BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Re  : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX Investment Account : XXXX PSA : XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2, current owned by XXXX XXXX under PSAs name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qualified Written Request Dear XXXX XXXX : On XX/XX/XXXX the undersigned filed a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) to XXXX XXXX XXXX , XXXX XXXX ( XXXX ) which falsely claimed to be the mortgage note holder of our mortgage loan at the above address. I dispute the ownership of the note and amount owed. 

The complaint was responded by XXXX XXXX to the CFPB saying the complaint do not belong to them. But failing to responded to the complainant, as it is required. 

When CFPB allow this improprieties happen, it deprived Complainant from have access to vital information that is need to solve this matter. 

This matter can not be solve without a written responded from XXXX XXXX 

Since XXXX, False claiming have been made that XXXX XXXX XXXX is the holder of the Note of my Mortgage. 

Evidence show that XXXX XXXX is not the Trustee of the Mortgage since XX/XX/XXXX. 

New evidence show that XXXX is not Trust of the Mortgage according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA ) XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2 Asset-Backed Pass-ThroughCertificates XXXX  2006-FM2 was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trust 2013-C7, which consolidated different type commercial and residential pooling Servicing Agreements. 

THE FOLLOWING INFORMATION IS REQUESTED IN WRITTEN : 1. copy of all evidence, allonges, blanc endorsement of the note that XXXX as the note holder of the above mortgage. 

2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 

3. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect, that and that the current Trust is XXXX XXXX, no XXXX XXXX XXXX. 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. 


Sincerely, XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX cc : Middle District Bankruptcy Court case # XXXX XXXX County Court case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was charged {$860.00} for an auto bill pay that I never authorized. I have never paid my credit card this way. So I called Wells Fargo to complete a payment reversal on my account on XX/XX/XXXX, they mentioned that it would take 3 business days for this action to be completed. It is now 4 business days and they are suddenly changing their tune and have not given me back my {$860.00}.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living XXXX XXXX. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion permission to furnish these accounts. Account # 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 2023-03-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi at XXXX XXXX XXXX XXXX, XXXX IL On XX/XX/XXXX I opened a Citi Business checking account, deposit new-to-Citibank funds within 30 days, maintain balance for an additional 60 calendar days and receive a cash bonus. Cash bonus to be credited to your account wilthin 90 days from the month you complete the required activities. 

Account opened XXXX XXXX XXXX 
XX/XX/XXXX, {$50000.00}. deposited XXXX XXXX, {$54000.00}. deposited Had over {$100000.00} in the account till XXXX, account is still open. 
Called Citi In XXXX, was told my bonus would post by XX/XX/XXXX. 
Called in XXXX answer was they would look into it. Emailed and called in XXXX, still looking into it, and XXXX, no answer in XXXX at all.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: OH
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DID NOT GIVE AUTHORIZATIONS FOR COMPANY TO RUN MY CREDIT. I DID NOT APPLY TO THESE COMPANIES, HAVE NO OPEN OR CLOSE ACCOUNTS WITH THESE COMPANIES. THEY ARE DAMAGING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: On Q Financial
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
InXX/XX/2021 we applied for a FHA mortgage to purchase a home. We were lease with an option to purchase. We applied to the mortgage company On Q Financial and within 2 weeks we received the news that we were approved to close on the existing home we were leasing account XXXX XXXX XXXX. We proceeded to pay {$410.00} for a residential appraisal. Two weeks before the scheduled closing date our loan officer told us that we were not approved for this home because the Debt to Income was too high. He then told us that we were approved to {$270000.00} to go start looking. We found a home and put down earnest money of {$1000.00}. We received an approval letter from On Q Financial that everything was good to go and we were guaranteed to close. We then proceeded to pay {$580.00} for a home appraisal and {$350.00} for a home inspection. We were informed by the companies that this fee was nonrefundable so be sure we have in writing our approval letter and green light from the mortgage company. We were told by our loan officer with On Q Financial that we were approved in writing. We did not close on the scheduled date and we had to extend the date because the funds were not at the attorney office. We then paid an additional {$250.00} earnest money to hold the property for us to close. We were informed by the Loan Officer with OnQ Financial that the loan would not be approved 3 hours before closing. Can we please see to be refunded by On Q Financial the amount that we lost under the false approval letter that was given to us! We would not have paid {$1200.00} earnest, {$580.00} for a residential appraisal, and {$350.00} for a home inspection if we knew the truth from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortage is with Movemement Mort. We began a hardship in XX/XX/2018. We recv. a letter in the mail from the US treasury asking if we needed help. We reached to the State NC that helps with assistance. They referred me a local counseling company ( XXXX in XXXX NC ). We sent all paperwork and spike with via conference call. We made several attempts to contact the company just to get a follow-up, see if they needed any more information. ( once we finally get to speak with someone. They said they not could help because my husband find a job once he lost his other job. 

2. We started reaching out to the Mitigation department ( servicing Company ) Starting in XXXX We spoke with them and gathered all information and faxed to them. 48 pages Never heard from them. We called them back 3 weeks later, They stated that there were pages missing from the fax. The only got 10 pages not the entire 48 pages. ] b. We faxed once again, They stated there was bank statement that had a 2nd page and that we needed to fax again.

c. My husband at this point is concerned that because of what we look like they were at this point playing games. He proceeds to scan the documents in and email. 
d. XX/XX/2018 We both call the Mitigation department because my husband tried several times to make payments but they wont not take money. We spoke with there customer service Representative and first she started the conversation off with, We haven't recv. the information that we requested, but I do see the fax dated XX/XX/2018 and once we started asking about the XXXX fax she started to do a little coughing. It was very interesting conversation. She then stated that she saw the fax and that the young lady that handles mitigation has a not that she only got 3 pages. We have all copies of fax transmissions and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Name of Account : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN XXXX XXXX I NOTIFED CAPITAL ONE THAT I HAD COVID IN WAS HOSPITALIZE I WAS TOLD BY TWO REPRESENTATIVES THAT THEY COULD WORK WITH ME. THEN SHORTLY AFTER I LOSS MY JOB. I NOTIFED CAPITAL ONE OF MY FINANCIAL HARDSHIP ALONG WITH THE FRAUDULENT CHARGES ON MY ACCOUNT BUT NOTHING WAS DONE. IVE CONTACTED CAPITAL ONE A TOTAL OF XXXX TIMES WITH NO RESOLUTION JUST SPEAKING TO RUDE CONTACT REPS THAT DIDNT WANT TO HELP. IM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT UNDER THE CARES ACT WITH A ZERO BALANCE. IVE LOST SO MUCH DURING COVID IN IM JUST NOW GETTING IN A BETTER PLACE. IN GETTING A HOME FOR MY FAMILY THIS ACCOUNT HOLDING ME BACK. IVE TRIED SO MANY TIMES IM BEGGING FOR HELP AT THIS POINT. THIS HAS CAUSED ME TO SUFFER HUMILIATION AND EMBARRASMENT ALONG WITH EMOTIONAL DISTRESS. CAPITAL ONE IS VOLIATED 15 U.S.C. 1692 ( C ) OF THE FAIR DEBT COLLECTION PRACTICES ACT BY HARASSING ME REGARDING THIS. IVE SENT IN A TOTAL OF XXXX LETTERS TO CAPITAL ONE NO RESPONSE. 
The below listed account was charged off in ( XX/XX/XXXX THAT WAS WHEN THE FIRST CO APPEARED ). This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

*Proof is Enclosed Dates Account Reported CO : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX That I attest that the foregoing statements and the submitted supporting documents are true and correct to the best of my knowledge in this affidavit. 
PLEASE HELP ME. 

I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT FOR THESE XXXX REASONS AND MULTIPLE VIOLATIONS, CAPITAL ONE IS AWARE OF THIS ISSUE IN HASNT ONE TIME TRY TO CORRECTED IT. 
Name of Account : Capital One Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
One of the problems is constant calling even after payment has been made ; all day every day, 7 days a week. I have made agreements with them, and they continue the harassments, they always act as if we had no agreement or not honor a request to change pay date, after they let me know that i could change the due date after a certain period of time. There is always an excuse as to why they can't do something to work with me. The truck they are financing is just over a year old and just a few months before the year ended, the engine went up, Westlake, the finance company also owns the warranty company ; XXXX engines late and over a month of waiting for my truck because the warranty company sent a bad engine. I complained to Westlake, they showed no interest that the vehicle they finance was not in good shape to be sold, this is along with many other serious issues the dealer found while installing the engine that did not happen with me. One problem after another, and not much assistance from Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My ex-husband used my debit card to sign up for an emulator through buildsXXXX  ( on the bank statement, it comes up as rainbowpixel ). I have contacted them multiple times and they said they have blocked them however I am still being charged. I have changed my card multiple times and I am still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Personal information incorrect

Complaint:
I looked at my consumer report and I noticed some inaccurate information on my consumer file. As pursuant to 15 USC 1681e ( b ) consumer reporting agencies must prepare a report that is accurate to the max. They have been in violation to my consumer rights. On my Transunion file, I am seeing incorrect addresses that I have never lived. I want this to be removed immediately. 
see attached containing proof of identification and proof of residence. 
Remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Reported XX/XX/XXXX These are erroneous.

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 2021-07-06
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent out a letter to NORDSTROM CARD SERVICES concerning my credit report. Due to suspicious activity on my credit report. I simply asked NORDSTROM CARD SERVICES to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: MA
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA 15 USC 1681 everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : 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