BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: MA
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 am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX XXXX follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.

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 2020-03-19
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: MEGASTAR FINANCIAL CORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried to refinance at 3 or 3 1/8 % for a 30 year fixed the last two weeks or so ( from week of XX/XX/XXXX through XX/XX/XXXX ). Was unable to get a call from broker until too late to lock in. This is a mortgage industry problem that affects financial lives. The industry should be able to accommodate borrowers who want a rate- all borrowers who want a rate, or none of them. The industry needs to be fixed. The dates and details are not important. Nothing happened after I sent the company an email describing the problem on XX/XX/20.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive had this car loan a little over a year now. When I made My XXXX payment I noticed my payment was showing past due. Ive made all my payments ahead of schedule and never missed a payment or been late. I called Ally auto on three separate occasions to resolve this issue. The Ally operators can barely communicate, but did manage to explain my account would be updated to reflect the current status and any late charges would be waived. They were experiencing trouble with their website. That was three months ago and now I cant even contact them online or by phone. I get a message for high call volume and no one responds to my online queries. I am so sick of this kind of treatment. I work hard to be on time to pay my bills and creditors. I dont need predatory companies and tactics, sabotaging and holding my credit hostage. Please help me resolve 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 explanation
Consumer complaint received 2021-01-14
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is multi-layered problem beginning in XXXX of 2020 when I was attempting to refinance my mortgage with the same company that held my mortgage ( Nationstar/Mr. Cooper ). First, the person I was working with was not giving me accurate information and subsequently was removed from the process and I had to start over with a new person. Ultimately, the refinance did occur in XXXX, 2020 and I was satisfied with the new terms of my mortgage. However, within two months, I noticed some irregularities with my account and reconciliations. This started with notification that my escrow was short and that I needed to increase my monthly payment to account for the shortage or pay the shortage and keep my payment the same. I reached out to Mr. Cooper and started working with XXXX XXXX. XXXX looked at the account and saw two issues. First, Mr. Cooper charged me an additional " rate lock '' fee, which she paid back to me. She also noted that Mr. Cooper paid my property taxes twice, causing the apparent escrow shortfall. XXXX addressed the issue and credited by escrow with some funds and my monthly payment remained the same. 
However, I received a letter from Mr. Cooper, dated XX/XX/2020 stating that my escrow account was short and that I would need to pay more to make it whole. I also noted that when I check my account history on line after my XXXX payment there were quite a few additional entries. Bottom line for me was that my " remaining balance '' amount after my XXXX payment and my " remaining balance '' after my XXXX payment were exactly the same, meaning none of my payment went towards paying down the principal. I also found it frustrating that my escrow account could be short of funds less than two or three months in to the mortgage. If that was true, wouldn't that reflect on Mr. Cooper 's inability to properly calculate my escrow? However, when I compared to the amount I was paying for escrow to that amount with the refinance, the numbers were very similar as I expected. 
I was advised to reach out to you as this have been a series of mistakes and miscalculations ever since last XXXX. While XXXX has been very responsive, the others involved have caused me a great deal of anxiety that I should not have to experience to get proper servicing of my mortgage, particularly from the same company that was servicing my mortgage before, I am not new to them, nor are they new to me. I sent them a picture of the letter I referenced and a screen shot from my computer of the " history '' showing no credit for my XXXX payment. I can send the same to you if you want to see them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DATE:XX/XX/2017 AMOUNT : {$33000.00} I CALLED THEM AND INFORMED THEM THE ACCOUNT SHOULD BE SHOWING PAID IN FULL AND NO LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company refused to cancel the PMI even though we are less than XXXX % loan to value, according to a recent appraisal that the bank itself commissioned.

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 2015-04-13
Company: Synovus Bank
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I opened an account for a prepaid Visa card with First Progress in XX/XX/XXXX to help build up my credit score and everything was fine made all my payments on time and never had any issues until I decided to close this account out in XX/XX/XXXX for I was no longer using this account in I received my statement for the months of XX/XX/XXXX thru XX/XX/XXXX which showed they had charged me the annual fee of {$39.00} when I called in to close the account in XX/XX/XXXX the representative for First Progress informed me that as long as there were no charges made to my account that I would receive the refund of the {$39.00} annual fee along with the balance of my prepaid Visa Card which totaled {$150.00} but there would be a 60 day waiting period to make sure that there were no charges made to my account finally I received my refund in XX/XX/XXXX but it was on for the amount of {$150.00} and did not include the refund for the annual fee of {$39.00} in which the representative for First Progress indicated I was entitled to receive so I contacted customer service with First Progress and was told I would have to write a letter to the First Progress Correspondence department to request my refund which I did on XX/XX/XXXX, I received a response dated XX/XX/XXXX indicating that I would have to contact customer service to resolve this issue so I contacted customer service and they said that I would have to contact the Progress Correspondence department what they are doing is giving me the run around and violating their own policies for which I have been told XXXX different times by a Customer service representative that I am entitled to the refund of the annual fee of {$39.00} as long as there were no charges mad to my account in which I have the statements to show that no charges were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TX
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Supervisor XXXX XXXX of CBE GROUP XXXX A collection agency for XXXX / XXXX XXXX XXXX XXXX IA XXXX USA Accepted my credit card and recived payment for {$980.00} I RECEIVED A CONF # and was told i would get an emailed thankk you for your payment letter in 7 days. And the Total {$980.00} was paid on XXXX XXXX 2016 charged to my credit card on XXXX XXXX 2016 They promised to send a letter to email and mail but still have not. I called again to today XXXX XXXX 2016 and XXXX XXXX supervisor of CBE GROUP. stated it will take her 10 more days before she can send a THANK YOU FOR YOUR PAYMENT LETTER * NOT* AN ACTUAL RECEIPT. AND THAT IT *WILL NOT * SHOW PAID IN FULL OR XXXX BALANCE. **WILL NOT LIST ACCOUNT # S AND THAT IT IS A LETTER ONLY AND **NOT AN ACTUAL RECIEPT** I previously disputed because I believe they continue to bill / charge and collect on accounts over and over reporting to Credit Bureaus showing Negative on my credit. And that they get away with it because They ARE NOT HELD ACCOUNTABLE TO PROVIDE RECIEPT ITEMIZATION S INCLUDING ACOUNT # S AND SHOWING PAID IN FULL OR XXXX BALANCES. I FEAR THAT I WILL AGAIN HAVE TO PAY THESE CHARGES FUTHER DOWN THE ROAD BECAUSE THEY ****REFUSE**** TO PROVIDE ME WITH ANY TYPE OF RECIEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: OH
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:
There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct.
I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from 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 2021-01-14
Company: EQUIFAX, INC.
State: OH
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:
There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a client or was a client in a XXXX  XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America

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 2016-10-28
Company: Nations Recovery Center
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
You do n't really have a category for what my complaint is. I have a payment arrangement with a debt collector and have been paying what I said I could since XX/XX/2016. Since XX/XX/XXXX things in my home/personal life have changed and I have not been able to come up with the full amount and asked for a new arrangement until tax time when I hope to pay off the balance due. I want to continue paying something but they 're not willing to work with me. My account manager with an attitude let me do a lower payment in XX/XX/XXXX and XX/XX/XXXX but told me she wo n't do it again. I find her to have an attitude and I just do n't like her. The guy ( XXXX XXXX? ) who I had originally set up the arrangement with and that is his job from what I understand since his voice mail states that that 's what he does keeps transferring me to her even when I state that I want to talk to him. I 'm stuck and frustrated and not sure if you guys can help me but I thought I would give it a try.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a client or was a client in a XXXX XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America

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 2020-03-19
Company: EQUIFAX, INC.
State: MD
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 credit score was unjustly affected. My credit score was corrected at one point by XXXX everything has been corrected with the XXXX and an investigation was done to show this information was incorrect. It had been resolved at one point but it has again came up on my credit report taking a negative affect. XXXX has resoled on there side and states they are unsure why the credit bureaus keep adding to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has failed to send me my credit report after I had an identity theft issue. I have requested a copy of my report multiple times over the last 6 months and Equifax has never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX, Home Depot gave us an estimate to have our kitchen cabinets refaced with a guarantee that they would match any lower price. In our research we found that XXXX could give us a brand new kitchen for XXXX less. When we asked Home Depot to price match they refused. I therefore cancelled the contract for the cabinet refacing and supposedly Home Depot removed from my account the {$15000.00} charge from my Home Depot credit card. XX/XX/XXXX, I was notified that I still owed interest on the {$15000.00}. I have made several attempted to get Home Depot Credit Services to remove the {$3800.00} in interest charges from my account, but they keep telling me that will only do that if I pay {$4800.00}. This does not make any sense to me as a consumer. No work was done by Home Depot at my except for the measuring of my existing cabinets for the task that was never completed. For two years my statements from Home Depot never showed a balance over {$8000.00}. Then all of a sudden a balance that was at {$5000.00} jumped to {$8800.00} without any explanation. Home Depot Credit Services and Home Depot have refused to answer questions from my legal assistance lawyers or respond back to me in writing as to how they came up with the {$3800.00} in interest charges on {$15000.00} charge that was removed from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

Company response to consumer: Closed with explanation