BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: RoundPoint Mortgage Servicing LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a request for the removal of PMI after my loan reached XXXX % LTV ratio in XX/XX/XXXX. I received confirmation of my request on XXXX XXXX, 2015. This stated that they received my request, and that I would receive a written determination within 30 days. 

On XXXX XXXX, 2015 I received a phone call stating that I had submitted the FHA form, and I needed to submit the conventional. While on the phone, I brought up the form, and confirmed that I had sent the conventional. I placed on hold and the customer representative came back and stated that I had filled out the correct form, but I had not checked any boxes. I confirmed that I had not check any boxes, because none were relevant to me. 

Again I was placed on hold, and when the customer service rep came back on, she stated that the requirements for removal were a XXXX %, LTV. I stated this was incorrect, my loan documents stated it could come off at XXXX pct, with automatic removal at XXXX pct. Again I was placed on hold. When the representative came back, she asked that I email a copy of my loan documents, which I did. 

On XX/XX/XXXX, after 3 months of no reply, I called to check on the status. The representative stated that they did receive my request, but needed me to fill out a new one. When asked why they needed a new one, the representative stated some of my information may have changed. I stated the form only asks for my loan number, address, and SSN, which have all stayed the same. Again I was placed on hold. After 5 minutes the representative returned and said they did not have an image of the request. When pressed whether they lost it, she would not comment. 

After 100 days, I am still at the beginning process of the removal of my PMI. Due to this delay, I have paid an additional 3 months worth of PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I FAUGHT LONG AND HARD ALONG SIDE WITH YOUR HELP AT CFPB AND THIS XXXX XXXX WAS DELEATED FROM MY FILE AS WAS PROVEN NOT TO BELONG TO ME AND THIS REAPPEARED ON MY CREDIT REPORTS, I NEED YOUR HELP AGAIN PLEASE TO DELEATE THIS FROM MY REPORTS PLEASE?.

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 2020-04-20
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a threatening and confusing letter about forced placed hazard insurance. 

Closed on my loanXX/XX/2020 with Owning. Loan was sold sometime after closing XX/XX/2020. 

Subject property is an attached PUD with an Condo Master Insurance policy, no in-walls coverage. A one year HO-6 in wall insurance was purchased through my long term insurance agent with XXXX and paid at closing, one year. 

Closing Disclosure has line item deduction for the HO-6 policy paid one year out. 

Received letter dated XX/XX/XXXX in mail XX/XX/XXXX from Dovenmuuehle stating Hazard Insurance for my property expired and this is the " SECOND AND FINAL NOTICE '' before Dovenmuehle will charge me for Forced placed Hazard Insurance. 

Issues 1 ) HO-6 policy paid one year in advance and Dovemuehle is not reviewing record or disegarding their own record or failing to contact the originator they purchased the loan from to obtain a missing record 2 ) Concerned the loan was sold on the secondary market and the purchaser threatens the borrower with inaccurate information to facilitate obtaining missing paperwork of the loan purchase ( the HO-6/Master Insurance Policy ) 3 ) Dovenmuehl would have this information in their records or access from the originator they purchased this loan from but is possibly sending form letters to extract monies from borrowers/homeowner by levying forced placed insurance, when in fact these borrowers have current policies in force. 
4 ) Business practice of Dovenmuehle to shift the burden and costs of filing/obtaining required documents in the purchase of loans on the primary market and evade their due diligence of obtaining necessary documents from the originator, in this instance Insurance onto the borrower with misleading statements and threatening to cost the homeowner substantial sums of monies via " forced place insurance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to school for two years to  XXXX  different schools during this time. Originally I was supposed to only have to pay {$19000.00} after disbursement amounts it would have been around  XXXX  to {$25000.00}. Last year in  XXXX  I believe I 've got on the student debt relief program that the government created I am technically  XXXX  although not on  XXXX  I have struggled financially and every time I would get a bill after being on the debt relief program every month my bill was higher and higher now they claim I owe {$38000.00} I do n't understand how it went from what it was when I started going to school to  XXXX . I have attempted on many occasions to get information from them concerning the details of this loan they still refuse to give me details of every aspect of this loan when the dispersants were paid out what interest was charged what school they were paid out to what the date they were paid out to I have tried to get detailed information how many occasions so I can examine this and they have fought with me I even had a lawyer send them a letter and they sent me a statement in the mail but it still did not have the details that I was requesting. Every time I call them all they want to do is put me on forbearance. They tell me I 'm on forbearance and then I get a email or phone call shortly afterwards telling me that I have a payment due happens every time. I 'm just really sick and tired of them   XXXX   me around I get nowhere with them when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Toyota Financial has reported my loan in default where as the loan amount has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for citi gold Bank account with a targeted promo code few months ago for XXXX XXXX miles. After completing the requirement i received a message from citi stating that i met the requirement and will be rewarded the XXXX XXXX miles. Citi never did give me the miles and they charge me for several mostly fees.

