BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Cadence Bank
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BancorpSouth Mortgage Is Breaking Federal Rules My payments have not been credited correctly in a timelymanorand I have not receivedmy last statement. Even though I alwayspay waymore than enough, It always shows that my account is overdue. 

Someone called me and said they would freeze my mortgage account if I kept paying partial payments, ( even though I pay more than half due twice per month and I always have more than enough to cover my mortagage payment on the date due ). Example : {$900.00} mortgage bill, I would pay {$500.00} the month before it was due on the 1st, then pay {$500.00} the month before on the XXXX. Totaling to {$1000.00}, 15 days before my bill is acutally due ( {$100.00} over what I owe ) I told her I need to know more information because I am paying way more than what I owe and that I've never had a late payment. I explained that she needs to outline in my contract where it says I can not pay this way and she said that the contract does not specify that but if i continue to make payments like this, that i will acquire late fees and blows to my credit score that will not be reversable.

She also said she would send a letter to me and have her manager call me. I have received neither of those and then they froze my account.

I called again and the manager told me she would unfreeze my account as long as I make payments in full then send in another payment for any extra that I want to pay. I agreed even though they are breaking federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a fradulent purchase made with my CAPITAL ONE credit card. I tried to file a dispute, and was told that I did not provide enough evidence to have this charge reversed. XXXX XXXX XXXX fradulently used my card to order an appraisal from XXXX  XXXX XXXX, however, I never authorized this charge at all. There is nothing in documentation that indicates that I authorized this charge. This is absolute fraud. 

Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am having a problem with XXXX on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. XXXX did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that XXXX corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX and Equifax were contacted via phone to dispute several fraudulent and unauthorized inquiries on my credit report. These inquiries were not authorized with my consent. I want these removed cause they are causing harm to my credit profile. This matter is urgent and needs to be handle n XXXX items needed for deletion : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Equifax items needed for deletion : XXXX XXXX  - XXXX XXXX - XXXX ; XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Ditech Financial LLC
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Ditech, formerly Greentree, a financial institution holds a XXXX lies on my residential dwelling. The XXXX mortgage was originally done through XXXX I think. But now, Ditech has the loan and for the past year, has refused to give me a copy of the contract and payment structure. This has prevented me from refinancing the home and getting a better interest rate. Currently we have a 6.5 % mortgage with Chasey on a 30 year fixed and a XXXX mortgage at 8.25 %. 
I believe we are victims of racial bias based on prior lending practiceso of the XXXX XXXX XXXX, who was part of the original loan. I have decided to withhold payment from Ditech until such time that they render to me the document ( s ) I have previously requested and they agreed to send.

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: Tate and Kirlin Assoc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
False Collection 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 2021-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. After months of processing and making follow-ups to EQUIFAX with regards to my request of getting this unauthorized inquiry to be removed from my Credit Reports XXXX Nevertheless, I have neither heard anything from Equifax nor received any kind of response. Consequently, I have decided to reach out to you to ask for some assistance and help. Equifax hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they are to provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the unauthorized inquiry : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am filing this complaint against All XXXX bureaus : transunion, XXXX, and XXXX. I pulled my free annual credit reports and they were all high. However, when I went to get a car loan the reports they claimed they saw from transunion was not as high, and I did not qualify for the 0 % interest loan that I should have. The lender says the free reports we get from the credit bureaus are not the same reports they have access to. This means all XXXX credit bureaus are in violation of providing accurate free credit reports to consumers yearly. They are providing different reports, they are not providing accurate information. This cost me money and the government needs to hold them accountable.

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 2021-09-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Equifax in XX/XX/2021 about have inquires on my this is was not resolved and I filed a complaint and nothing was still not taking seriously and still reported on XXXX the XXXX I contacted them again at this point sending a police report along with my Identification and was told on XX/XX/2021 they had gotten A cover letter ID and SS but not police report I am reaching out to you letting you know that they still have not taken care of this issue yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC took over my mortgage in XXXX, XXXX, from XXXX. Since then, I was charged monthly " payment '' fees of {$12.00} per payment, and there were several payments made automatically out of my banking account without my direct authorization for those payments, resulting in overdraft fees, in some cases. There were also a few payments made where I questioned the proper application of payment credit towards the principal amount vs. interest. Upon inquiring about these discrepancies to their customer service, they said they would " get back '' to me when they have completed their review, but they never responded back. 
For the record, I have been under extreme financial stress throughout this period of time with Green Tree and I was late on payments at times. Green Tree collection representatives would repeatedly call me at all hours of the day and evening, with high pressure and often " contentious '' dialogue, to compel me to make a payment, forcing me at times to make a payment without having funds immediately available in my bank account, but they did not care, even after telling them that funds would not be available, and they still processed the payments, resulting in further overdraft fees. 
From XXXX XXXX until about XXXX XXXX, I went thru this horrible experience with Green Tree. Ditech Mortgage has since taken over my mortgage account, so far, seems to be more pleasant to deal with but I am still upset with what I went thru with Green Tree. I recently heard about a settlement the CFPB had with Green Tree and I would like to be included in that collective group of customers harmed by this company. Thank you. 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 2021-09-16
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications. 

On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand. 

" JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The prior owner sold her property @ XXXX XXXX XXXX on XXXX/XXXX/XXXX ( Legal : XXXX ) ; she had refi 'd 2 of her properties ( this XXXX & XXXX XXXX XXXX ) at the same time with BOA in XXXX XXXX ; both new dot 's had the same legal attached ( from the XXXX XXXX XXXX ) ( XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX & XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX ) ; Title Company & prior owner have made numerous phone calls to BOA starting the beginning of XXXX XXXX to have them do a Partial Release on Lot XXXX, but instead they did a Corrected DOT-correcting the legal description to XXXX ( recorded XXXX/XXXX/XXXX @ Rec # 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 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a XXXX savings account at Bank of America. They charge me a fee of {$2.00} every month. I have raised three tickets asking them for an explanation but they do not bother to respond. First ticket XXXX was raised on on XXXX XXXX, second ticket XXXX on XXXX, and third ticket XXXX on XXXX. They just close the tickets in their system as 'resolved ' without bothering to respond. My questions to them are - where did I authorize you to deduct this fee every month? For how long are you going to deduct them? How can I avoid this fee?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XX/XX/2016, by my loan documents, I am no longer required to pay for pmi. But BofA still says I have to pay for another month because my XX/XX/XXXX payment fell on XX/XX/XXXX. They say I will no longer have to pay it come XX/XX/XXXX payment. They disregarding the terms of my contract.

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
Consumer complaint received 2021-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
My ex husband took out a automobile loan in my name - after seeing it on my credit report he agreed to make all payments. We had a divorce settlement in 2020 which he took full responsibility of the debt. The automobile was financed under my name and social- it appears solely on my credit reports. At the beginning of the pandemic the company sent emails to consumers encouraging to call in and set up payment arrangements if necessary. I called in and asked to extend my due date to the XXXX - not a partial payment arrangement. She said that wouldnt be a problem. I asked her if payments would be marked late- she reiterated that it will NOT as long as it is pod by the XXXX. After years of paying - 4 months ago over 5 late payments appeared on my credit Report in the midst of a mortgage approval and three weeks away from closing. My credit score went from XXXX all the way down to XXXX and I will seek legal action if they dont resolve this. They are claiming that the payment for the XXXX was supposed to be a one time payment and that makes no sense, I record every call between me and this company after a bad experience with them years ago. I would like to upload the recordings along with my dashboard so that you guys can see the timeline of how they have been financially abusing my credit report as well as my loan officer can testify to this that this is complete consumer financial abuse by a company that is known to do this. They have no customer service, their representatives are limited educated individuals trained in collections. The judge ordered my husband XXXX XXXX to take over that and responsibility of this account, I sent in a copy of the divorce settlement and called in over a year ago - their response to me was that they have no department that deals with us.

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 2016-06-17
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had filed previously a complaint regarding my auto laon with Drive Time not appearing on my XXXX credit report, complaint # XXXX. On XXXX Drive Time representative named XXXX XXXX responded by stating : " Due to complications with the reinstatement process, we determined that XXXX XXXX 's loan has not been reporting to XXXX. We followed procedures previously determined by XXXX to be adequate for reinstatement and believed that XXXX XXXX 's trade line had begun to report. Upon realization that his loan was not reporting, we contacted XXXX and discussed alternative approaches for reinstatement, which have also been unsuccessful. We are currently working with XXXX to reach an amicable resolution for XXXX XXXX in the reinstatement of his trade line. 
We have been in correspondence with XXXX XXXX in regard to this matter, and we will contact him with any updates as they are made available. We apologize for any confusion or inconvenience this matter may have caused. Once the complications with reinstatement have been resolved, XXXX XXXX 's trade line should begin to reflect on his XXXX credit reporting within 30-60 days. '' I XXXX XXXX contacted XXXX on XXXX/XXXX/XXXX, to find out, my auto loan with Drive Time till this day does not appear on my XXXX credit report. This issue has been going on between me and Drive Time since XXXX/XXXX/XXXX when this issue was brought to my awareness. I brought it up to Drive Time on XXXX/XXXX/XXXX and still remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I opened a credit card account with Discover. I have just checked my credit report & apparently I have late payments on XXXX, XXXX, & XXXX of 2018. I have had automatic payments set up since i opened the account, so I dont understand how I can have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a delinquent notice for City property taxes on my condo on XXXX/XXXX/XXXX. PennyMac was supposed to have paid these taxes in XXXX. The city had added late fees and penalties to the total. I called PennyMac on the same day and they said the matter would be resolved. The taxes were due XXXX/XXXX/XXXX and I told this to PennyMac on XXXX. 

After calls on XXXX, XXXX, and XXXX, along with an email on XXXX, PennyMac still did not pay the taxes from escrow where there was enough money present to cover the amount. I have now paid the taxes myself and want PennyMac to reimburse the taxes from my escrow account and to also reimburse the late fees and processing fees from their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: BlueChip Financial
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was trying to find a installment loan and that is what they said that they were when talking with them on phone not a payday loan. they said XXXX was the payment amount and that is what I thought was the monthly payment for 6 months. I agreed over the phone and then I questioned after they had taken XXXX from my checking account and that is when they send me their agreement that was for over a year and it showed I still owed almost the whole amount. I sent them an email which I will attach telling them to stop taking out of my account that the loan had been paid plus interest and if they did not send me notification that they closed my account I was revoking authority for them to take money from my account. I have not heard anything from them since last week and do n't know if they will still take money from my account on Friday the XXXX or not so I am filing a complaint. They are not licensed in Michigan and they say they do n't have to be which is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation