BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-28
Company: Hart West Financial, Inc
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I locked a 30 year mortgage at 3.375 % on XX/XX/2016 with a 45 day lock and paid for the appraisal and credit report on XX/XX/XXXX for {$580.00}. The appraisal came in low, $ XXXX lower than one that was done 6 weeks prior so I was hesitant to move forward as it would have involved PMI at the current amount I applied for. This took place on XX/XX/XXXX ... ..The staff at Hart West advised that I could submit comps to challenge the valuation and I did that the same day and next and sent the appraisal that had been done 6 weeks prior with the valuation of {$500000.00}. I assumed this was all that was needed as I did not hear back from the lender and had submitted the other additional information they needed clarification on. I finally heard back from Hart West on XX/XX/XXXX and confirmed that I would move forward with the lower valuation and bring more money to closing. I was the told my lock would expire on XX/XX/XXXX and the company said it would cost an additional {$990.00} to extend the lock. I asked them to honor the original terms as they had plenty of time to clarify things and close my loan within the 45 day lock and they have refused to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Experian to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.

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 2021-11-26
Company: EQUIFAX, INC.
State: VA
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:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a CITI Diamond Preferred Card and was given an {$1800.00} credit limit. I have never paid late, managed my credit limit responsibly. I make over $ XXXX annually and have more than enough resources to pay the obligations on this card. About 2 months ago I receive a notice from CITI indicating that my credit line was being reduced. I did not agree with the this decision and called to complain. My credit line was reinstated and I was told that I should not have this issue again. On XX/XX/2016, I received an email indicating that once again, my credit limit was being reduced. I called again to complain and they submitted my claim for reinstatement. This request was denied. There is no reason for CITI to be doing this since I have paid my account in full almost every month and have not given them any indicators that I would be a non-pay risk

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Naviant took my tax return this year and I never got a letter stating I was in default. Nor did I get a phone call. I called and they told me I 've been in default for 3 years yet this was the first they took my refund. I live at same address have same phone number and they claimed on XXXX XXXX I told them not to call. I did n't even get a phone call! They lie and make up stuff i asked the kid if he could get the recording of " my voice " and he said he could n't. They 're a huge scam and I 'm behind in rent they took all my back pay that I owe to my landlord and I 'm going to be evicted with my XXXX year old son.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. 

I read in your website it should be automatically drop when it is 78 % loan to value. 
I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. 
thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER 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 2022-03-14
Company: Alpha Recovery Corp
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX at XXXX pm, I received a call from Alpha Recovery Corp at XXXX. They are the THIRD debt collector to call me in 12 months seeking payment of a {$500.00} debt from XXXX XXXX retail store. The 2019 debt was filed as FRAUD. The fraud claim was told and shared with three debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
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:
I disputed accounts with Equifax and they have not responded within the required time by the FCRA. I would like the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I reported to TransUnion 5 months ago there is a name on my credit report that is not mine and has bee added by mistake. The name is " XXXX XXXX XXXX '' I am not aware of who this person. This name " XXXX XXXX XXXX '' is should not be associated with my credit report. 

I have reported numerous times to TransUnion and ask them to remove it. Each time TransUnion stated it would be removed, but every time I view my report, this name " XXXX XXXX XXXX '' still listed. 

I need your assistance to get this name off of 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 2017-01-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.

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 2016-09-08
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Notified Transunion of accounts that were opened fraudulently or opened and charged fraudulently after I closed the accounts. One account was a XXXX XXXX card that I opened and paid for years regularly on and never missed a payment. I stopped using the card and it was stolen and used fraudulently for goods and services I did not receive or benefit from. I did not know that the card was being used or that it had been charged off after I stopped using it until I check my credit report. The card had a XXXX  balance and should not have been closed as derogatory or with a {$950.00} balance. I sent a noticed copy of the FTC report highlighting the fraudulent use of this card and the fraudulent opening of a XXXX XXXX credit card that I also stopped using but did not close. It was also charged fraudulently and closed as a derogatory account with and outstanding balance. This card should have a XXXX balance and be in good standing. Transunion failed to remove the fraudulent information or take care of it per the FTC guidelines and will not remove the accounts even with the FTC report, police report and noticed copy of all my information. This is a violation of my rights and a failure on the part of Transunion to report accurate l, correct and valid information. The information it is reporting is hurting my ability to use my credit and they are clearly violating my rights. I have requested the information be corrected and deleted or reported as it was before the fraudulent activity. They have failed to do so

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 2020-03-04
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: Information belongs to someone else

