BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: Mortgage Research Center, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, we started a loan application with Veterans United Home Loans which did produce a loan and purchase of a home with a VA loan. At closing, per our loan agreement and records showed what was included in our escrow account ; Home Owners Insurance, Flood Insurance, Taxes, and POA assessment fees for the year 2018. After three months, our loan was being serviced by a different lender. Our taxes and homeowner 's insurance was included in our new escrow account with the new lender. However, our flood insurance and POA assessments were not there and there was no flood policy written as well. We did pay Veterans United Home Loans for flood insurance but yet there was no policy. After reaching out to Veterans United Home Loans back in XX/XX/2018, I was instructed to contact our insurance representative. I have fixed these issues since, and now being contacted by Veterans United Home Loans trying to get our business again to refinance just to be sent to a different lender shortly thereafter. I will include the correspondence received from Veterans United Home Loans, and I did ask to be taken off their contact list. 

We also know why they, Veterans United Home Loans, are contacting us now is because we did try and refinance our VA loan with horrible experiences from four different lenders this past month. Our experience was that the lenders would basically get our home equity in either closing or points costs to us for just a difference of $ 100-200 in our monthly payment. We felt that we would gain better by paying extra towards our principal balance each month to lower the amount of interest we would pay over the time of the loan. My husband and I feel that these lenders knew exactly what they were offering and why. 

We would wish others to understand that equity in your home is precious and giving it away to lenders for a difference not beneficial to a veteran is not the way to go. 

All of the lenders offered the four listed problems that the VA stated to watch out for. We just want to get the word out there.

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 2015-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been living in my home with my wife and XXXX children since XXXX of 2010. Everything was going well as planned until we ran into some financial issues. Our current mortgage is thru Bank of America and after falling behind a few months on my payments, I reached out for assistance. At first they tried to give me a 3 month forbearance, but after completing all paperwork required, and XXXX payment submitted, they decided to return my check and tell me that I did n't sign the last XXXX sheet in time, so I 'm no longer approved. Since then I 've been in touch with a representative who was trying to work with me on submitting more paperwork to be reviewed for help, but they came back again and tried to say I made a few XXXX more than I did. I was advised to resubmit the paperwork again with the figures that were exact ; I was told that if I do n't get approved then my only choice will be a short sale or foreclosure. I ve repeatedly expressed that I 'm willing to do anything and make payments but they do n't seem to care. I thought they 'd want to help someone willing to make payments but they 'd rather try and foreclosure or make me do a short sale. I do n't know where to go from here if I can not get assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX  is reporting incorrectly a balance of {$130000.00} to XXXX  and Transunion on the XXXXXXXX XXXX XXXX  partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX  has removed this line item and I respectfully request that XXXX  and Transunion remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 an 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 explanation
Consumer complaint received 2016-04-05
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I fell on some hard times and XXXX of my private loans went into default. About a year ago I made an agreement with the company to pay them x amount of dollars a month, keep in mind this sum does not include other student loans that I have. I have made that monthly payment on time for a year now. I recently called the company asking them what I could do in order to consolidate or get out default with these loans. The company 's response was " There is nothing we can do until the loan is full paid off ''. Keep in mind these XXXX loans range from XXXX-XXXX. I make approximately XXXX a year, so how on earth am I ever going to repay these loans with interest accruing and them tacking on late fees each month?!?! I want to work with them, I want to help them regain their money and me feel like I have a repayment plan that is working, not one that I feel it 's hindering both parties. I am willing to work with them, they just flat out refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Enhanced Recovery and XXXX about a debt on my credit report that does not belong to me. The debt is listed on my credit report as XXXX. I have sent numerous correspondence requesting validation of the debt that includes my signature and authorization. XXXX has not provided me with the requested information. Therefore, I am demanding the account be removed from my credit report. The dates that I sent certified letters to XXXX pertaining to this debt are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax will not delete the Bankruptcy from my credit report. They are violating 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 an account or public record without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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:
I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Inquiry -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 2022-07-07
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Republic finance has repeatedly added fraudulent fees to my account. This account has been closed for 3 years and some but yet every month the credit bureaus alert me that they are adding fees to my closed account I'm looking into this with my attorney because it seems to be fraud. I would like it corrected to the right balance and no more fees added monthly or I will be forced to seek legal actions and go to the XXXX XXXX to file proper charges. After the accident I'm just now starting to work again to pay my old debts but I can't stand by and let the companies ad fees every month that I don't owe. My initial loan balance was {$3100.00} now it has jumped over XXXX since the loan has been closed this is wrong and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the past year, I have been charged over {$500.00} in overdraft fees. My bank charges {$35.00} each instance. When I noticed that a lot of the overdraft fees were due to automatic payments that I was not familiar with, they tried to charge me an {$30.00} per account to stop payment.

