BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I very respectfully request a throughout review about the below claim against Freedom mortgage. I sincerely hope that it is resolved on my favor. 
Freedom mortgage has been reported the credit bureaus XXXX, XXXX and XXXX a late payment since XXXX 2015 which has been brought my credit score gradually very low to the point that I was denied a credit transaction. 
I have been greatly affected by this report and have been requesting them several times to fix it to no avail. I am still showing late and my credit score is dropping dramatically. It got to the point that one representative told me to not worry about it that they have all my payments done on time and that was a system mistake. All the times I spoke to Freedom mortgage officers the call was announced to be recorded so I am assuming there are plenty of recording to follow out conversations about my payments that prove I have been asking them many times to fix the issue. 
On XXXX XXXX, 2015 I applied for a refinance loan and was declined. The mortgage office told me I had been late in a mortgage payment since XX/XX/XXXX with Freedom mortgage and with that I was automatically disqualified for a mortgage refinance. 
I immediately call Freedom mortgage but they seem to not understand what is going on and just keep on saying it is going to be fine but the damage is done and they are not fixing it. Nobody has reached me with solutions either. 
I sent the paper work to the credit bureaus but I have not been contacted nor I see any change in my score. My problem needs to be solve with urgency as I am desperately need to refinance a mortgage with very high rate. I am experiencing financial loss due to the false report.

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 2017-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Advertising and marketing

Complaint:
I called Capital One XX/XX/2016 to opt out of receiving credit card applications in the mail. Continue to receive them. I WOULD NOT USE CAPITAL ONE IF IT WAS THE LAST CREDIT CARD ON EARTH. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: LEXISNEXIS
State: PA
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 notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has sent a falsified debt to I.C System, in which I do not have a balance with the company. XXXX has and continues to utilize predatory pricing among minority populations. XX/XX/XXXX has continued these illegal practices in their billing schemes, and the credit reflected on my credit report is not factual. I am seeking a written apology from the corporation and removal of this un-owed debt from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I read in the news that my current servicer, Navient, is being sued by the CFPB and that if I 've experienced anything negative during my experience with them that I should submit a complaint. 

I have three major complaints about Navient. The first is that I was not aware of the fact that all unpaid interest on my outstanding loans would be capitalized if I consolidated them with Navient. This means I 'm paying interest on top of interest and seems unfair. Secondly, I 've made attempts in the past to make additional payments beyond my minimum in order to pay down my loans more quickly. Doing so, however caused me to get booted from the income based repayment program I was on and gave me a budget crunch when my payment skyrocketed without notice. Lastly, every year when I have to recertify for my income based repayment I 'm not given any kind of notice or forewarning and I think this is also done intentionally to boot me off the income based repayment program. 

I have a fico score over XXXX and am paying 6.75 % on these loans which seems usurious. I hope the new president allows me to refinance at a lower rate and have the outstanding balance forgiven for me after 20 years instead of 25. Also, some action needs to be taken on making the forgiveness of student loan non taxable. Currently I will have to pay income tax on any debt forgiven after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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: Information belongs to someone else

Complaint:
A police report was filed for an account opened without my consent with XXXX in XX/XX/2019. XXXX will not mark the account as fraud despite multiple attempts to explain the situation. After filing a dispute with Equifax they have stated the information presented to them from XXXX  is accurate however the party responsible for using my identity only needed to confirm a text message via my cell phone number which according to law enforcement can be cloned. Equifax will not let me submit a new dispute and has not marked the account as fraudulent. I need it removed from my credit report before it impacts it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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: Investigation took more than 30 days

Complaint:
I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We have a credit card from Bank of America and was signed up for automatic payment. I cancelled automatic payment in XXXX 2015 after our checking account was debited twice after I made a payment. The extra money was returned to our checking. This month, {$520.00} was removed from our checking account ( XXXX XXXX XXXX XXXX ) and applied to our credit card. After making a complaint, Bank of America stated they would credit our checking account on XXXX XXXX, 2015. This did not happen. After phoning Bank of America today, the lady I talked to said that the money was credited back to the credit card account. I told her that was totally wrong. How can Bank of America take {$520.00} out of my checking account to credit the credit card account ... then removed that {$520.00} and again credit it to the credit card account. Totally makes no sense whatsoever. Bank of America states they will research the problem which will take at least seven to ten business days. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My private student loans they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and they are reporting and reaging old debts every month as if they are new. There was an astronomical amount of interest and fees added and I do n't even know if I owe for all of these loans. They are old and were supposed to be deferred by XXXX they were bought by Navient and they are reporting illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America - MortgageRefuses to provide " release of lien '' - XXXX years after mortgage paid off. 
I can not sell my house - was due to close XXXX/XXXX/XXXX. 

Bank Employees in call center refuse to provide contact person or phone number to help resolve. XXXX employee even refuses to provide her Operator ID # with the bank. 

This is the XXXX time in XXXX years that I have been selling a house and the transaction was derailed by Bank of America 's negligence. 

In XXXX, Bank of America filed a mortgage lien on the wrong house by mistake. Even after admitting the mistake, they refused to remove the lien until I sued in Colorado district court. Only then, someone with authority paid attention - removed the lien - and Bank of America paid my damages. 

Now, XXXX, I am selling a property on which I once had a Bank of America mortgage. I refinanced with XXXX in XXXX XXXX. Bank of America was fully paid off. They failed to remove the lien. Now, almost XXXX years later, I 'm scheduled to close the sale of my house and the closing is blocked by the erroneous lien. 

The Bank agrees they were paid off nearly two years ago and they should have released the lien. Even so, they refuse to do so and refuse to return my call. 

I will be filing a lawsuit again. 

Maybe they will again pay attention only after being sued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: FL
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 been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX   XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX. the other one is a XXXX XXXX XXXX XXXX opened in 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I closed on my home purchase with XXXX XXXX and the company immediately sold my mortgage to Chase Bank. The terms of the mortgage included an escrow account to cover the home insurance premium and property taxes in the XXXX of Massachusetts. Over the course of the XXXX tax year, Chase refused to pay my property taxes because, I was told, they were not receiving electronic tax statements from the town where I live ; so despite having the funds in my escrow account, and the fact that I sent copies of my paper tax statements to Chase, they would not pay the taxes, and I had to come up with additional funds to pay the taxes myself. This amount was approximately {$8000.00}. I spent the last year calling Chase to resolve this situation, but they still would not pay my property taxes. They indicated they would, they also said they would call me back at various times to let me know when the situation was resolved, but ultimately the bank has been unresponsive. As a result of the bank 's inability to resolve this, I am now in the process of refinancing my home mortgage at a substantially higher interest rate. In the meantime, I've closed the escrow account and was supposed to receive a refund in XX/XX/XXXX in the amount of {$9000.00}. For some reason, Chase split this amount into XXXX payments. I received XXXX payment for {$2200.00} in XXXX, but the balance of {$6700.00} is being contested because Chase indicates they mailed me a check ( to my old address ) in XX/XX/XXXX which I did not receive ( Chase did have my current home address at that time ) ; then Chase told me they sent another check in XX/XX/XXXX ( which I also did not receive, but Chase said that check has been cashed ). I've called Chase several times to request a copy of the canceled check ( front and back ) and the form needed to file for an investigation, but Chase is unresponsive. They keep telling me someone will call me back or they will send the canceled check and investigation form, but I'm getting nothing from Chase. My taxes are now due again the end of XXXX, and I need the remaining funds from my escrow account to pay these taxes on time. Any help you can provide is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: CA
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:
I have had this auto loan since XXXX XXXX 2014. Every payment was made on time and I was never late on this account. On XX/XX/XXXX of last year, the car got totaled. My insurance company held the car. I made my XX/XX/XXXX and XX/XX/XXXX payments to remain current on my payments. However, the insurance company was going to be paying off the loan in XX/XX/XXXX of last year and I was told they would be paying off the balance of the loan and not to make a payment. 

The car was paid off but the car payment was made 18 days after the XX/XX/XXXX due date of XX/XX/XXXX. Wells Fargo put a 30 late payment on my credit report causing my credit score to drop 100 points. I called them and they admitted that the account was not 30 days late but only 18 days late as the final payoff amount was sent on XX/XX/XXXX of last year.

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 2020-03-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX has violated 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 a 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 non-monetary relief
Consumer complaint received 2016-06-25
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
NEW COMPLAINT UNRELATED TO ANY OTHER CASES Credits not received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.

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 2016-04-13
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Freedom Mortgage calls me every week to ask me to RESUBMIT paperwork that I 've ALREADY PROVIDED MULTIPLE TIMES. 

This has been happening for over two months, going on three months. As a result, they keep delaying my forbearance application, charging me penalties and ruining my credit so that I have no ability to re-finance with another institution. 

The reasons they provide for the delay and request for re-submission of paperwork already provided are in an attempt to delay. 

The reasons have been ( a ) forgot to ask previously ; ( b ) personnel at Freedom Mortgage are not scanning documents properly ; ( c ) there are so many documents submitted, we are too lazy to confirm that we already have the docs we are requesting so it would be easier if you resubmit ; ( d ) the underwriter did n't review the docs properly ; ( e ) your single point of contact was out of the office and did n't have anyone covering his files in his absence ; and ( f ) your single point of contact does n't bother to look at your files when you submit docs but only every 3 - 5 business days. 

Also, why do they need paystubs in XX/XX/XXXX for a forbearance request from XX/XX/XXXX as a result of UNEMPLOYMENT.

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