BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my property mortgaged with Freedom Mortgage, with closing scheduled XX/XX/XXXX. I have made three attempts to obtain a payoff statement from Freedom Mortgage - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - all of which have been unsuccessful. During my XX/XX/XXXX conversation with Freedom Mortgage, they stated that they will make every attempt to provide the payoff statement on XX/XX/XXXX - which results in a likely delay of scheduled closing. 

Why does it take 17 days to obtain a payoff amount/statement for an existing loan?

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 2020-02-14
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I left a month early on my lease and I had discussed this with the front office and they said that it was okay and that they had another person to lease it to. Since then I have been contacted to pay a debt of XXXX and then I recently received a notice that i owed almost XXXX. I have tried disputing this with the bureaus because the amounts have grown when they should have been nothing to start with and now they are absorbant. Even charging me for court costs for something that has never gone to court even. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company, Discover wanted me to release to them a copy of my tax file. I told them they are not prevy to my tax records as they are not my tax man nor IRS. There credit limit was only XXXX so they got made and closed the account..they kept asking me to activate the card but I never did..they approve the credit account sent me a credit card then after the fact they begin there invistigation. All the time sending me email to activate the account which I never did. I consider this action on their part questionable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has caused me to be denied credit by reporting a low Fico score of XXXX as of today. The other two reporting agencies are reporting a score of XXXX. 

I disputed an entry for collections from XXXX XXXX. It was removed from the other two agencies and remains on my Experian report and they failed to verify the information as accurate. 

Ive disputed it again but the damage has already occurred.

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 2022-07-14
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, I wsa notified by my XXXX XXXX app I ad a debt collection reported on my XXXX. Upon checking my credit report on XXXX, I noted a debt reported from XXXX XXXX XXXX. I XXXX  that information and found it belong to XXXX XXXX XXXX XXXX XXXX XXXX. I called multiple times and on Wednesday XXXX XXXX I was able to speak with a collection manager there. She stated they sent a medical bill out multiple times to an address in XXXX XXXX, FL. I told her that is an old address, and that my most recent receipt of co-payment of {$5.00} on XXXX XXXX receipt # XXXX reflected my current XXXX, FL address, so I was confused as to why she would then send a bill in XX/XX/XXXX of XXXX to the wrong and old address in XXXX XXXX, FL. She was apologetic, and stated they turned it over in XXXX, XXXX less than XXXX later to a collection agency named " Credit collections USA '' and gave me there number. She wrote an email explaining the error of address to them as well. I called Credit Coll USA this morning XXXX XXXX, and initially they are refusing to delete the debt. I notified them I had not recieved correspondence of my consumer rights nor an itemized bill from them or the dental school as a result of the wrong address so the collections was incorrectly reported and Id like it removed. The collections company then stated I could pay in full the debt today and they will remove it 30 days later, but are refusing to provide me a written agreement of that. I reaced out to a lawyer who suggest I file HIPPA against XXXX XXXX XXXX, and write a consumer complaint against the collection agency for incorrectly reported debt, failure to provide me with a statement of consumer rights, failure to correctly contact about debt, HIPPA violation, failure to supply with itemized bill to prove debt is mine, and failure to provide written agreement and false promises to remove 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 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 
( XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: MO
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 mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, Requested a replacement card so that I could set up my online account. The company associate closed my account instead. I never received a replacement card and stopped receiving billing statements. So I have absolutely no visibility into the account. I would call and was told that I couldnt pay the bill because the account was closed due to Fraud. Never reported fraud or that it was stolen. I also was told that I couldnt get a replacement card which was my initial request. So now I still cant pay my bill because of their error. They reported it to the credit bureau and saying that the only way I can pay is through collections. I was also told by their fraud manager that there was a system glitch on their in. So Im being negatively impacted because of a company error.

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 2022-02-15
Company: EQUIFAX, INC.
State: MI
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:
This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Transunion is showing XXXX XXXX which has been closed and satisfied long ago still on my credit report. This account needs to come off of my report. 
It is also showing XXXX account which is not my account, it was closed but it is still showing up on my credit report. This also needs to come off of my report. This is stopping me from getting a car.

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 2021-06-08
Company: DISCOVER BANK
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:
These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX  and XXXX  1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told this company on a recorded line to stop calling my phone day and night. This is against FDCPA and FCCPA. Please see recording of them calling and me calling them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dispite my 100 % on time payments to Walmart credit card they have lowered my overall credit limit from originally {$300.00} to now {$100.00}. I have overpaid them and I dont know where my credit of {$200.00} went. I want my credit limit increased that is not right!

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 2017-09-07
Company: CARD Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This company is holding a {$100.00} deposit from a hotel stay from a week ago. I called and asked why they have n't released the pending transaction and was told by the customer service rep that it takes a month and if I wanted sooner I had to submit a merchant release from the hotel. Mind you the hotel releases it upon checkout and after that it is up to the bank they think I 'm stupid and I think they are trying to take my money. I told them I 'm in florida and need my money asap to evacuate during the storm and no empathy and I went as far up as the supervisor ans he didnt even budge. I submitted my receipts and all that clearly showes the charges made to the card as well as the deposit and they are telling me its invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payment was due XX/XX/XXXX, and I sent it from my bank 's bill pay service on XX/XX/XXXX. The payment is via a physical check. Bank of America posted the payment on XX/XX/XXXX and charged me a late fee. BofA claims this was because of post office delays, but I have my doubts since BofA routinely takes a week longer to post payments than the insurance company I pay from the same bill pay service. BofA reps claim they want to give the fee back but " the system '' won't let them because they've had to fix this several times in the last year. Multiple times BofA promised that a supervisor with additional authority would call me back, but it never happened.

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 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America did not make the County property tax payment for XXXX and XXXX. I received a delinquency notice in XX/XX/XXXX and again in XX/XX/XXXX ( {$670.00} - {$35.00} late fee included ) regarding nonpayment. I contacted Bank of America on each occasion and was informed that it was an error on their end. I contacted customer service on XX/XX/XXXX to inform them of nonpayment from my escrow account. I was informed that this would be escalated and paid immediately. I checked my online account on XX/XX/XXXX to see if the payment had been made. The payment had not been submitted and I contacted customer once again. I was informed that the payment had not been paid and a manager would call me back.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX  child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL Transunion stated to contact the fraud dept they couldnt help me Ive uploaded Transunion 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 explanation
Consumer complaint received 2021-02-20
Company: Shellpoint Partners, LLC
State: MI
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:
On XX/XX/XXXX NewRez claimed they closed my mortgage account but it still showed open on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX

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 2018-10-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated during the financial crisis in XX/XX/XXXX. Couldn't find a full time job until XX/XX/XXXX when my monthly salary was less than $ 30k and Sallie Mae asked me to make my first payment of {$1600.00} towards my student loan which at the time was impossible, it still is even though I make a decent salary. Over the years I have worked with the lender to help lower my payments by extending the life of the loan, sometimes having to forebear, etc. I've worked with them as much as I could and currently making monthly payments at around {$1300.00}. No matter how hard I tried to keep up I couldn't. WIth the majority of my income going towards my student loans I fell into credit card debt to survive. I just did an analysis of my Navient Student loan payments and discovered that. 
1. I made $ XXXX in payments since XX/XX/XXXX 2. Only 10 % or $ XXXX of that went towards my principal balance 3. I still have $ XXXX in student loan debt. This means if it takes $ XXXX out of my pocket to pay off $ XXXX in principal balance, then I'll be paying XXXX  XXXX overtime to pay off my loans ... SEND HELP. 

I've attached all my payment history for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX Bank took {$680.00} out of my escrow account to take out a flood insurance policy with XXXX. XXXX Bank has had a copy of my Flood Insurance policy with XXXX since they purchased my loan from XXXX XXXX XXXX in XXXX of XXXX. I have submitted copies of the flood insurance policy sent several messages and called the customer service number. Through the online messages, calls and letters I was informed that XXXX refunded the {$680.00} to XXXX Bank, but XXXX Bank accidently funded another customer 's account my money. Last they responded they were expecting to have the money in my account by the end of XXXX. The {$680.00} has not been refunded. It is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
complain wellsfargo accuse me of eldery financial abuse and that is affectin me my well being since i do not do that my granparents receive there money whenni withdraw it and if i use there checking account they gave me permission if for example i have a bill to pay i have the money cash i give it to my grandfather and he authorize me to use the funds never without there permission we had a problem when i didnt remember some withdraws made and they told me to make. fraud claim andnorder them new debit card now its XXXX me my XXXX being because i never been accused of that and its bringing me XXXX XXXX. my grandparent will be going to the bank and are speaking to the social service case worker im in processnof loooling for a lawyer to sue for XXXX XXXX this cause 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