BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homepoint miscalculated my escrow after refi XX/XX/XXXX. XX/XX/XXXX I requested they correct the amount, ( too high by over {$XXXX} ). 
When I called to check on this I was told they had not even done it, and in fact had closed the issue without doing anything. I again requested a recalculation. On XX/XX/XXXX I was provided with a Escrow Statement that completely left out my home insurance payment. I asked for Homepoint to recalculate the escrow a third time. I was assigned a Complaint Associate who would take ownership of the issue, he only called me twice. Both conversations were to notify that it had not been fixed yet. Today I called because I had not heard from them and I was concerned that my home insurance payment had not been made. The associate I spoke with read the new escrow amounts to me. They are close to correct, but I think the home insurance amount is still too low. I can not access the new The people I spoke with today could not even help me because their policy is that once it has been escalated to the Complaint department I can only talk to them, but they somehow can't get anyone on the phone. This whole time, I have asked to speak with Escrow directly and they will not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Received a report that stated : Applicant is associated with anothe r SSN wh ich is reported as deceased. When trying to get a car loan, we were turned down by a few banks.

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 2020-12-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-01-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
My complaint is with Chase Health Advance ... I called this company in XXXX 2014, to let them know I was not getting a bill for this account ... .Chase agreed they were sending the bill to the wrong address and agreed to send it to the proper address ... I spoke to someone prior to this and let them know I was moving, and gave them my new address, however, this company still failed to send me a bill ... .In the past I called the company to pay the bill over the phone occasionally when I had time, however, you would think after calling in to change your address, and several other times to get the bill to your house, a large company could follow through ... Having said that, I never received a bill ... This account is being fraudulantly reported to the credit bureaus without my knowledge which violates the fair credit reporting act ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. XXXX XXXX XXXX turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Experian seems to want to listen to me. The worst part is that XXXX mortgage companies are listing XXXX days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Experian to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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'm filing this complaint, because I have tried to avail to have Capital One Auto Financing to stop reporting my account information concerning this debt, this debt begin in XXXX and they informed me they will continue to report until XXXX. According to CFPB a negative debt can be reported from the first day/month of delinquency for 7 years, my first delinquent payment was in XXXX and its now XXXX. Capital changed the acct status to closed also. I would like for them to stop reporting a debt that is beyond the statue of limitations. 
In XX/XX/XXXX I reached out to Capital One Auto Financing concerning a car I purchased in XX/XX/XXXX. Due to medical issues the payments begin to fall behind in XX/XX/XXXX and remained 60 to 90 days past due the remainder of the loan. In XX/XX/XXXX I called Capital One Auto Financing and settled the account for less than amount due, then My credit report with all 3 major credit reporting agencies reflected payment after charge off.now it reflects closed as of XX/XX/XXXX and this acct is more than 10yrs and 10 months old, I received a letter from Capital one on XXXX XXXX concerning the accuracy of their reporting to credit bureau which I will enclose. 

Thank You for Your Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection company lawyers ( Kirschenbaum & Phillips ) wrote me a harassing letter ( XX/XX/XXXX ) to collect a debt that was proven uncollectible in XXXX civil court after successful motion, by me, on ( XX/XX/XXXX ) removed the case to private arbitration with XXXX. The debt collection attorneys refused to pay for our arbitration fees, as stipulated by the XXXX XXXX XXXX member agreement they bought, as well as by an active court motion that ordered them to from XX/XX/XXXX. They ignored XXXX arbitration and the XXXX courts orders and offers to resolve or settle this alleged debt dispute. They proceeded to ignore, deny, and wait until they presumed all court and arbitration actions were done to resume harassing me again with letters on this unproven, uncollectible, and now statute dismissible debt. The dental debt is from XX/XX/XXXX. The Statute of limitations in New York State for credit card dental debt is now 3 Years as per a newly enacted law. They need to stop the harassment on invalid and uncollectible debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome, the mortgage servicer for our home loan, has proven multiple times that they are incapable of making tax ( School , County and Property ) payments on time out of the escrow account subjecting us to out-of-pocket late fees and notices of delinquency. 
It is impossible to get a hold of a customer representative over the phone which leads us to feel helpless towards the situation and afraid of the legal repercussions due to their lack of professionalism. This is a stressful situation that has taken a toll in our lives. 
AmeriHome has made it abundantly clear that they do not have the consumers interest in mind which begs the question : If the sole purpose of a mortgage servicer is not met, should they be licensed to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Wilber and Associates, P.C.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Back last year in XX/XX/2021 i had a minor accident were i hit another car with minor damage.So after about a month i was contacted about the damages.And then a month after i got a call from WILBER GROUP. stating that i owed XXXX dont know the exact amount. and then w.g contacted me and stated that they would take my licenses away and upon that they said they needed 50 % upfront so i let them know i couldnt afford to pay them the amount. So i started off paying XXXX per month to them. And then couple months later my license was suspended. Which then for about 3months i had no licenses. Then i agreed to give them {$200.00} a month until my financial situation changed i called too change my payment amount & they told me i couldnt that they have already waived some things. They was calling my phone late night XXXX XXXX sometimes later! Very rude & demanding people they talk over you while youre talking.

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 2015-10-24
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-29
Company: Security National Financial Corp
State: UT
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:
Security National Mortgage is reporting inaccurately on my credit report. This account was transferred to XXXX  XXXX and I have been paying my dues with XXXX  XXXX on time every month. Not once did I ever need to pay Security National because it was transferred Immediately. Well recently I checked my credit and noticed that Security National Mortgage was reporting me late and still had this account open?!? I received a letter from Security National that my account was closed and sold to XXXX  XXXX so why is it reporting lates and a balance? This is a violation and needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: CO
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/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to XXXX, Experian to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

XXXX Has yet to even investigate this - Its still showing on my report as well as showing as a Derogatory account. The account should be deleted immediately. 

Experian- changed the account from derogatory to paid- did not even update the account to show there was a dispute, and the account is still showing on my credit report. This needs to be deleted 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 non-monetary relief
Consumer complaint received 2015-11-28
Company: Paypal Holdings, Inc
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This was the email I received from PayPal as I have disputed unauthorized charges and I have filed a police report PayPal Protection account so that they would take care of the matter for me I spoke to XXXX they cancel the card they received the police report and reissued me another card with and stated they would help me PayPal has lied to me about helping me and sent this email to meDear XXXX XXXX, Your PayPal account has been limited due to an excessive number of reversed transactions. 

As a result of this limitation you ca n't send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection. We understand this may be disappointing, but you can continue to pursue resolution directly with the seller. 

If you require additional assistance, or have any concerns, feel free to contact us directly at XXXXXXXXXXXX. 

Thank you, XXXXPayPal Protection Services DepartmentXXXX, I just received your email, I am protected by law from fraud and identity theft I have provided a police report I have explained my situation to you as in eBay and XXXX I will be contacting the Consumer Financial Protection Bureau and filing a claim through them, unless you help me resolve this matter as I was told by XXXX that works in your department that the matter would be taken care of and that you would be working with XXXX to help me with this your email as it is noble and I except the professionalism it is still unacceptable identity theft and fraud is a very serious matter one that I will prosecute to the fullest extent of the law As I am a victim of identity theft and fraud you may contact me at area code XXXX XXXX XXXX XXXX where you make contact me through my email. But I will be filing the claim with the Consumer Financial Protection Bureau a response is requested and required thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: CO
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/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to Equifax to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

When I received my credit report - Equifax decided to not only NOT remove the account, but ADD ANOTHER account for a different amount from the same creditor. 

Ive included all copies of communication and the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I joined Sam 's Club last year and was enticed to get the Sam 's Club credit card from Synchrony Bank for the annual rebate. I recently received communication from the bank that my rewards were available, but after two trips to Sam 's Club I was unable to get my rewards at the store, as advertised. The last time I went to Sam 's the fine Sam 's employee called Synchrony Bank who promised that I would receive a statement credit. After six days I called the bank because I had not received my credit. They promised that I would receive my credit by XX/XX/2022. Today, XX/XX/XXXX, I still have not received the credit. I called Synchrony and they now say it will " probably take one to two cycles '', effectively XX/XX/XXXX, to receive my credit. At this point I am doubtful of any promises from Synchrony Bank. It seems unthinkable that it could be so difficult for them to process my credit.

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 2020-12-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Primary Issue : I have two credit cards with Chase Bank. 
I would like to close them. 
The website does not allow the user to close the account and directs the user to contact Chase via phone. 
The phone menus do not have any options for either closing the account or talking to a representative. Phone menu options that include closing the account return the user to other menus to go back to where the user started from. 

Second Issue : There are two fraudulent charges on one of the accounts. There is no way to resolve them without talking to a representative.

Company response to consumer: Closed with non-monetary relief