BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX regular payment made {$780.00} mis-applied to principal XX/XX/XXXX regular payment made {$780.00} mis-applied to principal both mis-applied by servicer as principal balance reduction. I calledXX/XX/XXXX ( 12 min call ) and XX/XX/XXXX ( 26 min call ) requested twice for corrections. I followed up on XX/XX/XXXX ( 5 min call ) and was told had to be transferred to someone else ( another 8 min call ) I was assured this was corrected and corrected 1098 would be sent out. XX/XX/XXXX, got the same 1098 in the mail again ( not corrected ) another call ( 23 mins ). I was told this time not corrected and will now take another 30 days and they make lots of errors. ( they do ) I am not able to determine on their website what is the last payment applied nor see any of my payment history, but each time I sign into my acct it prompts me repeatedly to go paperless. ( That way i'd never know what they are doing ) Also they failed to pay my hazard insurance {$2000.00} causing cancellation of my insurance XX/XX/XXXX. I called them to advise and they paid it twice. {$2000.00} & $ XXXXThis also caused my escrow account to go into the negative. My insurance was reinstated and I was sent the overage and paid it back into my escrow account XX/XX/XXXX. I need this all corrected prior to my annual escrow analysis being done in XXXX as the mis-applied 2 pymts will cause further shortage in my escrow acct resulting in higher payment thus another mess to deal with. I want my 1098 corrected like yesterday to include those 2 payments paid in XXXX and a statement to SHOW the corrections and the funds XXXX and XXXX applied as regular payments back dated to XX/XX/XXXX and XX/XX/XXXX. It seems every time I call I get a different made up story oh I can't get into my back office right now to see? ( LIAR- made up XXXX please don't insult me ). I asked for escalation tonight XX/XX/XXXX and was told they can't do that? This is causing undo stress an anxiety on me for multiple errors this company has made. I'm a senior citizen now and should not have to deal with this stress or repeated calls to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to express my immense frustration and disappointment with the customer service provided by American Express in relation to my Hilton Honors Credit Card, which includes the XXXX XXXX benefit. I have encountered a critical technical issue with the registration of my XXXX XXXX, and despite opening four separate cases with Amex in the last five weeks, I have yet to receive a satisfactory resolution to this matter. The first case was initiated on XX/XX/XXXX ( case number XXXX and XXXX ), and I was initially told that it typically takes 7-10 days to resolve such issues. However, it has now been well over 5 weeks, and I have not received any updates or progress reports from Amex regarding the status of my case. This is not only unacceptable but also extremely inconvenient for me, as I rely on the benefits associated with my Hilton Honors Credit Card, including the XXXX XXXX. When I called Amex seeking assistance, I was met with further frustration. The customer service representatives could not provide me with a specific timeframe for when the issue would be resolved. I was simply told to wait, which is not an acceptable response, given the extended time it has taken to address my problem. Furthermore, there was no offer of any alternative solution or workaround to mitigate the inconvenience I am experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9..Validate Account XXXX Account Number : XXXX Please remove it from my credit report 10..Validate Account XXXX Account Number : XXXX Please remove it from my credit report 12. .Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 13.Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a JP MORGAN Chase freedom card on the XXXX of XXXX. I was denied I asked a agent why was I denied, I was told I would receive something in the mail to the reason I was denied. I never received a letter at all. I called J.P Morgan Chase again on XXXX the XXXX, XXXX  and asked again why was I denied and I still haven't received an adverse action letter and they were violating the law. The agent I spoke to from J.P Morgan Chase bank said they would review the application again while I was on the phone. The agent then asked me for my social security number again, but said they could not approve me because the things I had on my credit report. Also J.P Morgan is in violation of truth and lending and the equal credit opportunity act especially since my credit card ( social security card ) was used and I received no benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MS
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 non-monetary relief
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account number : XXXX ( XXXX XXXX ) Account status : Closed Date opened : XX/XX/XXXX Account type : Cell Phone Balance : {$200.00} Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account number : XXXX ( XXXX ) Account status : Closed Date opened : XX/XX/XXXX Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account type : Utility Balance : {$180.00} After a recent review of my Experian credit report I noticed the two accounts listed above that are in collections. I had no knowledge of these accounts, I had no accounts with XXXX during the time of the accounts and I believe they were opened fraudulently or is simply an error. I have filed a identity theft report with FTC and have been reaching out to the companies thats reporting this information.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$38000.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-11-06
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The bill was never run through my insurance. The company is trying to charge me the full amount. The attached document shows that my insurance was not billed for this. It is just the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Park Hill Holdings
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was a pervious rental with progress residential. Me and my family moved out XX/XX/2023. A case was filed on XX/XX/2023. I talked to XXXX XXXX around XX/XX/2023. Informed her that me nor my family lived in the property. Per my lease ledger my move out date was XX/XX/2023. The case was never to be filed unfortunately the company did not communicate with the attorney. The default judgment was placed XX/XX/2023. The company filed a motion to set aside the judgment on XX/XX/2023. The order was granted XX/XX/2023 which eventually led to the case being dismissed.

