BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Village Capital & Investment LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Village Capital opened a mortgage loan application on XX/XX/2020,  offering to refinance our current home mortgage loan at 2.5 %. I spoke to XXXX XXXX the loan officer and asked him to close the application, we were not interested in refinancing with them due to all the additional fees involved. However, they proceed with our mortgage application without our authorization. We did not close or sign any loan paperwork to accept a new mortgage loan, but it showed up on our credit report. We received a congratulations for the new mortgage loan  notice in the mail dated XX/XX/XXXX, then a mortgage statement dated XX/XX/XXXX. XXXX left me a voicemail on XX/XX/XXXX trying to set up a closing date. I called on XX/XX/XXXX, to find out more information, XXXX the receptionist, stated their systems were down and no additional information was available and refused to transfer to a manager. I completed a police report and a better business bureau report on XX/XX/XXXX. Finally, XXXX XXXX a compliance manager at Village Capital sent me a letter stating they will conduct an internal investigation. I received a past due notice for the mortgage dated XX/XX/2020 in the mail and forward that notice to her. XXXX said theyll cancel the loan out in their system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to 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
Consumer complaint received 2016-02-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
American Express has switched " Application approval Process '' on me twice within a year the XXXX was with the XXXX Amex Card from XXXX XXXX, I applied for the " Business '' Revolving Card Since I opened the " Business Executive Membership '' and instead they sent me a Personal Card Revolving Card and not the Business Card, I called them numerous times but they refused and told me they were sorry but could not change it. Then months later I applied for a Business Revolving Credit Card and again I ended up with a Business GOLD Charge Card and NOT the Revolving Card, I called explained and reminded them that I was a " NON-Profit '' Small Business and again they refused to convert the card to a ( Blue Card or a Card for Small Non for Profit Org Revolving Card that carries a Balance Overtime which would have enabled me to make monthly payments. ) Since XXXX XXXX American Express deliberately locked me out of my accounts online preventing me from visually seeing charges made on my account ( s ) and or disabling me from disputing charges and therefore I was unable to make payments, I 've called in numerous times to make complaints regarding this issue and I 've also made a complaint and requested that my accounts to be merged into XXXX revolving payment account as it should have been initially. 
American Express is intentionally causing their clients and consumers to default in payments and therefore charging Consumer 's Late Fees, and Canceling and closing out our accounts as a result their " Unethical Business Practices ''! 
This was reported and reflected on my Credit Rating as Late Payments and Therefore I was unable to be approved for a Balance Transfer with XXXX. 
I 've called them multiple times and they refused to assist to resolve any issues. They will however call you XXXX in the Mornings before XXXX and XXXX XXXX and will call you late at XXXX between XXXX and XXXX XXXX! to ask you for payment arrangements! 
I 've also called in my payments or scheduled payments in the past, but they also botched that up as well by debiting my account before they agreed payment date causing me to have over draft fees with my bank. So I no longer trusted American Express do that as well. 
They are making it hard to make the " Pay-Off Process '' very Hard! and I 'm also Disputing my Current Bill for the Gold Business Card amount {$1900.00} my spending limit was {$1500.00} Nothing has been charged to the account since XXXX XXXX. I 've returned a lot items and do not believe my account was properly credited. In XXXX XXXX I had a XXXX Balance! How did this account become so inflated! Every time I 've asked to speak to a Supervisor, i was always told sorry no one is available or they disconnect my call too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond

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 2015-04-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I mailed a letter requesting cancellation of PMI. I provided information regarding the percentage of the loan to the original value of the home along with an offer to make a XXXX time flat principal payment to get the loan to the 80 % mark as required. Today I contacted Greentree and they stated they imaged my letter on XXXX XXXX. The representative stated she would request that the escrow department take a look at my letter and they should get back to me by XXXX XXXX. This seems rather long to process a request such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

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 2020-06-17
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Procollect , INC has placed a collection on my Credit Profiles for a lease that I never had. I've never lived in XXXX, MI and they can verify that from my credit reports and my driver 's license that is registered in XXXX, MI. I've tried repeatedly to get these people to send me proof and evidence of my debt but they refuse to send me anything and refuse to settle or remove this so called obligation. I do not owe this amount period.

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 2016-08-17
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I applied for an American Express XXXX card on XXXX XXXX, 2016 with a bonus offer of XXXX points for meeting the spending requirements within 3 months. I met the spending requirements prior to the end of XXXX 2016. I was awarded the bonus points on XXXX XXXX, 2016. I have been trying to transfer the points to an airline transfer partner to book a flight for XXXX. However, my points have been under investigation for a while now, and I am still unable to use them. To make matters worse, this investigation has caused all of the points that I earned from my other American Express cards to be unusable as well. Meanwhile, the flights keep on filling up as I wait. What I want is for them to speed up this investigation process or allow me to use the points that I earned from my other American Express cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a joint account with my son because he was a minor and got his first job with XXXX and needed to cash and deposit checks. Everything was going well until he was contacted via XXXX by someone stating that they would pay him to post ads to promote their XXXX XXXX and he needed to give them his account information so that his checks could be deposited into his account. XXXX gave them his account information. When it was time for him to get paid on XX/XX/2019 he noticed money was being deposited into his account but the money was being removed no sooner that it was deposited. XXXX called me from school to advised me what was going on but by then it was too late. I tried contacting XXXX XXXX XXXX with no prevail. This was a joint account and my son was a minor taken advantage of and scammed and now we are on the hook for money we are not responsible for. I would like for my account to be restored because I have a Candle Company and I am a XXXX XXXX y trade I really need my Bank account

