BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: BANK OF THE WEST
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process to refinance my home mortgage on XXXX. I have my current mortgage with Bank of the West and have had it for probably twenty years. I am going through Bank of the West also for the refinance. The first loan application was emailed to me on XXXX. The load officer is XXXX XXXX XXXX # XXXX. Thirty days passed and when I called XXXX to ask the status of my loan he told me that application had timed out and he needed to resend the exact same file so I could resign it. The application he sent had several increases in loan costs for me and I questioned these. He then admitted that the original values were incorrect and that is why he submitted a new loan application on XXXX. He lied and said the first application had timed out over thirty days but in reality he held on to the application because of his mistakes. After arguing with him he finally submitted a third loan application on XXXX for me to sign through email. There are still values on that application that are not correct and he has told me they will get straightened out. He is charging me a refinance fee to correct his mistakes. I argued with him and said I should not have to pay for his time to correct his mistakes and he said if I don't sign the application I will not get the loan. He sent me a Loan Disclosure form supposedly with the final numbers and there are still mistakes. I do not get anywhere with him when I speak to him on the phone or through emails. I am livid with the fact that it has been over 14 weeks since I started this process and it still is not done. The loan application was only good until the date of XXXX which has passed. XXXX said that date can be extended by I believe he is stalling on purpose. All of our conversations and emails are recorded and I want some kind of assistance to get him reprimanded for the lies and deceit. On XXXX the loan processor XXXX XXXX called me and I complained and told her I was going to file a complaint against XXXX XXXX. I am sure he has heard this and now I am being ignored and doubt my loan will ever get processed. Every time XXXX calls she asks for information that I have already given her or XXXX and sometimes I am asked two or three times for the same information. I need help from someone who can review all the paperwork and telephone recordings and emails and get this process done. I am getting physically sick from the extreme stress and incompetence from XXXX XXXX. Please help. 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 2023-03-16
Company: Dynamic Collectors, Incorporated
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to this establishment, when I looked them up, XXXX XXXX, I found that under their reviews that they have been doing this to countless people - I do not know them and do not wish to be scammed. If it is somehow my debt to pay I would like to pay it once and for all, other people under the reviews as I read had tried to go through the company to pay and had been scammed into paying twice and still received debt collection papers later as if they had not payed. Please help me to pay it once and for all if it somehow a true debt. I am a young person and know little about credit but I would like to avoid further messing up 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 2023-07-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
TransUnion had an incorrect item on my credit report. I signed up to XXXX website to dispute their mistake and they enrolled me in a $ XXXXmonth credit monitoring program without making that clear. I did not know I was enrolled in this until I got a receipt from my order. If there was a box for enrolling in this on the sign up page, I certainly did not click it. It must be an opt out system, which is incredibly crooked, especially considering I was creating an account to dispute their mistake. They essentially blackmailed me into paying {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 monetary relief
Consumer complaint received 2023-05-09
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: Account status incorrect

Complaint:
To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Ending XXXXXXXX XXXX Account Ending XXXX XXXX XXXX  Account Ending XXXX XXXX  XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-07-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased furniture by conn 's home plus. Every since the day of purchase they have been saying they are going to fix. Still has not been fixed. They applied for me some kinda of loan through the bank. The bank just reported to my credit 30 days past due even though the merchandise from the company is not usable. How is that legal to sell broken items and be charged for it???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my old macys credit card in the beginning of may they made all these excuses not pay my credit balance refund I finally called about it and they say I have to wait or keep transferring me to Citi bank who says they owe me the money and legally have to get me my check mailed within 7 days of my request they cancelled it when I payed off do I cant use they wrote me emails saying they are sending my refund in the mail and also sending me electronic gift card at my request they have to send me all mom money they have had its all this time when finally they said they mailed it they then say its linger I have to wait I dont they have had wrll over days to my payments to post or not they owe me {$14000.00} on one and {$5000.00} its so much money theyve had way too long I want all my money sent to me in the mail as they. Wrote to me on XX/XX/XXXX that it would be mailed and I would have within 17 days and I dont have my checks I want all my money today please have it mailed like they told me they were

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 2018-07-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report.

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a refund on my charge card, in turn I transferred a portion of the refund amount to my checking. Days later I saw there was a cash advance fee of {$27.00}. 
Why was I charged a " fee '', when using my own money? 
XX/XX/23 Spoke first with XXXX then with XXXX with Truist. XXXX submitted form to have the cash advance fee removed. I checked back on Thursday ( same week ). The fee had not been removed. Informed by XXXX on XX/XX/23 that fee could not be reversed. I submitted a letter to the Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. No response.

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 2023-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/202XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposit a check in amount of {$30000.00} in my account at JP Morgan Chase Bank. On around XX/XX/XXXX I lost access to my account thru mobile banking app without any notices. On XX/XX/XXXX I spoke to bank teller where I deposited the check to find out why I was not able to access my account info. I was told that my account was closed and no other explanation as to why it was closed. I was given a phone number to call to find out more info. Same day I called that number and was told that my account was flagged for fraudulent activity after I deposited the {$30000.00} check. and they failed to verify the person/business who have issued that check. I gave them the phone numbers of the person/business who issued me that check. and they refused to call that numbers to verify because it does not match in their system. The check has been cleared and money is already withdrawn from the person account who issued me that check. Chase bank is holding that money hostage and refused to release those funds to me till they can verify the check or refused to deposit the money back to person account where it came from. They also failed to give me any kind of time lines to how long it will take to resolve the issue and I am in desperate need of money to pay my mortgage and other bill. I had spoke to Chase branch Manger and call the chase customer service multiple time since XX/XX/XXXX and still there is no resolve. Please Help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My conventional home loan with the previous loan company XXXX XXXX  transferred to Mr Cooper at the end of XXXX. By then, I had already paid my monthly amount of {$1700.00} for the XX/XX/XXXX deadline to XXXX XXXX ( and an additional {$250.00} principal payment ). See screenshots with the previous loan company attached. However, Mr Cooper took over the loan XX/XX/XXXX and still has not reconciled for the missing {$1900.00}. I have paid for XXXX mortgage twice now, as well as XXXX 's payment, as I wait for the amount from XXXX XXXX  to reflect with my mortgage with Mr Cooper. 

I have attached my three emails to Mr Cooper 's ResearchIncoming Email account, which their chat associate directed me to use. Mr Cooper said the amount of approx. XXXX XXXXXXXX would be reconciled by XXXX and I have heard nothing back from them. They have currently disabled their Chat feature on the website and I sent them a XXXX XXXX  asking for help, to which they gave no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Credova Holdings Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My contract was with Credova. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX XXXX XXXX XXXX XXXX Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and many other times I have disputed this information because the inquiries on my credit reports are fraudulent and were not made by me. I am a XXXX veteran and I have not tried to buy a vehicle since XXXX. I did not try to buy a vehicle in XXXX or XXXX nor XXXX! Nor have I applied for any credit! 

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have contacted these companies individually and they keep redirecting me to the credit bureaus and the credit bureaus wont even investigated it!

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 2023-04-24
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries that I know nothing about, never done or used. Do not belong to me XXXX. DATE XXXX XXXX XXXX  DATE XXXX XXXX XXXX XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX. DATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NM
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021

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 2022-05-18
Company: Experian Information Solutions Inc.
State: MD
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, 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 Also hard inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX  All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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