BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
fay Servicing Applied for loan modification in XX/XX/XXXX was approved.in XX/XX/XXXX. The problem is the interest went from 4.5 % to 6.00 % the payment went up from {$580.00} per month to {$950.00} per month. There was a provision from the last modification for XXXX which {$34000.00} that was put into a non-interest bearing account to be paid at the end of the XXXX. This was court order from XXXX when XXXX was doing illegal mortgage practices. 
XXXX added the {$34000.00} to the the current mod with 6.0 % interest. This looks like the investor and them are taking a sub prime loan and making it dome to fail again like in XXXX when housing bubble started just make more money off the loan to send it to foreclosure again for quick turnover. The going rate for a mortgage is 3.95 % for an average credit score between 650-680. We have debit to income ratio and credit score that makes well qualified for a XXXX interest rate. This loan sharking activity is mostly likely happening to others that are coming out of the covid-19 forbearance protection asking for repayment option such as Modifications or Deferment payments which are the main options. Surprised by the new amount due for XXXX goes up from {$700.00} to {$1400.00} for the past 18 months forbearance. I don't know many people that can absorbed that increase at once. Please refer the previous complaints filed by me about the life of this mortgage Loan for the past XXXX. 
Case # XXXX Case # XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: LA
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:
Contacted XXXX about an account listed as a collection in my credit file for XXXX XXXX. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.

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 2023-01-30
Company: United Shore Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX it shows that my property taxes were taken out of my escrow account and paid. Payment information was sent to XXXX in a huge batch and XXXXc was to pay. XXXX didn't send the money until XX/XX/XXXX. This has happened several years in a row. Why is it taking so long to send the money? I want my taxes paid in the same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Collection Agency violated the FCRA by reporting negative information to the credit bureaus prior to notifying me of this alleged debt which is deemed to be unknown, past statute of limitations and/or fraud related. This agency reported me to the credit bureaus alleging I owed {$4100.00} on an account was opened on XX/XX/2022. This report raised a red flag because how could an account be opened in XX/XX/2022 and already in collections? Furthermore, why would they report this to the bureaus prior to contacting me? I was also informed by the credit bureau that my social security number was comprised and leaked on the Dark Web on XX/XX/2022 ; 3 days before this agency alleged the account was opened. I contacted the agency by calling the number associated with them and requested they send me something in writing. It's been 13 days and I still have not received anything from Diversified Adj. Services Inc. I have reason to believe false information was provided to the credit bureaus regarding this alleged debt and that this company is associated with several Dark Web Activities made in XXXX XXXX. My credit score dropped over XXXX points the next day and now shows below average. So far I have filed a police report and sent Diversified Adjustment Services a dispute, validation of debt and proof of claim letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The closing date for this loan was supposed to be on XX/XX/XXXX. The  company did not deliver a ready for closing and/or moving in. They refused to do the proper repairs to the house before the closing such date. After phone calls to them and e-mails, they were silent for 23 days. Then on XX/XX/XXXX sent a notice of action claiming we Withdraw the Application. This is not true. My spouse 's credit has already been damaged by the Credit Bureaus. We need your help correcting this. 

