BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-10
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I originally signed my mortgage agreement ( a 30 year fixed rate FHA loan XXXX, I was given an estimated monthly payment of {$1400.00}. Of this amount, about {$820.00} was principal and interest and the rest was escrow XXXX property taxes, insurance, mortgage insurance, etc. ). Both my mortgage agent and the mortgage originator were aware that my property taxes would be adjusted based on the selling price and I was told that the {$1400.00} was an accurate estimate based on all available information at the time of closing. As it turns out, this estimate was very far from being accurate. 

After being in the house for approximately 1 year, I was told that my monthly payment would be going up by {$30.00} per month. I was not happy about this, however, I understand that it is not always possible to accurately estimate expenses so I paid it without complaint. Then about 1 1/2 years after closing ( which was about a month ago ) I received a letter saying my monthly payment would be going from {$1400.00} to {$1700.00} per month, primarily due to higher property taxes. 

This was upsetting for several reasons. First, I can not afford to pay an extra {$240.00} per month for home. Secondly, the property taxes due for 2015 were based on the selling price of my house XXXX not a higher value ) and this was known when my original escrow was calculated. Third, when I called my mortgage service noone ( not even the " operations manager who I waited on hold for 30 minutes to talk to ) could explain how this outrageously higher escrow amount was calculated. All he could say is " Well, it looks like your property taxes went up. '' When I explained that my mortgage company knew they would go up and by how much when my original monthly payment was given to me he had nothing to say. 

To me, this seem like a classic " bait and switch '' tactic by the mortgage agent, the mortgage originator or both. I say this because all of the information needed to give me an accurate estimate of my monthly payment was available when I closed on my home. Instead of providing accurate information, they ( apparently ) estimated my escrow based on property taxes that they knew were lower then those that I would have to pay. I am shocked and want to know if this is legal and XXXX if so ) how it could be so. After all, all other types of installment payments ( that I am aware of ) require an accurate disclosure to the consumer of their monthly payment obligation. After all, if this is not provided how can the consumer determine if the home is affordable or not when they make a 30 year debt obligation. 

Thank you for your time and I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, shown as XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX  Financial, shown as XXXX # XXXX XXXX XXXX XXXX XXXX as XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, And 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 604 A Section 2 : Also states a consumer reporting agency can not furnish a 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 2015-04-15
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband is in the United States XXXX XXXX XXXX and with the budget issues last XXXX, his pay was frozen and we became behind in our mortgage payments. We called to try to work something out and we were told that we needed to pay, and that we should just borrow the money from someone. Finally some money from the XXXX XXXX started to come in ( we were 2.5 months XXXX at this time ). We called to make a payment and they stated that we needed to make XXXX payments ( which was a completely different story from when I had called a week earlier ) and they would not accept just XXXX payment. Luckily, we were able to borrow some money from a family member and made the 2 month payments. Once we made this payment, they sent us a letter saying that they would no longer accept payments from our bank, that we needed to send in a money order, cashier 's check or pay by XXXX XXXX. Both of us work full time ( XXXX - XXXX ) so getting to a bank during normal business hours is near impossible. So far I have sent XXXX payments via XXXX XXXX ( costing us a fee, of course ) and that was a painful process ( they can never find the correct business to send it to ). Today, I tried to make a payment and they could not find the business to send it to, we also had a friend who wanted to call and make a payment on our behalf and would not allow her to pay over the phone. This company is making it VERY difficult to make a payment, it is almost like they want us to default on our loan so they can take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a credit card that I did not apply for from Discover. When I contacted the company my experience was very suspicious. When I Gave the woman my SS number on the phone there was complete silence for several seconds when I asked are you still there? She acted surprised and asked me again for my SS number. I gave it again and she asked another time for it as if it did n't match her records. After several minutes of conversation and verifying my info she asked a fifth time for my SS number. At that point I got terse with her and said " You have asked for my SS number 5 times, what is going on here? '' I then asked her for my SS number and she gave it to me. I then asked for all information she had on me. This included a fictitious email address and a long past phone number of mine. When I checked my credit the following day I had no indication of identity theft and not even an inquiry into my credit from Discover. I do n't know what is going on here but It seems that Discover may have purposely issued this card as an aggressive and illegal sales effort or perhaps issued it wrongly without verifying my information. I believe this needs to be investigated by the U.S. authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Receivable Asset Management
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Kramer and Associates is the debt collection agency that has been contacting me about money owed. I was making payments on time every other Friday until they tried to withdraw funds too early and it was denied. From that moment, it has been hard to get back on track with the payments. Kramer and Associates called my job and I was pulled out of a meeting to answer the call. I still do n't know how they got my work number. Today, a roommate from 8 years ago contacted me saying someone from Kramer and Associates called them looking for me. Whoever it was left her a voicemail and an extension : ( XXXX ) XXXX - XXXX ext. XXXX. I had every intention of paying off the remaining balance but this is too much. It is very embarrassing to contacted by an old college roommate from 8 years ago concerning a debt collector. This has gone too far!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
This is a follow up to complain case # XXXX. 

PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. 

I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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 was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXXXXXX University Closed : 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 2015-09-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
experian has energy bill on my credit report that doesnt belong to me that is paid with a late payment it is being reported as in a bankruptcy that i do not have it is just all incorrect it has stopped me from getting credit because it is reporting being settled in a bankruptcy and late. Also The bureaus are reporting my student loans as being paid late and i have never paid them late i have asked to be forwarded the proof of these late payments and have not received it. i have not paid these loans late. The bureaus have merged incorrect items on my files on XXXX other occasions and it has taken over XXXX years and i have still not gotten all of the items fixed yet i would like for them to take the energy bill off of my credit it is not mine, i have never had a bankruptcy or an energy bill in my name and remove either the closed student loans or update the late payments to the correct status. i know they can not send proof of these payments being late because i have never paid them late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau would not properly investigate the public records that are not mine according to the State of South Carolina Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is currently reporting a Ch XXXX Bankruptcy on my personal credit report. However, the name and address associated with the bankruptcy does not match either of mine. I have requested they remove the item but they have not yet despite my continued disputing of the item. 

The associated line item has an acct # of XXXX on 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 2017-03-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the 3 components under the FCRA and XXXX is in essence breaking the law and I am requesting that they either show me all 3 pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX on XX/XX/XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX on XX/XX/XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me and I do not have sprint service*** 5. XXXX Date of inquiry was XX/XX/XXXX **I called and they find no evidence to support permissible purpose on this date listed**** 6 XXXX On XX/XX/XXXX ***I called them and no permissible purpose was found*** 7. XXXX on XX/XX/XXXX and also on XX/XX/XXXX ***Called them and no permissible purpose was found and no auto loan was granted*** 8. XXXX on XX/XX/XXXX ***Called them and no permissible purpose was found*** 9. XXXX on XX/XX/XXXX ***Called them and No permissible purpose was found*** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others. If they want to keep these inquiries on my credit report and state that they have to because of factual truth then support your position and send me the 3 pieces of proof listed above. If not you are intentionally trying to hurt my credit worthiness and this must stop immediately.

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 2015-05-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief