BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-09
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage thru US Bank and have PMI which is supposed to automatically terminate at XXXX % which happens on XXXX XXXX, 2016. Yet they are still requiring PMI for XXXX and just sent me a letter demanding that I prove my home value has n't declined in value and I know this is n't required for automatic termination! Then I spoke to someone in PMI who said that my PMI would be terminated on XXXX XXXX but requiring that I still pay XXXX payment and then they will refund it at the end of XXXX. 

I questioned why I was being told XXXX different things first the letter demanding I prove the home value has n't declined and now that I still need to make a XXXX payment even though my PMI should be terminated XXXX XXXX. He had no real answer nor would he fix the problem. Instead he told me I had to pay PMI for XXXX XXXX and then wait for them to refund me the money! 
Please intervene to make sure my PMI is terminated as of XXXX XXXX, 2016 as I 'm at XXXX % then and have been current on my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint number XXXX I'm adding important document that is imperative to this complaint also when I spoke to them and made my last recent payment they said I was 11 payments behind ( not correct I'm up to date ) and I received a tax bill from treasurer office that my property tax is not paid which shell point is supposed to make the payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied and received a discharge on all of my student loans but this one. They refuse to talk to me and now they are having {$200.00} taken from my XXXX XXXX every month! 
I ca n't afford to move because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed and requested a validation of the debt Rash Curtis and Associates claimed I owed. Consumers have the right to request a validation of debt to ensure that the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that their company seeks to collect the specified amount. In response to my request, I received a letter from Rash Curtis noting the amount I allegedly owe which was incorrect ( such as the location I received treatment ) and a copy of an outdated patient ledger/statement. In addition, the statement copy sent merely illustrates that I was properly insured at the time services were incurred and their client, XXXX XXXX, was negligent in billing my insurance provider within the required time limit. Therefore, neither Rash Curtis nor their client have properly substantiated their claims that I owe this debt and as such, it has nothing to do with me. 

In addition, I have provided significant evidence disproving Rash Curtis 's claim that I owe this debt and I have made several attempts to resolve this issue with both parties ( see attached ). My insurance provider at the time ( XXXX ) also attempted to contact both companies to resolve the issue and provided documentation showing I am not responsible for this debt as XXXX XXXX was contracted with them at the time of my services. Yet, Rash Curtis still reported inaccurate and invalidated information to my credit report over 5 months ago and despite receiving information from me disproving their claims shortly thereafter, Rash Curtis has not removed the debt from credit report. This action constitutes fraud under both Federal and State Laws and the negative marks found on my credit report are in violation of the Fair Debt Collection Practices Act and is Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account. XXXX XXXX XXXXXXXX XXXX account. XXXX XXXX account. XXXX XXXX XXXX account. 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 : It 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 2019-12-10
Company: Trident Asset Management, L.L.C.
State: WA
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 asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ACS Education Services
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My student loan company, ACS Education Services, has given me a choice : I can receive monthly statements about my account, or I can enroll in an auto-pay program that results in a 0.25 % interest rate reduction. Obviously I want to reduce my loans as much as possible, and auto-pay is a great way to avoid missing a payment. So I took that option. 

However, without a monthly statement, I can not easily see how I am doing on this loan from month to month. For instance, I can not tell exactly how much I am paying in interest each month. There are " informational '' webpages I can access, which seem to provide a snapshot of the loan at that particular moment, but those webpages do not provide a monthly status report the way a statement does. Nor can I keep records of my ACS statements, as I do with my loans from another servicer. 

My question is : Is it appropriate and legal for ACS to refuse to provide monthly statements to borrowers unless we agree to forego the lower interest rates and auto-pay? Should n't they be required to provide monthly statements to everyone? It does not seem fair to force borrowers to effectively pay more, and lose auto-pay, just to have a monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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 recently went over my credit report and I was shocked to see that there is an inaccurate inquiry being reported on my credit file. This derogatory inquiry is not mine and I have no knowledge of this inquiry. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have this derogatory inquiry removed off my credit file

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 2020-04-15
Company: Thunderbird Collection Specialists, Inc.
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: Information belongs to someone else

Complaint:
Thunderbird Collections used aggressive scare tactics and refused to acknowledge the marital settlement agreement that SPECIFICALLY stipulates that I am indemnified from my ex- husbands medical bill. They provided NO documentation, and did not try to get the money from him. 

They were rude, aggressive and used bully tactics -- I have added to my XXXX  file a copy of the marital settlement agreement that stipulate this. 


Company Thunderbird Collection Specialists Address : XXXX XXXX XXXX XXXX Date of separation XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon turning over my mortgage from the originating bank to LoanCare, I advised and provided them with documents showing that the Homeowners and Property taxes had been paid, up front and in full. I asked that they remove the escrow whereas they provided me with steps that I needed to perform to begin the process. I followed their steps, providing them with their compliance and they still continued to collect escrow. Every one of the 32 phone calls leading up to this day, their agents gave me a textbook response that there is a cycle and it will be deleted within 5-7 business days. Well, I call every five-seven days and with each call they tell me it is in process and I continue to send to them copies of the paid taxes and Homeowners insurance for the years XXXX and XXXX. They leave me on hold in excess of 90 minutes, they bounce me from escrow to insurance and insurance to escrow. I have requested management and they will not escalate. No one is ever available and no one ever calls me back. Time was of the essence because I needed to make sure they are not paying out what has been paid and what do I receive in the mail, a notification that they have indeed paid out again. I have not received my monies that they collected for escrow even though I provided them with payment receipts. The insurance company even advised them personally on 4 occasions that they were in receipt of full payment for XXXX and XXXX. I want off of this merry-go-round and for someone to intervene so that the escrow is removed as I requested in excess of 32 phone conversations. They assured me it has been in process for the past year. This is unethical, I want my money returned and the escrow removed and they be accountable for this misjustice.

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 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. 
They failed to refund my escrow money and no action has been taken to resolve this issue by them. 
I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.

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
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}

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 explanation
Consumer complaint received 2021-12-14
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 and then again on XX/XX/2020 XXXXXXXX XXXX XXXXXXXX made hard inquiries on my credit. I don't know who they are but no one has been authorized to pull my credit multiple times. It's possible one hard inquiry was authorized when I was shopping for a new rental property however no one should be accessing my credit multiple times.

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 2016-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage was initially with Bank of America. In 2007 Bank of America transferred our mortgage to XXXX. In checking my credit report. My mortgage is being reported as XXXX times 90 days late in 2007. Our mortgage was never late!!! We paid Bank of America on time each and every time. They or XXXX is falsely reporting this. Also, it is listed in 2007. When XXXX got the loan they began charging us approximately {$690.00} per month in PMI on a XXXX dollar mortgage. This has to be against the law and unethical at least, price gouging a consumer. I have tried numerous times to get this straightened out with XXXX but never get anywhere. I feel we are being held hostage by this mortgage company who then just in the last two months has transferred our loan again to someone called XXXX. I have asked for our original mortgage documents, they said they would send them but I have not received them. This has been one month ago. I had never seen the late reporting from Bank of America until we went to our credit union to refinance our mortgage because we ca n't afford the payment which continues to go up and is now at {$1900.00} per month because of the PMI. Our loan officer at the credit union could n't understand why my credit score was in the 600 's until she kept looking and found the 90 days late for XXXX times being reported from Bank of America!!!! Help!!! How can I get this removed, it is false and damaging information.

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 2021-11-15
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am on a Forbearance plan with Loancare and my regular payments, according to their " Office of the Customer '' should restart on XX/XX/XXXX. 
I am trying for weeks to reach this Office of the customer and called there at least 35 times. I think this is just a made up Office that doesn't even exist, because all I ever receive is a voicemail, stating the office is closed. I left numerous messages, asking for a call back-NOTHING!

I also received threatening letters from Loancare, stating my loan is in default, which is a lie.

I don't know what to do anymore and I am in fear to loose my home.

All I need is that Loancare sends me the, so called Deferment Package for me to sign and state that my next payment is due on XX/XX/XXXX. 
In 7 letters from loancare i received they could not confirm that. 
I want to get my loan current and begin payments again on XX/XX/XXXX when my Forbearance plan ends. 
Where is my Deferment Package to sign?? 
If i call their " Customer Service '', they have no idea what I am talking about, transfer me to the Bankruptcy Department or let me wait in line for hours until I hang up. Right at this moment I am waiting in their holding line for 68 minutes. I need this issue resolved. CFBP should initiate legal steps against Loancare because of their unserious business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX with regards to a charged off account with XXXX XXXX  XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX was completely incompetent in conducting  thorough investigation. The inaccurate information given by XXXX XXXX XXXX is what XXXX updated without any further  inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my Transunion report, but unfortunately the account currently remains active on both Equifax and XXXX reports. A dispute was initiated with XXXX / Report # XXXX on XX/XX/XXXX and with Equifax requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX deleted the account from my credit report, XXXX and Equifax continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why XXXX and Equifax continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank has refused to refund monies that they put into an escrow account for insurance on the property, and I provided documentation stating that I had been paying a private company for insurance. They had my address incorrect for the time in which they have charged me for insurance ; they also moved their company so insurance company could not fax them correct information. I have tried numerous times to get this resolved ; however they will not budge. My local banker has spent HOURS on the phone with them, trying to resolve this for me ; and everyone he spoke with agreed that the money should be refunded.

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
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}

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 explanation
Consumer complaint received 2021-11-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.

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