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 2022-02-26
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been requested to pay for a collection that is not mine. I ask for a contract and they sent a fraudulent contract with a signature that is not my signature. It is for an alarm service where I don't live and have not authorized anyone to use my name or credit. This can only be stolen identity because this is not credit account. Three years ago, XXXX, XXXX tried to collect from me, I explained this was not my account and they removed from the credit bureau, then approximately a year later XXXX, I received mail from another collection agency which I don't know the name. Now I'm receiving from another collection agency. They just keep selling this unauthorized, fraudulent debt. The email address, telephone numbers or the bank account the funds were being drawn from is not mine or has ever been associated with me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: DISCOVER BANK
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Item was bought XXXX/XXXX. Received the product XX/XX/XXXX. XX/XX/XXXX I filed a dispute for an item I received and was not up to par with what they claim with discover. Waited 30 days and reached back out on XX/XX/XXXX and was told theyre still investigating and letting the merchant have XXXX  days to respond and I need to let the case play out. Was told I can call back in a week. I called back XX/XX/XXXX and was told that the case expired XX/XX/XXXX and the merchant still had not responded and the dispute was ruled in my favor. Fast forward to XX/XX/XXXX I got an email saying the dispute was charged back and deemed valid and that I needed documentation that the merchant agreed to refund me my money to my discover card with the last XXXX digits of my discover card. Discover does not want to accept an appeal and say they need that documentation to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have me the requirements of the Homeowners Protection Act and my current LTV of my house is less than 78 %. I have informed the Mortgage holding company ( Cardinal Financial Company Limited Liability Company ) of this fact and the code requiring them to drop the PMI and they have denied my repeated request.
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They have told me that I must pay for an appraisal before they will drop the PMI. I have informed them that I am not required to submit a new appraisal based on the same section the code. It is listed under 12 US code section 49.
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I need help in getting this situation resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions 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:
Not my accounts or inquires

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies. 

This are a violation of my federally protected consumer rights.

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 2022-07-07
Company: Byrider Franchising, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dealing with payment collector from CNAC dab JD Byrider in XXXX XXXX TexasOn XX/XX/XXXX I was bombarded by a voicemail, a text, an email and calls to XXXX personal contacts without the opportunity to respond to any XXXX of these modes of communication. I called back in the morning responding to all three media and was called from a number which I later discovered was the collector on a cell phone. She claims it is a company cell phone but she had previously reached out by text and when I asked who it was there was no response. I have deduced that it is the collector sending harassing texts for a payment that was past due. On XX/XX/XXXX the I asked the collector about a text from phone number XXXX ( XXXX ) XXXX to which she denied. When I spoke with her today XX/XX/XXXX she changed her story and stated that she did not have to identify herself, meaning she lied when prompted about her identity on a cell phone. She also mentioned that this is how they conducted business. I informed her that I will be filing a consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midwest Service Bureau called regarding a bill with the XXXX XXXXXXXX XXXX the phone was answered by my boyfriend In the call the collector revealed my XXXX status and went on to say they would sue me if I did not pay the bill. Now the entire town knows about my XXXX status because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: MS
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 have hard inquiries on my credit report from XXXX and XXXX and they are refusing to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX has violated my rights. 15 US 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 an 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 explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: TN
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 Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the past 3 plus years Ocwen Mortgage has fraudently been reporting that I have been late numerous times which is inaccurate and untrue. 
Although I have sent them numerous correspondences alerting to them that the information was inaccurate and untrue even providing proof such as canceled checks etc. They and their subsidiary company PHH Mortgage has continued to report this derogatory and inaccurate information on my credit reports. 

The only response from Ocwen And PHH Mortgage has been dunning letters and informing me that I am past due and adding excessive late fees. 
I have disputed this inaccurate information with all three credit bureaus but Ocwen and PHH continue to verify and falsely report this inaccurate information. 

I had a previous lawsuit with Ocwen Mortgage which was settled out of court several years ago and they agreed to remove this false information but have failed to do so. 
Ocwen turned over this false information to PHH which continues to report this false inaccurate and damaging information. 
Ocwen and PHH have been willingfuly withholding my payments and returning them to me after a 30 day period just so they can charge excessive late fees and illegaly foreclose on my home which I have been able to stop everytime they have tried.

Company response to consumer: Closed with explanation