Company in Question is : Taylor Morrison Home Funding, XXXX XXXX North XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Amount and Loan no. : XXXX # : XXXX {$240000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One is assessing late fees on the same date as the payment due date and even though payment was made on the payment due date on my Walmart credit card. Capital One is the only bank that uses early cut off times. If you log in one minute past XXXX the system will only allow you to choose the next day to submit the payment. So even though payment was made on the payment due date, I am still assessed a late fee because of the early payment cut off time. All of the credit card companies that I deal with allow you to make a payment before XXXX pm before assessing a late fee and Capital One should do the same. Capital should have to explain why their cut off time is earlier than any other credit card company. If a payment is made before XXXX such as XXXX, Capital One has not problem taking out of my checking account in less than XXXX hours because I will receive a notification on my phone and e-mail that a debit to Capital On has been processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX my husband and I were in an auto accident and my XXXX XXXX XXXX, which was financed by Ally, was totaled. Although I bought a new vehicle about 3 weeks later, I paid my XX/XX/XXXX payment on my totaled car because my insurance company and the gap insurance company were still settling. In the middle of XXXX, I called the Total loss department at Ally and asked for a breakdown of what was being paid. I was given the payoff amount of my car, the total amount my insurance company and the gap insurance company were paying and the amount of credits for the refund of the gap insurance premium. It all totaled to XXXX. Three months went by and out of the blue I get a letter from Ally saying that I owed them {$1400.00}. I have called them 6 times asking for an itemization of why I owed this amount and why it took them 3 months after all the insurance companies paid to let me know I still owed money. They keep telling me they will escalate my issue to a supervisor and have them call me back. I had a supervisor call me back one time and she said that she was escalating it to upper management. No one is calling me back and explaining why I was told I had a XXXX balance in XX/XX/XXXXand then 3 months later I owe them money. I had gap insurance, I was told I had a XXXX balance in XX/XX/XXXX. Why do they keep ignoring 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 2017-08-24
Company: EQUIFAX, INC.
State: SC
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 is reporting XXXX unauthorized inquiries on my report.I 've disputed the inquries with Equifax several times, and I called them several times to tell them that letters were mailed to them companies requesting they show me proof that I authorize those inquiries, and it 's been over 45 days and I 've heard nothing from them. Equifax told me I should call the company and have them remove the inquiry. None of them have number listed only addresses. Equifax did not investigate the inquires when I disputed them prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED 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 2019-12-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions bank is charging overdraft fees on pending transactions, that don't affect the posted balance. This practice is unfair, and goes against the customer. If my posted balance is positive, I should not receive an overdraft fee, because technically my account is not overdrawn. On XX/XX/19 2 transactions posted ( {$7.00} + {$3.00} ) and left a balance of {$58.00}, which is the current balance of the account as of XX/XX/19. I received an overdraft fee on XX/XX/19, with the account having a positive posted balance and never had gone into an overdrawn status. I called Regions customer service on XX/XX/19 to get this resolved, and was told that Regions policy is that they use the pending transactions during processing, as if they posted to calculate the balance and assess fees. This is unfair. I have banked with Regions for 12 years, and the bank has always had unfair overdraft policies, which I have been a victim.

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 2022-05-03
Company: Portnoff Law Associates, Ltd.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company has tripled the amount of the original debt and attached legal fees that they have established. They have placed a lien on my property and sent the sheriff to my house. 

I have called this company and asked for a resolution and they have not offered any suggestions except demanding payment. I am willing to pay the original fees. Again there fees is triple the amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In 2010, I had an account that closed with this company that was paid off completely with both XXXX and Victoria Secret. About a year ago I was offered the opportunity to open a new account with Victoria Secret that is current on all payments. The old accounts are still showing as closed on my credit report even though we have a new relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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: Problem with personal statement of dispute

Complaint:
I have had an account with Capital One for over 2 years and never had an issue. In XX/XX/XXXX the company updated their system inadvertently changing my payment due date from the XXXX of every month to the XXXX of the month. I received a statement in XX/XX/XXXX stating that my payment was due XX/XX/XXXX then in XX/XX/XXXX I received a statement stating that my payment wasn't due until XX/XX/XXXX. Due to this system update, through no fault of my own, Capital One will not report any data to the credit bureaus for the month of XX/XX/XXXX. I have first contacted Capital One on XX/XX/XXXX and they instructed me to file a dispute with the credit bureaus. I filed the dispute and nothing changed. There is still a report of No Data for the month of XX/XX/XXXX on my credit reports. I contacted Capital One on XX/XX/XXXX again and this time they said that there is nothing they can do and that I have to contact the credit bureaus to see if they can pull a different report. I don't even know what that means. I am completely frustrated because this is negatively impacting me when I apply for additional credit and all they need to do is report data for the month of XX/XX/XXXX. Capital One said that they can not report anything because no payment was due, but that is not my fault. I made several payments before my payment was originally due XX/XX/XXXX. The fact that they will not report any positive data or paid on time data to the credit bureau is unacceptable to me as a consumer and I would appreciate help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
this account has been removed from the other  XXXX  bureaus and reporting negatively please remove as it 's blocking me from receiving further credit

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 2017-04-17
Company: Procollect Services LLC
State: ND
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid all of these to pro collect in full right away. They told me they would not reflect my credit as they are paid in full and they still have them open and they should not be as they are paid! They should not be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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 am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: DISCOVER BANK
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
I had sent XXXX round of dispute letters. The first round of letter was sent and received on XX/XX/2022. I ask the them to check the info on the collection because I believe I saw several discrepancies and to provide me with the actual contracts. Remove anything you can not provide signed, original contracts for that correlates to the accounts in question. They update it but didnt provide me with the actual contract! Then I send the second round of my dispute letters and they received it on XX/XX/2022. They deleted XXXX account but updated the others and still havent provided me the actual contract to the accounts. Which are required to do this under the FCRA XXXX provision. Experian

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