BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-12
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home in XX/XX/XXXX with XXXX. The collected taxes due - {$1800.00} - were to be paid from the closing proceeds. They also collected {$600.00} initial escrow for making my homeowners insurance payment which was due in XX/XX/XXXX. Before I could make my first payment, the loan was sold to LoanCare ( a XXXX company ). Everything seemed fine until sometime in XX/XX/2017, I received a notice that my homeowners policy has been cancelled due to no payment received. After a call to LoanCare, they made payment to restore my insurance. It was at that time, I noticed my escrow balance was in the negative by over {$1000.00}. I was unsuccessful getting any explanation from LoanCare, so I contacted XXXX to insure my initial escrow balance was transferred, which it was. I confirmed that with LoanCare later. It was at this time ( probably XX/XX/XXXX ), I was informed that LoanCare had paid my tax bill in XX/XX/XXXX. So I subsequently called the XXXX County Revenue Dept and they confirmed they had received two tax payments ( one in XX/XX/XXXX from the closing proceeds and another XXXX in XX/XX/XXXX from LoanCare ). They further informed me the duplicate payment had been returned to LoanCare on XX/XX/2017. I called LoanCare again ( this was about two weeks ago after I received my statement still showing a negative XXXX escrow balance ). The " customer service '' rep informed me their escrow payments are processed by a 3rd party who could not be contacted but that it takes 30-60 days to process returned payments. They could n't provide a contact at the 3rd party nor could they confirm they had even received the returned payment. Their website does n't provide escrow balance information so I can not confirm if it has been processed yet ( 60+ days later ). I also emailed their customer service department to request this be resolved and with the additional request that I take control of making these payments since they are so inept. 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 2021-05-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: American Financial Resources, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have spend the last 6 months under contract on a house. I was pre-approved for financing on my purchase. We had a clear inspection, appraisal, structural engineering report, everything was supposed to be good to go. Finally at the end of the line we were supposed to close, until my lender notified me that the underwriter would not accept the appraisal. The underwriter stated that there were not enough comps to support the loan. After talking to the appraiser, they believed the appraisal was good and needed no changes. Now I 'm stuck not being able to close on a house I 've been on contract on for 6 months, after spending thousands of dollars on the inspection and appraisal and various other fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
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:
Over the XXXX XXXX and reports of XXXX XXXX my those accounts are still active and showing false information which are already closed and never defaulted by me but showing payment in standing but the accounts are closed by the lender and also got the XXXX from the lenders when ever I tries to dispute the account through XXXX and XXXX they demand from me to subscribe the paid services for resolution and ruining my XXXX intentionally for making money and making me a defaulter in from of other lenders. I want a strict action against them.

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 2021-05-23
Company: Colony Brands, Inc.
State: SD
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 XXXX XXXX account shows {$130.00} being owed and its only {$100.00} therefore shouldn't be showing up on my credit report. 
I attempted to resolve this with XXXX XXXX but they refused to cooperate with me and any resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
ACS in XXXX NY has been handling my loans for a long time. They currently will not take my phone calls, and their head manager will not return my calls. They refuse to cooperate or speak to me, take my payment over the phone, or assist me in any way. My deferrment period has run out, due to the misinformation, lies, or lack of knowledge of their call center staff. Its like they have hired it out to some foriegn country and/or individuals who are untrained, unaware, or under pressure to terminate loans. I am confident it is their fault that I am in this position. For years I have been asking them on numerous occassions for information about a low payment loan to repay my loans or a govt loan to repay them. I am always told that no such loan exists, they have no idea what Im talking about, and know of nowhere to refer me. As it turns out, the loan I was referring to is called an IBR, which is supposed to be offerred by their services, which I couldnt figure out, and asked for their help. I received it by chance, several years ago by one staff member who was really helpful, but I didnt understand it or where it came from, and was given no explanation or renewal process to keep it going. Of course I would have preferred to have this loan paying down my loan amount! However, I didnt know it was available, and the call center staff declared no knowledge of any such thing. Consequently, I only knew to defer my loan, which seemed the only relief, since I do not have the funds to make the huge payments. Finally the supervising manager helped me to apply for the IBR, when I appealed to her, but I was assessed a full payment of over XXXX XXXX dollars -- in the meantime, which I can not afford. I have been approved for the IBR now, which I finally understand and am thankful for, which is at low reasonable payments, but they are assessing me in default because I can not make that one huge payment that they leveled on me between the time I applied -- to when it was approved, which was several weeks. Its not fair : what has been done to me or the way I am being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to M & T Bank. Because I was in bankruptcy, to protect my home from illegal foreclosure from XXXX, it was sold as a bad debt, therefore XXXX XXXX XXXX serviced the loan for M & T. I only had 4yrs left on the mortgage. My Chpt XXXX bankruptcy was dismissed in XX/XX/XXXX. 

They are absolutely horrible. The mortgage payments that I have paid since XXXX have been wiped from my account. They were never applied to my loan/account therefore M & T thinks I haven't made a payment in 4 years. Therefore they are starting foreclosure proceedings. 

I have spoke to M & T bank but they don't have my file and can't see any history on me and said that I have to deal with XXXX. I opened an investigation on XX/XX/XXXX with XXXX 's escalation dept and provided them and their attorney proof of payments since XXXX. XXXX XXXX the escalations supervisor assigned my file to XXXX XXXX but left the company within 24hrs of being assigned my case. 

It has now been transferred to XXXX XXXX, who said, yes I have your file but haven't gotten around to reviewing it yet. So you will have to wait until I look at it. Apparently XXXX has given him until XX/XX/XXXX to complete his investigation. 

However, M & T isn't being updated on any of this and they are coming after me. What concerns me is that they returned my XXXX payment back to me because it's in foreclosure and they won't accept anymore payments until this is resolved which will force the loan to go further in arrears. XXXX XXXX is the attorney for XXXX. 

I have never received a mortgage statement from M & T nor XXXX so I would know where I stand with my mortgage. I believe the mortgage has been paid off by now but who knows. Also my XXXX statements for 4 years have never shown payments nor reduction of principal. My accountant has had to file for a transcript to explain it and I have been battling with them since the start to get a handle of this loan. 

XXXX XXXX said - it looks like it has been wiped out of your account. 

If you look on the Consumer Affairs website - there are over 200 complaints on each party. I have already spent 10 years recovering from the illegal practices of XXXX XXXX XXXX and now am going through it again with M & T bank & XXXX. 

These practices need to end. I'm at risk to lose my home ... ... .again. 

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 non-monetary relief
Consumer complaint received 2016-10-21
Company: American Financial Resources, Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Lender set an original closing date on my loan for XXXX XXXX, 2016 but had not collected enough information needed to close so we were not able to close. I am now going into the fourth month with no set closing date and lender is asking for a lot of same information already provided. Does not respond when ask what is needed to close. I feel that I am being put in line behind other buyers for whatever reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
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: Investigation took more than 30 days

Complaint:
XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.

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 2016-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On credit reports, I have found out all XXXX collections happened in the middle of staying in XXXX on the time frame XX/XX/XXXX-XX/XX/XXXX, which in no ways and in no reasons I subscribed these utilities. 
XXXX collections were as follows : *XXXX in XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$240.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... {$320.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$2000.00} I have disputed this problem on XXXX credit report on the ground of alibi with some initial partial result ( Case No-XXXX ). Now comes I would like to dispute the same problems on other XXXX credit reports, Equifax and XXXX. 
I had been XXXX from XXXX XXXX to XXXX XXXX. Upon the departure on XXXX XXXX, XXXX, I deliberately left my house vacant without any authorized occupant at XXXX. By XX/XX/XXXX I was informed that the house had been broken in at least 10-20 times. The valuable properties in the house and the XXXX XXXX XXXX in the garage were stolen. They might include the check books of XXXX banks ; ID and several credit cards ; computers and personal, investment and legal documents, and others. The loss of properties in the house was settled with XXXX by year XXXX. And the loss of vehicle is still dragged on with XXXX.Because the house in XXXX has been extensively damaged without utilities and therefore, uninhabitable ; I had to settle in a house of friend upon the XXXX on XXXX XXXX, XXXX at XXXX. 
Please help me to resolve the problem during the hardship. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Santander Consumer USA Holdings 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 was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The Initial creditor XXXX has lost paperwork and only produces half of the paper work we signed. Its sad because the other person in the lease agrees that he signed lease addendum to let me off the lease. The Management denied us the paperwork and only selected to use only the lease which we had signed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, I saw a fraudulent charge of {$360.00} to XXXX on my Chase checking account. I immediately called Chase and reported the fraud ( within 30 minutes of the charge appearing ) and Chase flagged the purchase, refunded my money and said they 'd investigate. On XXXX XXXX, I received an email from Chase stating that the charge was accurate -- I called Chase who said their investigators determined someone ordered a laptop online and appeared in person later ( after it was reported as fraud ) at a local area store to pick it up with an ID. I called XXXX who confirmed that someone did pick up a purchase under XXXX XXXX at the XXXX XXXX store with another person. They would not give me further details except to confirm that the email used in the purchase was not mine. I have since filed a police report with the XXXX XXXX Police Department regarding this incident of fraud and possible identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I want the CFPB to protect me 1. I DO NOT OWE Select Portfolio Servicing {$260000.00} 2. I did not owe the XXXX XXXX the money I paid them. 
3. I did not owe XXXX the {$53000.00} balance for which they foreclosed on my property 4. They had no right to foreclose on my property for a XXXX bank loan I paid off in a mortgage on my house. 
5. There was no XXXX loan they took MY money to pay off XXXX. Now I 've paid back my credit money with interest paid someone else that did n't give it to me and it was still in the mortgage on my house I paid again. 

I have paid {$540000.00} cash to my first mortgage I have paid XXXX separately to the second mortgage I paid an extra {$45000.00} to a VA loan no one gave me. ( I paid off my buyers loan ) I paid the balance AND {$130000.00} to the XXXX loan before they foreclosed I have paid at least double taxes and insurance on XXXX properties. XXXX of which I did not own. 
I have paid off XXXX thirty year loans in 15 years. 

Amount borrowed XX/XX/XXXX someone gave me {$47000.00} for my duplex XX/XX/XXXX someone loaned me {$210000.00} for my house XX/XX/XXXX someone loaned me {$38000.00} I have paid {$850000.00} in cash, a duplex and a {$270000.00} payoff statement for my {$270000.00} house. 

{$540000.00} to XXXX for {$430000.00} {$100000.00} {$840000.00} to XXXX XXXX XXXX for {$740000.00} {$85000.00} {$580000.00} to XXXX for XXXX XXXX {$69000.00} to XXXX XXXX for XXXX {$48000.00} XXXX total paid. To house XXXX principal XXXX due XXXX owed XXXX paid. 
They owe me {$130000.00} on the first {$45000.00} on the second ( XXXX ) Or XXXX {$180000.00} for my duplex And the {$270000.00} we do n't owe XXXX {$49000.00} field adjustment = XXXX escrow disbursed since XX/XX/XXXX Or XXXX for XXXX properties since XX/XX/XXXX. 
{$32000.00} field adjustment = duplex balance? 
Or XXXX x XXXX + XXXX paid to XXXX Regardless count {$150000.00} paid to house. 
And {$130000.00} to duplex + XXXX overpaid to XXXX {$300000.00} + XXXX not owed XXXX paid to house pays XXXX 15 year loan. 
{$250000.00} - XXXX escrow they owe me {$170000.00} XXXX? 
They owe me another {$130000.00} for my duplex Escrow on duplex? They owe me another {$27000.00} less XXXX escrow disbursed at XXXX {$310000.00} XXXX do n't owe {$580000.00} is how much somebody owes me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AMERICAN EXPRESS COMPANY
State: AK
Product: Credit card
Issue: Billing statement

Complaint:
My wife pays our bills via computer and yet credit card company 's refuse to mail paper statements so we can pay promptly. She tried the online systems and they do not work for her, hence paper statement is needed to prepare checks for mailing to assure payments are made. American Express refuses to provide United States representatives to discuss our financial matters and we do not have to use foreign personnel placing our right to financial privacy at risk as an Alaska resident. My wife spoke with XXXX, American Express Executive Customer Care, ( attached ) who reassurred statments were to be sent to our home address in XXXX AK. She received a notice on XX/XX/2017 noting payment was due on XX/XX/XXXX, and yet no statement since her conversation on XX/XX/2017 and still no statement. She can not log onto American express due to faulty programing that will not allow her to retain password and use her adaptive technology. I/we are tired of being charged late fees, having past due notices placed in XXXX, XXXX and XXXX because they refuse to send us statements. Can you assist with this matter. 
we do not dispute owing our accounts we dispute being charged late fees and maximum interest and having negative marks on our credit files because they refuse to mail statements. This will have to be discussed with my wife via email XXXX as I am away at work during normal business hours M-F. No more phone conversations only email will suffice or written documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX   XXXX   ( same as   XXXX   XXXX   XXXX   XXXX    ) r efuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   ).  I filed dispute with you for Equifax and  XXXX  last year.  XXXX  fixed it, but Equifax dispute ( #  XXXX  ) produced NO results  (    XXXX   XXXX     ). Since then I have to dispute this with Equifax every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  two  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation