BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It may concern I have included the following a escrow Analysis statement dated XX/XX/2020. 
I currently have no shortage in escrow. 
This is what they project to happen in the year of 2020 They are demanding a XXXX payment. 
They are charging way more then the two month that is required. 

What Are Escrow Advances? 
Any time the lender has to pay for items such as taxes and insurance and there is not enough money in the escrow account ( or there is no escrow account yet ) that is an escrow advance. That advance amount becomes a recoverable item within the escrow account and the monthly payment will be adjusted to recover that over a period of time, usually one year, sometimes less depending on the amount. according to Round point mortgage i currently have no shortage in escrow. 
when i spoke to them on the phone on XXXX they said well when we pay your taxes in XX/XX/2020 we will be short. 

They don't know what the escrow is going to be if i will fight my taxes on my house because XXXX hasn't arrived yet But, my escrow payment is only recalculated once a year. That meant they are collecting in advance when the insurance payment might be lower and so might be the taxes and they haven't paid anything out on my house until XXXX according to Round point. 

The lowest amount held in escrow at any time of the year should equal two months ' escrow payment. That two month cushion is required to ensure that there are enough funds in escrow to cover potential increases in taxes or insurance premiums and is authorized by RESPA, the law governing escrow accounts.

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 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America- collector As of XX/XX/XXXX, Bank of America sent a payoff letter to XXXX XXXX XXXX in order for us to refinance our car loan. The title was transferred and the account was paid off. As of XX/XX/XXXX, Bank of America reported to XXXX that my account was closed. A couple weeks later, Bank of America sent me a check for an overpayment of around {$500.00}. A week or so later, they are claiming that they weren't overpaid but underpaid by {$500.00}. Now a few months later, they are reporting me to the credit bureaus saying that I am missing loan payments, when I have had a perfect repayment record. If my account was paid off and they sent me funds, I am not sure how they can charge me interest on a loan that was previously paid off. 

In XXXX, I attempted to call BofA to get more clarity on the situation. The automated service would only let me be transferred to a live person ONLY if I knew my full account #. On the letter they sent me, it only includes the last 4 of the account #. And because I didnt know the full account number, the system would hang up on me. After two more attempts I gave up. 

On XX/XX/XXXX, I was finally able to speak to someone on the phone who was not helpful and would only tell me I owed them money without giving me a full accounting of what happened and how I still owe them money. 

This is just corporate abuse. I would love someone to reach out to me and tell me how you can charge interest and fees on a loan that was paid in full.

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 2020-02-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately one year ago, I noticed that the automatic payments in my accounting software did not match the information on the Citizens One Home Loans monthly mortgage statement. I could not match their escrow amount with my escrow amount which is comprised of property taxes and property insurance. I began a process of attempting to determine the property tax and property insurance components of their escrow figure, but was unable to do so. I used their on line resources, but they do not provide the detail specifying the amount of property tax and property insurance for each statement. The consequence of this is that my goal of pay additional principal each month has been thwarted and now I am not where I wish to be with the outstanding balance. This is beside the point that I still have not received the monthly breakdown I have requested. 

My first request for this breakdown was on XX/XX/2019, and was made to my loan officer, who has been very good at responding and attempting to help. In fact, he is the only one at Citizens who has been responsive. 

Since that time, I still have not received this information. 

I have spoken to their office in XXXX XXXX, VA which I was referred to. All they did was provide the exact same information that I could ( and did ) download from the Internet. More recently, I was in contact with the Rhode Island Head Office in XXXX, RI. A XXXX XXXX, who works for XXXX XXXX XXXX, Chairman and Chief Executive Officer of Citizens Financial Group , Inc.. I asked her for the breakdown information, and she refused. I asked for her to send me a letter to that effect and I would forward it to the CFPB. She said I could expect the letter in up to ten days, once it was approved. I called twice after ten days and left messages asking for the status of the letter, and asking her to call me. She did not return either of my phone calls. I then sent an email to Citizens stating that I was taking this action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: NC
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:
Good Afternoon, XXXX has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XXXX XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXXXX XXXX  XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
My credit card is not applying the payments to my statement. I have made over the minimum payment required, yet i n  XX/XX/XXXX  and  XX/XX/XXXX  my statement balance is exactly the same amount. Capital One lowered my interest rate a bit, and I have not made any purchases. But, yet again my  XX/XX/XXXX  and  XX/XX/XXXX  balance are EXACTLY the same amount. This is not possible, I have been having issues with Capital One.  I called to complain about my minimum due and interest rate, after doing so, maybe a 3 days later all the sudden my credit card number was used by someone else? They issued a new card, now my payments do n't seem to being applied, my interest is questionable and the minimum due is very high compared to wh at Capital One ha s stated over the years and advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

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 2022-04-04
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We moved from our house back in XXXX due to foreclosure. i see the credit card used was going back i believe to XXXX i have had many cards issued that did not pertaining to me and were identity theft going back to XXXX. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I wrote to Equifax requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from Equifax or any acknowledgement that an Investigation has started. I've attached my proof along with the accounts.

