BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-14
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was transferred to Roundpoint Mortgage Servicing soon after issuance of the mortgage on XXXX/XXXX/16. Since that time, we 've run into many issues with Roundpoint including related to getting our address changed ( refusal to recognize the correct address ( same as our mortgage property ) ), threatening to force place homeowner 's insurance on the property despite having provided documentation numerous times supporting adequate insurance coverage, and now the realization that they have force-placed flood insurance on our property despite providing proof of insurance on the property which is provided to the entire building through our condominium association. Proof of this insurance was required to obtain our mortgage in the first place. I would have never known that Round Point had done this except for browsing through detailed escrow withdrawal explanations online -- and they withdrew {$1800.00} from my escrow account without any notification, and despite the fact that they have proof of adequate flood coverage through my condominium association, which we pay monthly as part of our dues.

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 2015-03-19
Company: TCF NATIONAL BANK
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2015-12-18
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
In hearing that Lexington Law would help clean up my credit report, I obtained their services. In XXXX of 2015 till XXXX of 2015, paying {$99.00} a month fro service. 
Each month at the beginning I would receive a tex an email stating that No new information was sought. However right after XXXX Law retieveing the payment, I would get a XXXX an email stating that documents were removed from my XXXX credit report. From XXXX till XXXX I kept believing thinking that they were truly clearing my credit up. 
Well on XXXX XXXX, I went to apply for an apartment as my family and I are homeless, when they ran my credit, I still had the same score that I had when XXXX Law started my case in XXXX. Making sure that they were paid to help, has truly left me speechless. Please if there is any way that XXXX Law can contacted and repremended for all the monies that they are stealing and not providing the service that they say they will. 
This was not fair to me, and its not fair that they stole my money and did not help. Please make sure they are listed as Fuad and scam artist, so no other people will suffer like me. Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Arbor Residential Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we purchased a manufactured home in XXXX and obtained fha financing. To date-Tax records do not show our property as real property- they only have it listed for XXXX for the land value. We have tried since XXXX to get the original mortgage company ( XXXX ) to correct documents and file with the tax office. Until this is completed we are not able to file for homestead or over XXXX exemption. We also applied for a loss mitigation and were denied due to unresolved liens shown on the title search. all of the liens showing were for similar names and not ours but they were unable to correct the deeds and used that as excuse for denying the loan. They were already in the process of trying to foreclose but were not able due to title issue. in XXXX XXXX, we were sued by XXXX XXXX, Tx for unpaid taxes on the manufacutured home which was still listed in the previous owners name. We could not get XXXX to pay the taxes until we contacted HUD. they in turn contacted XXXX and told them they needed to pay the taxes. In order not to lose our home we had to file chapter XXXX bk and started making payments again. Once our loan was sold to Loan Care- our payments were increased from XXXX to XXXX due to the escrow shortgage, We were not able to pay the increased amount. Once loan was sold to Seneca, Our payment were then again dropped back to XXXX, But they would not allow us to make payment unless we paid the full arreage. They will also not speak with us since we have filed Chapter XXXX and state they can only talk to Trustee for BK- So here we are 5 years later without a home listed in the tax records. I have attached copies of all tax records, letters, petition for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: TCF NATIONAL BANK
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am being harassed consistently by this company. I work as a XXXX 84 hours a week for XXXX of Massachusetts and my client needs XXXX. This means I need my sleep and the call at all hours of the night and her ASPI. They have also recently contacted my employer 's mother and used public records of an incident years ago to negatively impact her judgment on my character. I am feeling unsafe as they have showed up at my house and I am upset. I have all sorts of documentation and even screenshots and texts

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have Five Fruad Accounts on my credit report and Two inquiries. 
1. XXXX XXXX XXXX {$1000.00} 2. XXXX  XXXX XXXX {$210.00} 3. XXXX XXXX XXXX {$760.00} 4. XXXX XXXX XXXX XXXX {$750.00} 5. XXXX XXXX XXXX XXXX {$2400.00} Inquiries 1. XXXX 2. XXXX XXXX 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 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2015-07-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage is stating that I am delinquent on my mortgage and seeking to foreclose. I have sent Chase copies of cancelled checks showing that I have made all payments 'in full ' and 'on time. ' As of today, I was notified via phone that my home has a foreclosure date of XX/XX/XXXX. A review and audit of my loan payments is still pending ( on going since XX/XX/XXXX XXXX, however, I am in active foreclosure. I have received no documentation stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had been sending weekly payments to the mortgage company which basically were one quarter of the monthly payment. The mortgage company accepted these for many months, reconciling at the end of each month and applying the funds to the mortgage. This last month they started to send the checks back and requesting a full payment. I would deposit the check and then re-schedule the payment again. After receiving all these payments and returning them, they sent a past due notice with finance charges. Today I receive a notice that they will take action to collect a debt. All the while receiving and returning my funds. 1. They are violating the law regarding no penalty for prepayment, since my weekly payments added up to an amount greater then my monthly payment and 2 ) I am being singled out by someone internally who wants to make a point. Actions to collect funds should be sent to those who default, not a citizen who has been making payments that were previusly accepted to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-08-24
Company: TFC Credit Corporation of California
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX - XXXX of XXXX When I signed up I was told tuition was XXXX. Financial aid would cover not cover all of the tuition and leave XXXX. 
I was offered a private loan for the amount XXXX and was asked to pay XXXX on XX/XX/XXXX for the down payment, leaving a total of XXXX Total Balance due was XXXX for total tuition cost XX/XX/XXXX - XXXX payment ( Cash ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) Extra Charges XX/XX/XXXX SCH Charge XXXX payment ( credit card ) XX/XX/XXXX XXXX Charge XXXX payment ( credit card ) totaling XXXX Amount remaining XXXX would be the remaining balance that does not include the XXXX above charges that were not talked about in the total cost but added after the contract was signed so the actual balance should be XXXX because those additional XXXX charges were not included in the cost. I paid a total of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX After I graduated I had some financial issues and fell behind. In XXXX of XXXX I was contacted by XXXX ( XXXX XXXX XXXX. XXXX ) They informed me that I could make payments for my debt owed to XXXX XXXX XXXX XXXX XXXX / XXXX I believe that XXXX XXXX XXXX XXXX hired another company to collect the debt that was actually owed to TFC. 
I arranged with XXXX to make bi-weekly payments of XXXX until the balance was paid. I did not miss one payment. It has been paid since XXXX of XXXX. I have a letter for proof. I can also provide bank drafts for the XXXX payments made. 
My credit report is still showing that I owe money to XXXX, it show that it is closed and has an outstanding balance of {$2000.00}, still showing past due as of XX/XX/XXXX this is for the money owed to XXXX XXXX XXXX XXXX XXXX. 
I contacted both TFC and XXXX they do not work together. I was denied a car loan due to the out standing amount. It has caused issues for a few years now. I am not sure how to handle this it is costing me money and I am unable to do anything. I have contacted the credit bureaus and they can not help me even with the letter that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I am former XXXX student, I was informed by XXXX XXXX that most of my loans were discharged. However I discovered there was one loan that was a private loan, I was unaware that I had a private loan. The loan is managed through Navient and I was informed that CFPB had filed suit against Navient to remove any private loans from XXXX students. As I stated previously I was unaware that I had any private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXXXXXXXX/XX/XXXXPayPal CreditXXXX XXXX XXXX, XXXX XXXX : My " Account # XXXXPROBLEM : XXXX : " US Regulator orders PayPal to pay XXXX in refunds, fines '' AN OBSERVATION : This is precisely why The Consumer Financial Protection Bureau ( CFPB ) was so desperately needed in the first place. 

ACTION REQUIRED : 1. Close Account Immediately ( never wanted ). 
2. Repair Credit Rate with XXXX, et. al. 
3. Go forth and sin no more. 

SUMMARY : Now I get it -- an " account '' I never wanted, but suddenly found myself in a XXXX computer-driven billing system that seemingly could not be stopped -- or even clarified. 

The original charge of {$38.00} ( paid by check # XXXX of XX/XX/2015 ) along with a request to cancel -- unacknowledged -- should have ended this farce. No, not a farce, an out and out scam. Predatory plain and simple. 

Be ashamed. You have brought dis '' credit '' and scandal to PayPal and true-credit to the CFPB. 

Rectify and indemnify immediately. 


XXXX XXXX XXXX XXXX : CFPB XXXX Consumer Protection Bureau XXXXState Consumer Protection Bureau XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After running into some steep medical bills we fell behind on the mortgage payments. Wells fargo offered to rewrite the loan at a higher risk interest rate ( 9.5 % ) and roll the over due payments into the revised loan. They also told us that after 3 years of on time payments the rate would be reduced ( 6 % ) and we would be returned to the regular risk pool. It has been 4 years now since we have had a payment more than 10 days overdue and because the high risk department was collapsed into the general bank during the mortgage crisis, no one will even discuss that provision with us. Every phone call is redirected until it is cut off or gets to a message machine that is ignored, with no return. At the same time there is a {$300.00} balance in an unassigned funds category on my statement. which when asked about I am told they have n't been paid yet. The fact is that I usually overpay some and they are just holding that overpayment instead of paying the principle down.

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 2023-01-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was in the process of applying for a credit card through XXXX for a XXXX XXXX XXXX. I keep a freeze on my credit report until access is needed. To this end, on XX/XX/XXXX, I attempted to temporarily lift the freeze at XXXX, XXXX and Equifax. I successfully lifted the XXXX and XXXX freezes with no problem. However, I was not able to lift the Equifax freeze & the website prompted me to call XXXX. When I called, I was told it was a problem with the information given, I was asked to respond to a text to send my driver 's license. My information was allegedly updated and I was told to try again, later. I tried numerous times and called the aforementioned number several times. Each time I spoke to a different person and none of them seemed to have the notes from the previous calls. I spent nearly over XXXX hours on the phone and was never told when the problem would be corrected. I was given different complaint numbers and received no phone up calls or email acknowledgement of the calls and complaint. I tried once again to unfreeze my account XX/XX/XXXX and was still unable to lift the freeze and given the same phone number. I established an XX/XX/XXXXand need a credit card forXX/XX/XXXX This has been a barrier. I did receive XXXX different confirmation / case number during my calls : Confirmation # XXXX/ and a case number XXXX from XXXX who said the previous number was an old number. I also spoke to someone named XXXX he gave me his badge numberXX/XX/XXXX ; XXXX XXXX. XXXX. 

I really need to get this sorted out and your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: OH
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 account was opened fraudulently without my knowledge and I would like this fraudulent information removed. Account was opened XX/XX/2022 and closed on XX/XX/XXXX, XXXX Credit limit approved for {$700.00} and {$550.00} was used of this approved limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: KEYCORP
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX and XXXX have reported they verified by KEYBANK full account details. 

I am requesting full disclosure of dates and information shared with these companies

Company response to consumer: Closed with explanation