BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I wanted to not agree to terms of service to receive a refund for IRS EIP money ( Paper check desired instead ). Tried to call customer service on card but there is no way to refuse terms of service or speak to representative. Activation of card is the only option. In an effort to talk to a person to request a refund I had to activate the card and then no customer service option was even offered. There is no way to contact customer service to request a refund, card activation is the only option.

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My bank put a flag on my account for security reasoning and after verification, a hold was placed on a state funded unemployment check. I no longer have access to the funds I depend on to afford my daily expenses. The reasoning I was given by XXXX in Customer Protections is she isnt sure if the check would clear. Is there any assistance you can provide?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-06-07
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This message is in regards to an error from Mr.cooper mortgage loan company formally known as nationstar mortgage. 

The company 's website prompt accepted a monthly payment reflecting principal, interest, escrow, and additional principal payment. 

This payment was submitted XX/XX/XXXX - payment is {$1700.00} plus an additional {$500.00} principal payment which is entered separately in another prompt. 

Total is {$2200.00}, However mr.cooper mortgage applied the payment as a sole principal payment incorrectly and was unable to explain how or why it happened. 

On XX/XX/XXXX this issue was noticed when the complete payment history was reviewed after a payment was made. 

Cooper mortgage then reversed the payment of {$2200.00} into the intended payment of {$1700.00} plus an additional {$500.00} principal payment. 

The issue is that there were 3 payments made + 3 additional principal payments of {$500.00} total of {$2300.00} principal and {$1500.00} additional which comes to {$3800.00}. The balance of the mortgage is {$120000.00} as of XX/XX/XXXX when the error occurred. 

The balance should be XXXX however on the website the balance reflects {$110000.00}. so the problem is {$790.00} is missing from payments. 

A representative / supervisor submitted the information to billing for further inquiry. Her name is XXXX and extension is XXXX on XX/XX/XXXX. 

I am awaiting contact from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had mortgage with Nationstar ( now Mr Cooper ). We struggled to make payments were behind by about XXXX. We filed Bankruptcy and paid about XXXX to attorney to save our home. Today we received a letter stating Mr Cooper found a way to save us money our interest rate will be lowered to 4.275 %. ( This is the rate it should have been for years ) but now they are lowering our payment to XXXX from XXXX and XXXX will go into no interest deferred account. We have a lawyer looking at this before we sign but I feel we paid for Bankruptcy fees and they had errors also our lawyer said where is our interest for all that we paid and where is our interest for this XXXX. I feel someone should review our account because they have cost us a lot of money and it is wrong. Please look at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Navient Solutions, LLC.
State: GA
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 noticed that their was an incorrect reporting on my XXXX credit report. This negative reporting according to XXXX 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XXXX I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact XXXX  and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, XXXX only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted XXXX 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : XXXX, XXXX : XXXX, XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-03
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I hired XXXX XXXX XXXX  ( XXXX XXXX XXXX to fill in cracks and resurface my driveway. Mr. XXXX quoted me {$400.00} for completion of the services. When the work was completed for the day, Mr. XXXX informed me that the driveway required more work than what was anticipated and that he would have to return to apply another coat. We agreed that an addition {$200.00} for a total of {$600.00} would be a fair price, and that he would return XX/XX/XXXX to complete the job. In good faith, I paid Mr. XXXX the {$600.00} using my XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to get Mr. XXXX to return to complete the job, he ceased responding and was not heard from again. The job was left unfinished ( See photos ). 

It was at this point that I filed a claim with Barclays and was informed that they would investigate the claim. Initially, {$200.00} was credited to my account on XXXX XXXX. I was never notified about any additional information concerning the dispute. On XXXX XXXX, I was rebilled the amount of {$200.00}. Again, I was not notified about this. Upon examining my credit card statements in XXXX, I notice this rebilling and immediately called Barclays. I was informed that the case was closed and that I would have to write another letter to have this dispute reopened.

It wasn't until after I had contacted Braclays until I received the notice of rejection in the mail. Upon examining the documents, the merchant supplied Barclays with an invoice that is not even related to my case. I sent notice to Barclays with additional information including photos of the unfinished work, the correct invoice indicating that he would return to complete the job on XX/XX/XXXX and that there was a two year warranty on the work, and XXXX pages indicating that the merchant has a track record of taking money from customers and not finishing work. The merchant never returned and will not answer calls. On XX/XX/XXXX, I received notice that the dispute was outside the permitted timeframes and that I should continue contacting the merchant directly.