Equifax is not complying with their own policies in a timely manner. Equifax did not comply with their policies to complete and investigate items within 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 WELLS FARGO IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS 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 2022-04-06
Company: Continental Finance Company, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit inquiry was done without my consent

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 2022-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an 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 2018-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Equifax to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter of verification to TransUnion asking how did they verify my bankruptcy, they stated through the court I contacted the court at the address that was provided to me by TransUnion. The court sent me back a letter stating that they do not provide information to credit reporting agencies. I in return sent a copy of the court letter back to TransUnion, letting them know that their original response with verifying the item with the court was either an error or a lie and requested that the item be deleted according to FCRA s611 ( 15.U.S.C S 1681l ) TransUnion sent me back a letter stating the item was already disputed and verified again through the court. They completely disregarded the my letter and the letter from the court. The item was not 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 2021-05-05
Company: Monterey Financial Services LLC
State: PA
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: Was not notified of investigation status or results

Complaint:
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is MONTEREY COL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!

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 2020-02-29
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Every month I set up to do payments manually and it still says I'm late on my payment. I set it up automatically and it never goes through. I have the payment confirmation emails to prove it. They literally are ruining my credit over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This statement pertains to what has been deemed Fraud in the Factum by default. Vance & Huffman, LLC/XXXX XXXX XXXX XXXX Account Number : XXXX, Address ID # XXXX received an affidavit via certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX in which Vance & Huffman has refused to rebut. I specifically requested a True Bill in Commerce for proof of an amount in which I allegedly owe.I have NEVER contracted services with Vance & Huffman specifically. I advised XXXX XXXX XXXX that extending of credit is not a loan as credit is not legal tender and thus nothing of value was ever exchanged. Vance & Huffman was also advised that unauthorized selling of any promissory note I may have signed under duress with the intent to profit from said asset without my knowledge is theft and Fraudulent Concealment. I also alluded to the fact that not all material facts were disclosed to me at the creation of the alleged original debt. As of the date of this filing, Vance & Huffman has not rebutted the initial affidavit and XXXX, XXXX and XXXX have also refused to acknowledge this Fraudulent account. I filed an identity theft report via the Federal Trade Commission FTC report Number : XXXX on XX/XX/XXXX and no response has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to dispute a billing error in the amount of {$1600.00} on my account. Your company claims that payments that were due for the months of  XX/XX/XXXX and  XX/XX/XXXX  were unpaid. Collection fees were then added, which resulted in this disputed total. The amount is inaccurate because payments were, in fact, made for both of the aforementioned billing cycles.  <P/> This is a store credit card for Guitar Center. The account was owned by  XXXX   XXXX , from the time we opened the account on  XX/XX/XXXX  until it was transferred over to Synchrony in  XX/XX/XXXX . Payments were consistently made on time every month, even after Synchrony took over the account.  <P/> In  XX/XX/XXXX , I was contacted by Synchrony and told that my payment had not been received. After looking at my bank statement, I confirmed that the payment was received and taken out of my bank account for the same credit card account number that had been drafting my payments, even after  Synchrony had taken over the account. When I told a supervisor at Synchrony that I had proof of   payment, he told me to just pay it again, along with the late fees to make my account current. When I declined, I was told to check back the following week to see if they found the payment.  <P/> I called the following week, and a supervisor told me to fax proof of payment. I faxed proof on  XX/XX/XXXX . When I called to make sure it was received, I was told it was not. I called again the following month, and was told to fax it again, this time to  XXXX  different numbers. I faxed those on  XX/XX/XXXX , and was told once again that no one received my faxes. Frustrated with the fees that were accumulating and my fear that my payments would never be received, I asked if I could settle and pay off the account. I was told that I could not do this until my account was turned over to Synchronys collections department in 30 days. When I contacted them in 30 days, the debt had been sold to an outside collection agency that will not allow me to settle the debt without paying these unjust fees, and this false delinquency has been added to 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 explanation
Consumer complaint received 2020-02-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally Bank erroneously processed a check that was supposed to go into my Ally Invest IRA. It was a 401 ( k ) rollover check. Now they've returned my funds to me and they're in my personal checking account ( at Ally Bank ), but it looks like I could be hit with taxes ( and maybe penalties ) even if I transfer the funds into my IRA. I'm trying to get them to help me -- I've laid out steps they can take to help me show the IRS what happened -- but they're just ignoring me. 



I'm attaching a letter I submitted to Ally Bank on XX/XX/XXXX that lays out all the details.

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