowner having and maintaining this account is almost a necessity. Over the past 12 years I have managed the account responsibly. Recently, due to incid ents ( errors ) to no fault of my own, my credit score was negatively impacted. The first incident involved my mortgage company incorrectly reporting payments, this incident was corrected and the company apologized. The letter is included for your reference. Unfortunately, around this same time, I had my smartphone stolen from a gym bag and as a result someone attempted to compromise my  identity. Despite both situations being fully remediated I am still feeling the impact from it because of what unknowing creditors are doing based on their due diligence processes. Rece ntly my Lowe 's credit account credit limit was reduced from {$8300.00} to {$3100.00}. This is caus ing further direct damage to the creditworthiness of my family and jeopardizes many plans that we have for college for our children and life in general. Credit utilization impacts your score so now it appear we have a " maxed out '' account. This has happened to other credit accounts closer to the initial happenings that caused the damage so I thought I was in the clear. But when this happens it is usually followed by a domino effect of other creditors doing the same thing. Also, to compound things I have had extreme difficulty logging in to the Lowe 's Credit website lately. I have had the same login information for quite a while but often the picture token i s not recognized and the answers to the security questions are not formatted correctly it appears.

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 2017-02-27
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions 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 applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts 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 2017-05-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling credit with a mortgage lender to buy a home we viewed a collection account from  XXXX   XXXX  for {$970.00 } (  Reported by  XXXX  ). This account was a charged off by  SYNCB/Sams Club.    ( Reported by   XXXX   )  meaning it was a tax write off for SYNCB. I am disputing this account with  XXXX  to have  XXXX   XXXX  remove this trade line. SYNCB is " double dipping '' by getting a {$970.00} tax write off then selling the debt to  XXXX   XXXX  for a profit. I would like  XXXX   XXXX  to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.

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 2020-03-16
Company: Shellpoint Partners, LLC
State: CA
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: Investigation took more than 30 days

Complaint:
The mortgage company is NewRez, and their major company is Shellpoint Mortgage Service, LLC. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, XXXX  ; XXXX XXXX, XXXX  ; XXXX XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion has wrong info on my home equity loan pay off. 
My XXXX home equity loan was paid off on time. I had XXXX late payments a few years ago but this loan was paid off on time. I went to them and they said they reported it paid off by consumer. Trans Union has it listed as paid Derogatory. I filed an online investigation with them and it still came back as derogatory. The bank says it filed with all the credit reporting as Paid Off. Transunion has it as derogatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Investigation took more than 30 days

Complaint:
I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please explain what this corporate advance in the amount of {$130000.00} is for. 
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. 

XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm writing this complaint about my escrow account I had with Specialized Loan Servicing. ( SLS ). I recently received my end of the year escrow statement with SLS and the statement shows a credit of {$2.00}. My total escrow should be {$95.00} a month for my taxes. SLS was charging me {$150.00} for my taxes. A difference of {$54.00}. If i'm over paying {$54.00} I should have a credit of more than {$2.00}. On XX/XX/2020 I sent SLS a NOTICE OF ERROR letter stating I wanted to see why I only had a credit of {$2.00} when SLS was over charging me {$54.00} a month. To this date I've yet to receive a response from SLS on my NOTICE OF ERROR letter I mailed to them.The letter I received stating A refund of {$2.00} does not give me any information of how SLS determined that I had an Amount of Surplus of {$2.00}, it does state my new escrow payment of {$95.00} a month, which is correct because my taxes are the same this year as they were last year.

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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account # XXXX ( TransUnion ) / XXXX XXXX # XXXX ( XXXX ) was opened fraudulently by a former member of my household without my consent and was concealed from me until they were no longer a member of my household. In an effort to resolve the matter as quickly as possible without involving law enforcement I made an agreement with XXXX XXXX / XXXX XXXX XXXX to pay the amount of {$1300.00} in to settle the account in full in exchange for non-reporting of the account on my future credit reports. XXXX XXXX XXXX accepted my payment and as their representative 's letter states ( see attached ) " the account listed above has a balance of XXXX '' and " that this matter is satisfied ''. Please remove the aforementioned account from my credit reports immediately

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 2015-11-19
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I used my debit/check card for a purchase at XXXX 's XXXX XXXX. There were insufficient funds to cover the purchase but the purchased was approved. I had previously chosen to not have a purchase approved if funds were insufficient when the same thing happened a couple of years ago. I chose to have the purchase refused. My bank is USBank. After noticing the overdraft charge in the transactions listing from the online banking site, I called USBank and they said that it was linked to my XXXX XXXX XXXX account. I stated that I specifically chose not to allow charges to be approved if my checking balance was insufficient. I also stated that an no time did I change my account to use the XXXX XXXX XXXX as a source to cover any overages. USBank charges {$12.00} to cover the purchase with the XXXX XXXX XXXX. This also means that since I have used funds from my XXXX XXXX XXXX, I am now being charged interest on the amount from the XXXX XXXX XXXX and need to make monthly payments to the XXXX XXXX XXXX until the balance of used funds is {$0.00}. To be clear, I never chose to link the XXXX XXXX XXXX to my checking account to cover purchases made on insufficient funds. Those purchased were supposed to refused per my request. These changes were made without my knowledge. Further, I can not choose to delete the XXXX XXXX XXXX from overdraft coverage from the website. I must call the XXXX number of visit the local branch to remove it from overdraft protection coverage. My local branch is located in XXXX XXXX, CA, XXXX. The clerk states that the only purpose of the XXXX XXXX XXXX is to cover overdrafts on my checking account and that in order to have my purchases refused due to insufficient funds, I will have to close the XXXX XXXX XXXX. USBank uses XXXX different terms regarding overdrafts. Overdraft Coverage and Overdraft Protection. The automated phone system says my current account does NOT have Overdraft Coverage. However, my monthly statement has a small section, easily overlooked, that states my account has Overdraft Protection linked to my XXXX XXXX XXXX. I believe this is an intentional tactic to confuse customers into incurring unintended bank charges. The USBank representatives told me that I should not be confused by their different policies and terms even though both representatives had to consult with managers and other bank employees in order to explain the difference between the terms and policies. Lastly, the representatives claimed that the XXXX XXXX XXXX was part of my checking account and could therefore be used to cover a purchase not possible with the checking account. When I asked, " if they are linked, then why was the purchase considered an overdraft? ", they claimed that the XXXX XXXX XXXX was NOT linked for that purpose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. 

I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. 

I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. 

Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. 

U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. 

The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. 

When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. 

I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. 

In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. 

I respectfully thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I bought a {$300.00} US Bank prepaid gift card as a wedding gift for a family friend. To our chagrin, they reported to us that when they tried to use it, most of the funds had been used, and the card was frozen. 

After calling US Bank, they decided to investigate the case, and was told to wait. I made several phone calls in the future, and was just told that the case was still being investigated. Eventually, we were asked to fax in necessary materials, including the credit card, the sales receipt, and my information. I was told that the fax would go directly to a supervisor and we would hear back within the next business day, but I never heard back again.

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 monetary relief