Complaint:
I have been trying to resolve this issue with credit agencies however they have refused to remove these account from my credit as it is in the FCRA : Any account reported as identity theft should be remove from consumer credit file, if you don't provide me with original contract with my signature in it these accounts can not be verified. In order to list these account you have to have original document with my signature in it. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2022-03-14
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank continue to keep my tax escrow. In XX/XX/XXXX I was awarded 100 % disable veteran status. I contacted the tax assessor in XXXX XXXX to advise of the veteran status of 100 % and was told starting XX/XX/XXXX I will no longer be required to pay real estate taxes for my property. I mail and faxed a copy of the letter from XXXX XXXX tax assessor office advising Flagstar on the change effective XX/XX/XXXX in which the escrow department acknowledge receipt of the documents. My escrow account was reanalyzed in XX/XX/XXXX and I receive a letter stating my escrow account would be short and in XX/XX/XXXX my payments would increase even though my real estate are no longer required by XXXX XXXX tax assessor. Since XX/XX/XXXX my payment increase due to the escrow shortage and the payment include real estate tax which are no longer required. I've never received any of the excess overage from my escrow account for the 2021 year. I've paid all my mortgage payments and have never been late however my escrow funds are still collecting for real estate taxes. It is illegal for mortgage companies to keep escrow funds and not accept the tax exempt from XXXX XXXX, FL. I would like my excess real estate amount as well the account needs to be re-analyzed to remove the real estate taxes asap and not wait until 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 explanation
Consumer complaint received 2022-03-15
Company: M&T BANK CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a car loan at my local car dealer. My source of funds were my XXXX XXXX Compensation and money/inheritance I receive from my mother. M & T Bank has XXXX  profiled me. Closed my account due to a defamatory comment by XXXX against me. and Were talking to me about the XXXX XXXX XXXX. They also told me they would take action which to me meant they are working with Police on criminal charges. I will say its hard being a XXXX in America and I can not accept this inequitable treatment anymore. Consumer Finance Protection Bureau of Washington DC you are complacent. I have no accessibility to the car loan I have. M & T Bank even claims they are enforcing a generic Virginia law contract. Its so weird how banks believe they can oppress you- and you know they can because this has caused substantial damages that was overly burdensome more than most men can bear. 

I disputed the interest charges from he last time I had accessibility to present time but my dispute has not been processed or responded to in writing. Today I paid {$880.00} on a car loan that I have no access to the loan number or what was charged and for what. I dont know interest rates interest charges per diems or anything since I am a XXXX in America . I just want to let you know that it is my Goal to have a Jury of my peers see the systematic XXXX XXXX XXXX  for XXXX in the Financial System. This one is a little different though- this one is a liability, a loan, an obligation. What a sad state of affairs. We are in. CFPB ask them how many hours I had to be damaged to deal with this. This is a recurring problem of XXXX XXXX XXXX XXXX from the FInance System that has caused consequential damages to self which could be described as overly burdensome by the average 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 2015-08-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Re : XXXXThree years ago, I was XXXX. I purchased XXXX domains in the name of the company and personnel. I made the mistake of leaving my credit card number on the account and the company did not change it. My name appears nowhere on the account, I can not log into the account, yet with my credit card number on file, they billed the card on XXXX/XXXX/15 for {$29.00}. I had not received a notice of renewal, in spite of the American Express card having expired. I called them numerous times pointing out that the account was not mine, I could not login to change anything, and I do not wish to renew the domains. I was assured by " XXXX in Billing '' that the expired credit had been cancelled from the account. On XXXX/XXXX/15, another " receipt '' from XXXX, this time for {$280.00}. Again, I called American Express to dispute the charge and placed a block on any future charges from XXXX. I also filed a complaint with the XXXX, AZ Better Business Bureau. I then called XXXX to find out why they had charged a cancelled card, only to find out from " XXXX in Billing '' that the card had been " renewed, '' probably by American Express. When I asked for the expiration date on the " renewal '' the date " XXXX '' provided was incorrect. " XXXX '' would not acknowledge the assurance from " XXXX '' and refused to remove my credit card number from the account without my providing another or that I contact the account holder to tell him provide a card. Following this, I contacted American Express again, this time requesting a fraud investigation since they had not, and would not, alter anything regarding a cardholder with any company without my permission and action. That can only mean that XXXX altered my credit card data on their account, which amounts to pure and simple fraud. XXXX insists that a " Protected Registration '' holds my liable for full payment since my credit card is on the account - but I am in no way involved in the account or company, and the card has expired anyway. They insist that I have to contact the name on the account, in spite of their holding all of his contact information, to get the account cancelled. I have now had to cancel the card and go through the process of resetting auto-debits to that card. A genuine nightmare!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: VA
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:
I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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 2022-07-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I closed my checking account with Chase bank on the phone via their customer support and was informed that a check would be issued for my remaining account balance of {$720.00}. 

On XX/XX/2022 I received a statement from Chase bank for the closed account ; the statement showed that the account had been closed on XX/XX/XXXX and that a check had been issued for the remaining balance of {$720.00}. 

Starting XX/XX/2022 - I have spent over 6 hours on the phone with Chase customer support as well as 1.5 hours at a physical Chase branch location trying to have a new check issued. 

Their customer support representative told me that while their records indicate a check had been issued, no check number or dollar amount is available. Each time I call the customer support line, I am transferred between the same 3 - 4 departments until I am either hung up on or transferred back to the main customer support switchboard. 

I have not been informed of any path to resolution apart from being informed that they are " investigating the issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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: Information belongs to someone else

Complaint:
U S DEPT OF EDXXXX Balance on XX/XX/2022, {$9600.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$2800.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$4100.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$4800.00} These are four accounts that I have disputed five different times and they will take them off my credit report for a few years and put them back on my credit report when they are sold to another agency. This is not my debt and it is a fraud that has been reported over and over again. It gets removed and then pops up a few years later when another agency acquires the debt. I get 10 to 12 calls a week from different agencies offering to remove this from my credit report for {$350.00} per entry. Sometimes I get calls offering me a 50 % off a settlement to rectify the situation or a call from someone saying that they have a warrant for my arrest if I don't resolve this debt immediately. This is a fraud account, and I am overwhelmed with the harassment. I was totally unaware of the fact that America has the ability to incarcerate someone for a 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