BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 our mortgage lender Freedom Mortgage issued the annual Escrow Account Disclosure Statement. In the statement they calculated that we had a surplus of {$1700.00}. Under RESPA, they have 30 days from the date of the statement to refund any amount over {$50.00}. As of XX/XX/2020, they have not refunded said amount. Called Freedom today, XX/XX/2020, and was informed the refund would not be processed until XX/XX/2020. In my call I stated that federal statute states that refunds must be made within 30 days, and their claim was they were behind due to the virus. A virus is no excuse to violate federal statute. Yes, the surplus will be paid, but it is still late, so I would like it on the record that they violated RESPA.

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 2017-10-06
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
inXX/XX/XXXX2017 i paid in full a credit card debt that was in collection. i was sent a paid in full document dated XX/XX/2017. on XX/XX/XXXX2017 the company XXXX funding placed my paid in full account into a derogatory status as though i had never paid it. this dropped my credit rating by XXXX points and is against federal law related to paying collections in full. i was told my credit report would be updated within 10 days to a positive because i paid in full. instead they updated it negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The accounts are not mine but it been more then 30days and no 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 2019-12-01
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation of this debt. Including but not limited to the original agreement baring my signature, or any proof proving I owe this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On    XXXX   XXXX   XXXX  ,  I spoke to  2 differ ent representatives about my accounts regarding late payments. I was informed that on these dates my loans were covered by forbearance. However, I was told that even though the dates were covered by forbearance, the company would not remove the late paymemts noted on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: LoanCare, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are 2 mortgage accounts that have appeared on my credit report that were included in bankruptcy and should never have appeared. This has caused significant problems with my credit scoring as the other accounts included in the bankruptcy in XX/XX/2013 are about to drop from my credit file. 

XXXX XXXX XXXX , XXXX has 2 accounts listed that need to be deleted

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED 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 2020-03-27
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
- On XX/XX/XXXX I sent a message via secure message on my home banking with Chase Bank asking how was the process to close my account. I never asked to effectively close my account, I just wanted to know how the process was because I was evaluating changing to another bank. I have all the messages in my Chase Inbox and screenshots of it just in case ( they're in XXXX ). 

- On XX/XX/XXXX I tried to access my account va online banking and there was no account and funds. I just found that a Chase 's employee answered my message saying that my account was closed and they have sent a check with my funds to my address ( they never said wich address exactly ). They also cancel all possible transactions and my debit card. 

- I contacted inmediately via secure inbox again and asked why they did this and said that it was a mistake. I asked for my money saying that I really need it and that I never asked to effectively close my account. I also sent them a screenshot where it can be read that I was just asking about the process and never gave CONSENT on closing my bank account or any Chase product. 

- On XX/XX/XXXX they answered again just saying that they were sorry for the mistake and that they sent a check for the amount on my account to my address ( again, they didn't said exactly to WICH address ). They also told me that like I live in XXXX, the check could arrive in 4 WEEKS. 

- I answered once again inmediatly said that was a mistake because on first place I never asked or gave consent on closing my account, I live in XXXX where there are no Chase branch so I won't even be able to turn the check into cash and btw, we're on quaratine due to COVID-19. I  asked repeteadly to give me a real solution, I offer them to transfer the money to another account or even to activate my account again with my money so I could transfer it to another bank account. 

- On XX/XX/XXXX they answered once again saying a check was delivered, that It will take 4 weeks to arrive, etc. They never gave me a real solution even they recognize it was THEIR MISTAKE to close my account. Now I don't have my money, I don't know where they sent a check, and IF the check arrives, I won't be able to turn it into cash because there is no Chase branch where I live and there is a cuarantine due to COVID-19. I replied once more explaining all the situation and that was all. I also tried to contact Chase via XXXX  ( you can see all my angry messages here : https : XXXX ) and their XXXX page but there was no answer at all. 

Please, I just want my money back so I can transfer it to my other bank account. I can give chase my other 's bank XXXX/XXXX but I REALLY NEED THE MONEY and can't wait 4 weeks for a check that I won't be able to use just because a Chase 's employee made a mistake. 

