BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account. 
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So this XXXX account was previously with XXXX, XXXX. I sent a letter requesting debt verification in with XXXX in late XXXX of 2019. They never responded with debt verification but sold the debt to I C System which they opened the account in XXXX of 2019. I sent a dispute requesting that I C system verify/validate the debt through XXXX and they only said that it was verified, they never sent me the requested proof of validation nor did the send me a notice of debt which is required by US CODE 1692. I have asked for proof that this debt is mine from XXXX, and then this creditor on multiple occasions and they have sent me no proof at all but continue to report this debt illegally and change the dates of the balance being reported. 

I am requesting proof that this debt is mine and proof that they sent me a notice of the debt when they first purchased/opened it in 2019. The debt is not verified and there for should not be reported with out proper verification, including the paperwork from the original creditor ( XXXX ) and proof of their purchase from 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 2023-01-11
Company: EQUIFAX, INC.
State: OH
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
When I applied for the mortgage my bank used a credit report from Equifax. Out of three reports Equifax gave me the lowest score. It resulted in my mortgage interest rate being increased from 4 % to 4.125 %. The report contained the error : there was a credit card listed for which i was not responsible. Note that other agencies did not have that card listed. The complaint was submitted by me and by XXXX ( the issuer of the card ). My complaints were submitted through equifax website. I have also contacted to the manager and they assured me that once investigation is over i will get an email with the result ( we 've agreed on email because it is faster, my mortgage 's closing date is approaching ). I need the official result from equifax to demand my bank to change interest rate on my mortgage. Another problem i have is that Equifax would not allow me to send any information via mail or email. The only way to file a complaint ( as it states on their website ) is over the phone. It is done so that the individual does not have any proofs about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortagage was sold XX/XX/2020 from XXXX XXXX XXXX to freedom mortgage. I have an fha loan. I have been unable to reach freedom to pay my payment for XXXX. After multiple phone calls and conversations I was able to speak to someone about making my payment for XXXX. I was told by the woman at freedom mortgage the government was offering assistance to stream line mortgages to refi for a lower interest rate with no cost at all to me. Once I received the loan docs to sign freedom was actually charging me XXXX k in closing costs adding it on to the back end of my loan. When I pressed the mortgage person XXXX XXXX why I was being charged XXXX k in closing costs she stated it must be a federal regulation to put that as your escrow amount I said why cant the escrow amount be on another line and what do in owe for escrow. XXXX XXXX was unable to answer me and was happy to not assist me any longer with refi my mortgage. This clearly is a huge scam! I am so upset at being taken advantage of and had I not read the paper work I would have added XXXX k on my loan

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 2017-02-09
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ).
To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.

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 2023-01-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In 2017 XXXX  XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. XXXX has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again XXXX for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of XXXX XXXX XXXX XXXX, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within XXXX  days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.

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 2020-04-10
Company: ALLIANT CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

XXXX Notice from XXXX about the Inquiries viewed by others. That have unauthorized account below was open. 
1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX 3.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Notice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX XXXX Not Mine XXXX XXXX Not Mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX Not Mine XXXX XXXX XXXXXXXX Not Mine XXXX XXXX XXXX Never late on this account XXXX XXXX  XXXX XXXX Late

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 2020-10-20
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020, I opened an account with Capital One with the intention of receiving a {$100.00} checking account open bonus. I firmly believe the account opening process is in violation of UDAP because Capital One required me to fund my account before telling me I was ineligible for the checking account offer. If I had known that I would not qualify for the offer because I currently or previously had a Capital One account, I would have never opened the account.

Capital Ones offer is misleading in that Imopened my account and funded it before I was told I was ineligible for this offer.

I called Customer Service at Capital One and talked to XXXX on XX/XX/2020 at approximately XXXX XXXX  EST. XXXX led me to believe that I misunderstood the offer and that the computer system would have told me that I was ineligible for the offer before it opened the account. This is incorrect. The account was opened, I funded it in the amount of {$300.00} and only then was I told that I was ineligible for this offer.

I have attached screenshots of the offer and the messages I received when I opened my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting a collection from XXXX ... .I have challenged the 100 % accurate reporting of this account as required by law for over a year and they keep stating that it is verified as accurate ... ..they are definitely not conducting a full and proper investigation and are violating my consumer rights ... XXXX and XXXX could not verify nor validate this supposed debt and deleted it over a year ago and i expect experian to follow suit,,, ,ii have attached aa document from XXXX stating that the amount owed is supposedly {$7000.00} and i ve attached experian reporting it as {$7000.00} ... there is a variation therefore this account is not reporting 100 % accurately as required by law...

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 2020-04-10
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from Experian, XXXX, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.

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 2017-01-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.

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 2015-07-06
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Late fee

Complaint:
I have an account with Synchrony Bank for purchases at Amazon.com. I have the account on auto/recurring payments. Last month, instead of paying the minimum, I increased the monthly recurring payment amount and was told that this would be immediately effective since I was already setup on recurring payments. 

My payment was due on XXXX/XXXX/2016. I logged in today and saw that the payment was not made and that I had additionally been charged a {$25.00} late fee. I called customer service and they told me that there was nothing that I could do, because I was late. The CSR was extremely rude and told me that I was late, despite the fact that I was on recurring payments. 

I engaged a CSR on chat who was able to waive the late chargein 24 - 48 hours. However, I wanted to file a complaint because I thought that this was an unethical practice and I asked for a specific name to send the complaint to. She would not provide the name - gave me a XXXX XXXX XXXX and then told me to send it to 'manager '. XXXX XXXX was the CSR. 

I can only imagine how many people have been charged a {$25.00} late fee for the same reason. It is unethical and unscrupulous and the practice needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During a worldwide pandemic portfolio recovery associates file a civil lawsuit against me and have called my cell phone repeatedly using different calling numbers. They have called my wife 's cell phone without any consent to contact my wife, she's not on any old my old debt. This considered harassment! How could any court allow these people to file a lawsuit during this time of extreme worry and fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Conduent Incorporated
State: NY
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX 2016 I put in a claim with my financial institution where I purchased XXXX iPad mini gold XXXX from XXXX it was delivered and I did n't receive it. Went Through the proper procedure in filing a claim only for my financial institution to ignore my claim. I 've reached out to them numerous of times in regards to the claim and they still ca n't provide me with an update. I contacted the consumer finance in regards to the issue and they reach out to a bank but it was the wrong bank but XXXX reached out to US direct Express which they are the institution that works with my card concerning the issue and have n't heard anything back from them. A representative contacted me from us direct express and looked into my claim with consumer finance as well as the claim I had on file pertaining to my account and said he 's denying my claim a year after I put my claim in because I have a claim with XXXX the carrier of course I explained to the representative XXXX that I dnt have a claim with XXXX and the case number I provided was case number that 's linked to delivery inquiry that was made with XXXX. Me as the receiver could n't file a claim because the merchant is who could file the claim not me and I explained that to XXXX only for him to ignore me and still state that I have a claim on file only shows me that my financial institution never investigated my claim because if they did when they contacted XXXX the carrier XXXX would 've provided them with the same information they given me a year ago and I also contacted XXXX after speaking to XXXX XXXX and a representative from XXXX confirmed my story about the delivery inquiry so that shows me they never investigated.

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