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 2023-10-11
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX DRS appeared on my credit report. I had no knowledge of the debt. I didn't receive any type of correspondence from them. According to the fair credit reporting guidelines they are supposed to notify me of the debt and give me a chance to pay before trying to destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Selene Holdings LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This company sold me on a mortgage modification. On XX/XX/20 I paid them {$1300.00} was my first full payment after giving them a {$500.00} deposit. Went on the FTC website and found out that it was illegal for them to take money from me until a mortgage was confirmed. I sent multiple emails providing FTC information and asked that money be returned. I left many phone calls and sent text messages to XXXX ( no last name ) and XXXX XXXX ( Billing ). Email messages sent to XXXX XXXX with many phone messages left with no return calls. My mortgage payment record has been perfect up to this date for the last 4 years and I informed them of this early on. They should be accountable for bringing my account current, including any penalties and late fees and report their negative business to the credit bureaus. I can produce copies of emails and text messages as well as proof of payment XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called XXXX spoke to Zelle Agent XXXX he remoted into my bank account thri XXXX  while talking he called me from XXXX. Asked me to go to Transfer money to XXXX XXXX at XXXX. Then he opened my XXXX XXXX, XXXX & XXXX XXXX when I realized he was scamming me after he asked for my XXXX account. Told him this was not normal why he was doing this when I told him I was a victim of identity theft. He immediately hung up on me. Called him back and supervisor who answered said he was with another client

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting 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

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 2023-02-15
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My husband and I had been strugglling with finances and made partial payments on our mortgage in the latter part of XXXX. We entered into a HAMP Program late XXXX XXXX early XXXX XXXX and had a temporary status while we paid less each month for three consecutive months which were XXXX XXXX XXXX. This was paid on time each month and them we would be approved. I paid them on time and then in XXXX when selling our house I found these payments were posted as late payments. When I spoke to Nationstar about that they informed me that was the trade off. Please help me get these removed from my credit. I had no idea gong into the HAMP program that this was the way it worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Investigation took more than 30 days

Complaint:
Information on my credit report was not validated in time 45 days after sending multiple dispute letters to the credit bureau. The Fair credit reporting Act was violated

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 2021-07-08
Company: Direct Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Direct Recovery Services LLC took {$210.00} from me for XXXX XXXX. XXXX XXXX confirmed that Direct Recovery Services LLC isn't the debt buyer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I suffered a hardship in XXXX of XXXX. My father passed away, I paid for the funeral and then shortly after I lost the tenant in my apartment. I kept the mortgage company Nationstar aware of what had happened and asked for some understanding. The mortgage was not paid XXXX, XXXX & XXXX of XXXX. In XXXX XXXX I got a new tenant. I immediately sent a payment for XXXX & XXXX and advised them that starting XXXX XXXX I will send the regular payment & and additional {$500.00} a month until the 3 months I originally missed were paid for. Nationstar sent both payments back to me. They said either give them the entire 5 months plus late fees, attorney fees etc or they are starting foreclosure. They said my only option was a loan modification. I asked " what if I am not approved '' the loan specialist on their recorded line said " you will be approved for something I just do n't know what ''. So here we are 11 months later with a tacked on {$5000.00} in attorney fees, I am denied with no other option but to try and borrow {$16000.00} to make this loan current. The denial was because it 's not my primary residence & they will not accept all my income. Even though they asked me to send in my contributor package twice with my husbands income. They denied my application after 11 months stating that the only income they will accept to show all my expenses is the rental income. The big issue here is that they knew from the very beginning that this was a rented property but racked up {$5000.00} in attorney fees and late fees dragging me along when there was absolutely no way I was getting approved for a loan modification. So now my attorney fees, late fees etc. cost more than the original three months I was behind. It would have taken me 6 months to bring the mortgage current yet they intentionally strung me along so they could rack up as much money as possible leaving me no other option. The worst part is that everything else, taxes, 2nd mortgage and HOA fees are all current. The 2nd mortgage company XXXX took the 3 months missed and put it to the back of the loan, they immediately worked with me due to me never missing or sending a late payment in the last 10 years that I have had this mortgage.

Company response to consumer: Closed with explanation