Thank you in advance for helping me to solve this as soon as possible. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: HW Holding, Inc
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield calls me at XXXX several times a day every day from XXXX. They ask for me then transfer me to someone who threatens me about delinquent debt. They refuse to stop calling me. They refuse to provide proof of debt. Instead they just keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
After my mother passed away, I was executor of the estate, my mothers home mortgage was paid in full but unknown to me there was a HELOC and I could not find the account information anywhere. When I called CHASE BANK they said their was still a mortgage, and that they had to do a title search, in the mean time they would not talk to me because I did not know the account # and/or the original line of credit. I called the columbus branch and they went into the account and could not find any of the information. The loan originated from Bank One, then to CHASE and they could not find the paperwork. While they were doing a title search they put the house into foreclosure for around {$1500.00} they served me the papers and when I called they would not talk to me because my name was not on the account - yet they had my name on the papers that was served to me. I made a formal complaint to the XXXX office, faxed all the information five different times, and there was no response and {$16000.00} later in legal fees for the foreclosure they are doing the same again. I feel this is entrapment, and an illegal processes that CHASE Bank takes advantage of for people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: TX
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, XXXX bought mortgage from XXXX in XX/XX/XXXX, and info did not make clear my loan number already belonged to someone they already had. Payments were processed to my account correctly through XX/XX/XXXX, and then they did not show payments. They reported me as making late payments erroneously to Equifax. On XXXX XXXX XXXX showed my score with them as XXXX, on XX/XX/XXXX it lowered 4 points because I had a balance of less than {$250.00} on my {$8000.00} limit. Thought that was bad until it dropped 161 points to XXXX on XXXX because of one company 's incorrect info. 

I do not think that big a drop should be allowed based on one company, and, now that it is corrected and shows they know I have no late payments, I think it should be back in the 800s where we were before. I tried to submit a dispute with them, but it did not seem to take ... and then had someone call to survey my complaint with them. He gave me their phone number to dispute when told him my survey was negative since I did not even know it had gone through, but I found no option to dispute without going to their website, which said there was an error and to try again later. I stopped trying after several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Avant Credit Corporation
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:
I received notification on  XXXX / XXXX / XXXX  from  XXXX  Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on  XXXX / XXXX / XXXX . I also contacted the (  XXXX   )  credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of  XXXX   XXXX   XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on  XXXX / XXXX / XXXX  and requested again that they close the account and notify the credit bureaus. I received an email from Avant on  XXXX / XXXX / XXXX  confirming receipt of all documents and stating they would contact  XXXX . I responded on  XXXX / XXXX / XXXX  alerting them to the fact that the delinquent account was shown on my   XXXX   XXXX   XXXX   reports as well and that I expected them to remedy the situation w/ all  XXXX  credit bureaus. I ran my   XXXX   credit report today (  XXXX / XXXX / XXXX  ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify   XXXX   as I requested on  XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX XXXX and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.

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 2020-03-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by the 3 credit bureaus of a collection account that was placed on my credit report by LVNV Funding. Apparently they bought this account from XXXX XXXX XXXX that was already paid for back in XXXX. Also per Michigan law you have to have a license to collect any form of debt. They do not have one at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: MOHELA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have tried to get this resolved but it has caused delays so that I think my original complaint has not been answered. I want to know where the figures that XXXX is trying to ruin my credit came from. They only sent me a list of charges sent them, no explanation where they came from. 
I received the amounts submitted to XXXX. But did not receive the paperwork that told me what each charge was from. How did they get these numbers that was sent to them. They also sent me a closed school form. I filled it out and got a response of no turned down. I am questioning where these figures came from because they are strange and my classes were not this much. XXXX courses x XXXX & XXXX pell grant do not add up to this. I want to know where these figures came from? Not just the amounts given to them which are wrong. The amounts and dates are not right. 

I gave them all of my paperwork for XXXX for XXXX form I got turned down, because there was n't a review date and I did n't have a doctors note. I do n't have a review date because XXXX They need to get it broken down so I can see where these figures came from.The dates amounts do not make sense. 
XXXX XXXX closed, I never got my degree, Was told they were closed for stealing student money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items I have never heard of. These things on my report are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I cashed a TD Bank check at a TD Bank branch on XX/XX/2020 in XXXX, MA. The bank charged me a fee of {$10.00} to cash their own check because I do not have a TD Bank account. I know that there is no federal law to prevent this and I know that this is a common practice among the county 's large banks. It's an outrageous gouging of consumers and a law needs to be enacted to end this practice. I hope that the CFPB will bring attention to this issue if it is not doing so already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2019-12-01
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed our purchase with this company in XXXX, and since then, we have received a myriad of spam/nuisance emails from this company. I have used the 'unsubscribe ' feature 5 or more times, and each time the system says that I've been removed from their marketing database. However I continue to receive nuisance emails. I also opted out of marketing emails during my loan signing, however this company persists in sending their marketing messages.

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 2017-07-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Around XX/XX/XXXX my husband had to take a pay cut, we applied for assistance it was granted XXXX XXXX  but not made aware of the interest that would build up during the hardship. XX/XX/XXXX I being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was injured and have not been able to work since XX/XX/XXXX due to XXXX XXXX and now facing XXXX. XXXX XXXX was made aware. The amount showing we owe is unbelievable, we let them know about our extreme hardship only to be misinformed and ignored.

Company response to consumer: Closed with explanation