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 2020-04-02
Company: ID Analytics, Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried on numerous occasions to place a security freeze on my credit profile that this company maintains. On two different times over the last three months I faxed in the security request form from their website. Additionally during the same 3+ month span I twice submitted the security freeze request using the companies online platform. I have still no received correspondence on the outcome of any of these requests. I have called to company at the registered number at least 5 times, leaving voicemail messages and have not received a follow up call or any writing response. SageStream LLC is not responsive of my request and I demanding that they place a security freeze on my consumer profile and furthermore do not want them data mining any future information of mine. I also feel that they are in violation of the FCRA and FDCPA and should have to compensate me under willing violation of these acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. I sent a letter by certified mail on XX/XX/XXXX, requesting documentation bearing my signature as proof that I had any obligation to pay this party. I received a copy of a letter from the original creditor ( dated XX/XX/XXXX ), which I do not recall ever receiving prior to this. I sent a second letter by certified mail on XX/XX/XXXX, disputing any obligation and received a second letter from them requesting identifying information ( dated XX/XX/XXXX ). I complied with their request and was sent a 21-page update ( dated XX/XX/XXXX ) in which they again failed to address my inquiry ( see pages 1-3, 5 and 11 [ stating the account was charged off ] ). I researched and found that the collection agency is required to report that the debt was in dispute, but they did not. I also learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. I am filing a separate complaint for the manner in which my proposal for settlement was handled but wanted to make you and other consumers aware of their tactics that violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They sent me a report/letter that said they were collecting {$4200.00} from XXXX XXXX Private Label, which is not true. I 've never heard of this company and do not owe this money. I have exemplary credit and even checked my credit report to make sure and this is not on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of XXXX dollars by someone pretending to be my bank, which is bank of america, and they are targeting bank of america customers, they had access to all my information in my account and they told me that someone was in my account trying to take XXXX dollars out so they had me do this transfer to recieve the money back that i was scammed out of in the first place, which was obviously a lie, but i contacted my bank and told them and they declined helping me.

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 2020-07-18
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my account connected with lender so I can receive funds if account low. This keeps me from incurring overdraft fees. Pnc bank is not allowing me to connect account ; therefore, I have been charged overdraft fees totaling over {$100.00} which would have not occurred if company was allowed to connect and deposit funds. I also contacted PNC to get account credit for overdraft fees and they could not credit my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom it may concern today 's date is XXXX/XXXX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XXXX XXXX 2021 that I do have an account with XXXX XXXXXXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX XXXX and transunion. Which again I did not apply for any new cards with 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 2020-04-02
Company: Experian Information Solutions 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:
I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.

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 2019-12-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We missed a payment during a financial hardship. SunTrust will not try to help their customers at all. For several months during XXXX, I paid two house payments. I was currently due to pay three payments in XX/XX/XXXX. I could barely afford to pay the two payments. A few days after I paid the two payments, SunTrust reversed the payments and held them until they applied them to my mortgage on XX/XX/XXXX. I attempted to pay in XXXX and I was told they would not accept my parent because I was now in foreclosure. I am trying to modify the loan but now they want me to repay a 40 year mortgage when I'm only 8 years away from satisfying a 30 year mortgage. Prior to this crisis caused by SunTrust, I paid my mortgage on time and was paying additional principal.

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 2020-06-22
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
We refinanced our home at the end of XX/XX/XXXX. XXXX XXXX XXXX XXXX  bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get XXXX XXXX XXXX XXXX to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that XXXX XXXX is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.

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 2021-10-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company has called my relatives and friends in the past with harassing phone calls at early morning hours. I called them to ask them to stop calling people I know and to not call me. They claimed they recorded the request in their files and would stop. Today I received 3 calls from them in a matter of a couple hours. I finally picked up to see who it was and it was them again. I mentioned I had requested the calls to stop and they claimed they only had record of me requesting to stop calling my relatives and friends. I made it very clear again not to contact me. They put a manager on the phone that wanted to chat and rebuttal whatever debt he claimed to be calling about. I asked repeatedly to stop calling and that I had no interest in speaking to him. He got aggressive about it and I hung up. I am extremely tired of these calls. I have a medical condition that is amplified by stress and this company is greatly affecting my health and well being. I wish to not be contacted by them any longer. I placed my phone number on the DNC list today in hopes that will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.

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 2017-07-12
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CORELOGIC INC
State: IN
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:
To whom this may concern CoreLogic illegally furnished fraudulent reports stating i the consumer owes debt and infringing upon my right to privacy pursuant to 15 usc 1681b, 15 usc 1692e, and 1692d false and misleading information in my consumer file/report Ive demanded that this information be remove and ask that Remedy be sent through mail.

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 2015-08-11
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief