BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX have refused to send me my overage escrow refund in the amount of XXXX. 
XXXX XXXX XXXX XXXX even sent me an email with false information where they alleged the refund was sent in XX/XX/XXXX with the escrow analysis letter. I received the letter but not the refund check. 

I have contacted XXXX XXXX XXXX over the phone just to be told it can take 7-10 business days for the check to arrived. They said it was sent XXXX XXXX which contradicts the original email I received stating it was sent on the escrow analysis in XX/XX/XXXX. 

I also have sent multiple emails by secure messages and XXXX XXXX XXXX have ignored all of them since XXXX XXXX. 

I am requesting from CPFB to step in and have XXXX XXXX  XXXX pay me my refund escrow since I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and not required to pay property taxes in the state of FL. 

Please have XXXX XXXX XXXX XXXX overnight this check without any further excuses. 

XXXX XXXX XXXX XXXX have the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-10
Company: DISCOVER BANK
State: ID
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: FL
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 the morning of XX/XX/XXXX fraudulent transactions were made on my chase freedom card account. I called Chase to report the incident at XXXX EST, and spoke to a representative for 11 minutes. They closed the account, and issued me a new card. During this phone call I also received a text message from Chase fraud at XXXX stating 'a transaction for {$480.00} with my card was declined at XXXX XXXX was this you? ' I replied No. I let the representative on the call know they were still trying to use my card, and I just received a text message. At XXXX i received text messages from Chase stating my text alerts were being now sent to a different phone, and a notification of a password change to my mobile banking. I called Chase back at XXXX, and spoke to a rep who walked me through changing my username and password, and reset my alerts to be sent to my phone #. By XXXX there were more unauthorized charges to my account so I called Chase again, and was told by the representative that someone called around XXXX impersonating me and was able to get the card turned the card on. At this point I was on the call with the Chase representative for 44 minutes setting up a verbal code so in the future when calling they can verify it is me calling. By now there were 5 unauthorized transactions totaling {$1800.00}. Within the next 72 hours the charges were removed however I was re-billed for these charges on XX/XX/XXXX. From here I have been calling Chase Fraud department every morning trying to get this issue resolved. I have sent in all the documentation needed that proves my case, and have spoken to multiple supervisors. I have also been requesting to speak with a manager since XX/XX/XXXX, but have been told the manager has to call me. I informed them I can only accept calls before XXXX EST because of my work schedule, and no manager has yet to call me in that time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply.
On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance.
Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-07-23
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont know who these AFNI people are who just destroyed my credit by making the score drop by XXXX points for an account that was established that it is not mines. I DO NOT OR NEVER HAD A XXXX ACCOUNT. They keep selling this {$84.00} account that has been taken off my credit by XXXX  for not being able to prove that it was my account. XXXX does not even have my social security number when I inquired about the account. So why would you continue to. Try to destroy my credit and reputation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: EQUIFAX, INC.
State: AR
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:
I checked my credit report on XXXX XXXX and found a creditor on my report that I don't recognize and did not give authorization to. It was made on XX/XX/XXXX and showing up now and is on my credit report to XXXX. I did not do this nor did I give this financial company authorization to use my report. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Bank is reporting 3 accounts on my Experian credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts. 

I don't know what else to do. 

The accounts are : XXXX XXXX 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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.

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 2020-04-21
Company: EQUIFAX, 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:
Today I spoke with XXXX, a supervisor in Customer CARE regarding confirmation number XXXX filed on XXXXThe investigation is regarding an erroneous date of first delinquency. 
The problem I have is that Equifax possesses a preponderance of evidence in their hand proving this is the case so there is no need for a " creditor/customer weigh- in '' regarding this evidence.The same evidence they see or acknowledge Today was provided in CFPB COMPLAINTS XXXX,XXXX,XXXX. 
Today the date of first delinquency regarding an unpaid rental contract is over 7 years old, A SERIOUS FCRA violation.The proof I've supplied shows a summons date of XX/XX/13, proof of the collection process for rent.the judgment date of XX/XX/2013 is the wrongful date the creditor supplied stating some federal code that they have the right to keep a judgment on file for seven years ... YET, THIS IS CLASSIFIED AS A COLLECTION ACCOUNT.The beef is ... ..EQUIFAX, due to the proof on hand does not need the creditor to weigh-in or consult ... all that this does is create further damage, keeping a negative item on file well beyond the 7 year uniform policy pertaining to a statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Credit inquiries on your report that you don't recognize

Complaint:
My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX and XXXX XXXX I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX  XXXX inquiries are on my XXXX XXXX and 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 2022-01-25
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
As I was attempting to review my credit report. I noticed there was a account that shows as a charge off account that has been delinquent since XX/XX/2016, I was uncertain what this meant or what it was for. I proceeded to reach out to the company ( SEARS ) handling this account, after many hours of wait time I finally contacted the agency handling this account. However agency was unable to provide any information connecting me to this account, they could not discuss anything over the phone but did mention they can take a payment without verification as if this truly was my account. I asked for additional information mailed to be mailed out to me so I could know what this amount was for or if it even was mine! I have yet to receive any documents and this has been affecting my credit negatively for many years and I still can not receive a resolution on this matter.

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 2022-01-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Bank is reporting 3 accounts on my XXXX credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts. 

I don't know what else to do. 

The accounts are : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting 3 accounts on my XXXX credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts.

I don't know what else to do. 

The accounts are : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-07-24
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I left XXXX back in the end of XX/XX/XXXX of Last Year and informed them to close my Account. At the time of closing, I paid {$400.00} to end my contract with XXXX. XXXX took my information and never updated it to the new address. Thus, they -supposedly- sent out a final bill in mail format- though I have opted for all information to be electronic ( for obvious reasons ) - and with my mail forwarded NEVER received a bill. Fast forward to XX/XX/XXXX, it shows up on my Credit Report as closed in XX/XX/XXXX with an amount of approximately {$280.00}. I go into a store and they said they 'll notify the actual correct people to fix it. It never was fixed. Also, at this time, I filed a dispute with the appropriate credit reporting agencies. In XX/XX/XXXX, apparently, it was re-posted to my Credit Report- with a higher amount of over {$1000.00}. Again, I go to a XXXX store whom claimed I had to call their collections. I called the collections whom refused to have the debt removed claiming- I never paid the original amount. Also, on the same call, the collections agent is stating to me conflicting information- and stated I need to produce a Bank Statement for a bank account I closed for two amounts equating less than the amount they posted to my credit report- by about {$400.00}. Now, I 'm writing a written complaint to every agency explaining the situation. They never sent me a bill so I could internally dispute the information reasonably- before posting it to the various agencies. It is no longer reasonable in that I closed a bank account about a year ago to ask a bank to produce an electronic statement- for a date I can not remember- when I have hundreds of transactions a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Customer Financial Protection Bureau We are reaching out to you as our last resort in hopes that you can help us with an urgent matter in order to move forward with our plans. 
We have been trying to get our homes title clean since XX/XX/XXXX ). We have been calling every bank and every number that has been provided to us, only to get nowhere. No one seems to be able to provide us with any information. We are trying to refinance our property but the property has a lien that shows the second mortgage that was included in the XX/XX/XXXXmodification. No one seems to have this lien, but no one wants to clean the lien. 
We purchased our home back in XX/XX/XXXX with a 80/20 predatory loan with XXXX XXXX. Then XXXX transferred the loan to Ocwen bank were in XX/XX/XXXX we applied for a modification and were approved. After qualifying for the modification, they forgave the small loan which was part of the modification and we continued paying our home all these years without any problem. Ocwen bank transferred the loan to PHH Mortgage ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ) whom stated that they can provide a payoff letter only for the mortgage that they have, but they can not provide a payoff letter for the second mortgage. 
We are very frustrated because it seems like no one can help us. We even contacted MERS who told us to contact XXXX, but when we called XXXX, they transferred us to PHH  because they are the same mortgage company but we end up with the same answer. 


We are requesting your help to clean the lien on the title. We hope to hear from you soon and we want to thank you in advance for your time and assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had prepaid cash cards through Citi bank, XXXX XXXX, and XXXX. These cards expired and they wo n't reissue them. How can cash cards expire? This does n't feel right. If my debit or credit cards expire they send a new one. They claimed their agreements did n't allow them to do this.

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 monetary relief