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 2021-02-23
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Okay so on XX/XX/XXXX I called the company that Services my mortgage loan to ask why they are trying to charge me close {$1900.00} US dill in deficiency escrow account I advise them that I've been paying my bills on time taxes have not gone up more than {$70.00} in 2 years and my insurance probably went up {$100.00} in the past 2 years so this is not adding up. 
They kept giving me the runaround transfer me to XXXX different departments without giving me any real concise credit of what's Happening therefore I feel they are stealing from me and they are paying the taxes late and charging me the late fees and whatnot

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 2023-05-19
Company: Experian Information Solutions Inc.
State: NY
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:
For the past three ( 3 ) years I have been disputing with Experian about my credit report. I have pointed out the the inaccurate information they are reporting and asked to update the information or delete it and they continue to report it as " verified ''. My credit report is missing data on an account, re-aging of dates, and have an address listed that i have never lived there. Experian have violated the Fair credit reporting act ( FCRA ) section 1681i. I'm asking you to investigate this matter.

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 2021-10-01
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer and protected by federal laws. Credit Corp solution is violating my consumer right under Title 15 USC.

Under 15 USC 1692g credit corp did not validate any debt.

I was contacted multiple times confirming that it was a debt collector and they attempt to collect a debt.

Violation of 15 U.S. Code 1692c -a.1 I was harassed and abused by multiple people calling my phone and threatening me. 
Violation of 15 U.S. Code 1692d - Credit Corp employees falsely represented the corporation mentioning they are handling and personal and business matters to get in contact with such person.

Violation of 15 U.S. Code 1692e.

Credit Corp Solutions is in violation of 15 usc 1692 b. ( 5 ) Credit Corp Solutions is in violation of 15 usc 1692 b. ( 2 ) Credit Corp Solutions is in violation of 15 usc 1692 f. ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Ilogged into the app end of XXXX and paid what was owed. Around {$500.00}. 

Mid XXXX I received notice about help with making my mortgage payment. 

I immediately logged into the app - shows payment for XXXX still owed. I logged into checking account. The payment never posted. 

I know I made my payment but attempted to make another payment through the app yesterday. Showed payment pending. 

This morning, I checked my banking account and nothing posted or is pending. Their app does not show payment pending Attempted to call. Phone disconnects after putting in last four of ssn. Attempted multiple times. Pressed pound, it disconnects. Called every other number I could find. Disconnects. 

I do not know how to speak with anyone, and I have not received any calls or voicemails from them either. Which, I would think they would be calling if my payment was missed. 

Ive worked too hard to raise my credit score for this nonsense to set me back. Paying my mortgage should not be an impossible process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

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 2023-05-19
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: Was not notified of investigation status or results

Complaint:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

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 2021-10-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
CBNA with account XXXX is discriminating against me and is using its power to have incorrect and false information regarding this account on all three credit bureaus. This account was paid years ago. According to the FCRA and Arizona Law this account should no longer be listed or reported on any of the three credit bureaus. They are listing it as delinquent even though it is paid. This is causing me to have a lower credit score because of the false information this company lists on my credit 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 2021-10-01
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were exiting a COVID forbearance in XXXX, and we completed our three trial payments from XXXX, XXXX and XXXX. After that the default was not cured and our modification was not closed. We continued to make payments and have not fallen behind. However my modification is still not complete, 90 days after the trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I currently have over XXXX Chase Ultimate Rewards points, which are worth at least {$7500.00}. 

Around XX/XX/2018 ( 4 months ago ), when I tried to access my Chase Ultimate Rewards account ( or even activate the 5 % bonus on Chase Freedom ), I would get shown this page that says " We are unable to complete your request at this time '' ( image attached as well ) : XXXX : XXXX At first I thought it was just a temporary error ( which isn't uncommon for Chase ), but after 2 weeks this was still happening, so I called customer support. They opened a ticket, got escalated to their tech team, but when I would call back to find out what happened, they told me that the case had been closed. This happened 3 times, and each call has taken a lot of time to explain the situation and verify a bunch of information. 

Going from ultimaterewards.com and chase.com have the  same result. 

I'm not able to use these points by phone either, because the operators for the Travel Center are not able to access my account/points neither. 

I've tried every browser, both XXXX and XXXX computers, and the XXXX Chase phone application. They all send me to the page that says " We are unable to complete your request at this time '' On XX/XX/XXXX, I looked up some people that work in Ultimate Rewards on XXXX, and cold called a VP of Customer Relations. He acted like he was helpful at first, and we exchanged some emails. He eventually said I can buy a flight/hotel using Chase Sapphire and if I give him the details, he will deduct the appropriate points and credit my credit card for the purchase. 

Long story short, he wasn't able to fix anything. 

I can see that I'm still collecting points, but I haven't been able to access it. 

I travel a lot, and it's become a huge inconvenience that I'm not able to access these points which I intended to use for travel. I need to get this issue resolved ASAP.

Company response to consumer: Closed with explanation