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, XXXX  and transunion keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX  kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be 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 2015-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014 I was approached by USAA to refi my home. They told me I would have XXXX online access to my account. In XXXX 2014 I closed on the refi and paid all the closing cost. At that time I had the access that was part of the agreement. In XXXX 2014 I applied for auto insurance with USAA. During the phone interview I admitted to committing a felony over 10 years ago. I was denied insurance, that was fine. I have the mortgage payment automatically taken out of my checking and I pay XXXX toward principal. Well last month they took more than I authorized so I went on line to check why to find out I was denied access to my mortgage account. I called USAA and was told if I did not like it that I could go find another mortgage company and refi again. They bounced me around for over 4 hours and told me its my problem. Never once did they put someone on the phone with a straight answer. I can not believe they are treating me differ than all there other clients with mortgages. They keep telling me I can use the phone app and I have had XXXX techs on and still no satisfaction. I feel I am being discriminated against and I am not getting the services that they are supposed to provide to the account. I feel I am being penalized by USAA if I want to pay on my principal at any time and I can not do my online business with them as stated in them obtaining my mortgage. I served my country proudly and made a mistake over 10 years ago that I paid for. If at the time of me refinancing I had options with other providers and XXXX online access is part of all there promotions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently completed a refinance and the former company, Shellpoint Mortgage Servicing, has not returned my escrow balance for property taxes in the amount of {$8500.00}. 
Every time I call the Shellpoint customer service they state that they will not return my money because they sent it to the county via XXXX  Batch number XXXX. 

They should not have sent it in the first place because their loan was paid off and they were required to RETURN the escrow balance to me, the CONSUMER. 

The County of XXXX TAX COLLECTOR states that they have balanced ALL of the batches and they Never recieved the funds from Shellpoint for my account. 

I called Shellpoint again today and they are now saying that XXXX is returning it to them but they will not refund me. They say I HAVE TO WAIT for their mistake!!! 

I am a single mother and that money is a substantial amount of money that I desperately NEED. Shellpoint is just playing games and they MUST return my finds but they are not cooperating. Will you Please help me? They are preying on a defenseless consumer and it is completely vile!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 - Opened XXXX XXXX  line of credit ( serviced by TD Bank ) as part of a promotional bundle. Purchased phone and accessories for the total amount of {$890.00} which was financed on this account ( XXXX ) Early XX/XX/2019 - Received first billing statement XX/XX/2019 - Paid account in full & requested account be closed. 
XX/XX/2019 - Received letter from TD customer service confirming that account was closed and that the current balance was {$0.00}. 

Received subsequent statements showing an outstanding balance with due date. 

Unsuccessfully attempted to resolve this matter with TD Bank customer service. 

TD bank has reported a potentially negative status which is impacting my credit history report and credit score.

How can I go about in resolving this matter? 

Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called capital one and requested that my due date be changed from the XXXX to the XXXX of each month. They said it would be changed. It was not changed so when I made XXXX payment on the XXXX, I noticed a {$25.00} late fee and my due date was still the XXXX. I've called again today, XX/XX/XXXX and again requested a refund of the {$25.00} fee AND my due date changed again. They won't do either and this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... 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 2022-12-14
Company: TRANSWORLD SYSTEMS INC
State: MS
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 sent a letters to XXXX certified mail with return signature on XX/XX/XXXX and XX/XX/XXXX requesting that they validate the debt they claim I owe and a cease and desist if they are unable to validate the debt. XXXX has failed to provide : 1. Documents from your company bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from you.

3. The amount of claimed debt, a true bill ; 4. Explain and show me how you calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay what you claim I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove the Statute of Limitations has NOT expired on this account ; 8. Show me that you are licensed to collect in my state ; 9. Provide me with your license numbers and Registered Agent or Agent of service ; 10. If the claimed debt was sold please provide the accounting in accordance with XXXX XXXX XXXX if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. {$1000.00} XXXX now owe me {$1000.00} due to violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech informed us in a mandatory One Time Private Mortgage Disclosure that as of XXXX 2016 that our LTV ratio based on the original value of our property was 77.5 %. We called in XXXX to enquire why the PMI was still being charged to our monthly payments, when we have the legal right to Automatic Termination when the LTV reached 78 %. Customer Services could not give any information, refused to connect us to a supervisor or to a representative from the Escrow Dept, simply stating that all PMI termination requests had to be made by mail to the Escrow Dept. We therefore wrote to the Escrow Dept, requesting Automatic Termination effective as of XXXX 2016 and a refund of the PMI charges made since XXXX. The Escrow Dept responded by mail in XXXX that this request was denied because we had not authorized an appraisal, which would be at our cost. We again called Customer Service to explain that our PMI should have terminated automatically ( as our LTV of 77.5 % was less than 78 % ) and that we were not requesting cancelation of PMI, which we understand may require an appraisal or BPO ( and which would only apply when LTV is between 80 % and 78 % ). The Customer Service agent was again unable to provide any help at all, could not understand the issue and proposed that we write again to the Escrow Dept, who would respond within a month. 
Ditech is clearly not complying with the Federal Law regarding the process for cancellation or termination of PMI, and through either incompetence or dishonesty are illegally continuing to charge PMI when they should have automatically terminated these charges. Given the high number of similar complaints already made to the CFPB about Ditech, this would appear to be a systematic issue rather than a one off, and therefore we consider merits a Federal audit or investigation to protect the rights of all Ditech customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation