BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( mortgage lender ) is trying to extort and destroy me. My mortgage was transferred from XXXX to Select Portfolio Servicing during the summer of XXXX. I received a letter stating that payments paid to XXXX during the transition would be transferred to SPS. Since XXXX, SPS has been falsely reporting that I failed to make two payments during that time and my credit has suffered due to their negligence! I have an official letter from XXXX, dated XX/XX/XXXX, stating that payments for the amount of {$1200.00} during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were forwarded to SPS. I have a letter from XXXX  XXXX XXXX. dated XX/XX/XXXX, listing the dates, amount, and electronic transfer numbers of all payments made to XXXX and SPS from XX/XX/XXXX to XX/XX/XXXX. SPS claims they did not receive the payments for XXXX and XXXX of XXXX. SPS has been sending people by my home harassing my family, sending threatening letters to foreclose, and tacking bogus late and legal fees to my account. I HAVE NOT MISSED ANY PAYMENTS OR PAID LATE TO XXXX OR SPS!! SPS continues to be paid, TIMELY, by me every month, BUT, they are allowed to bully me financially by sabotaging my credit. I have consulted with a law firm who has reached out to SPS with sufficient and credible documentation and they wont budge. They referred me to CFPB as a credible remedy before they take my retainer to pursue SPS in a court of law! I know CFPB is well aware of SPS and its tactics. I hope you will fight for me in this matter because I did not ask for my mortgage to be sold, and it is not my responsibility to make sure that one lender pays another. I have proof that the money was paid, and I should not be punished for the greed and incompetence of predatory lendors!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX at XXXX I deposited an insurance check from XXXX which was XXXX. XXXX The Location for the XXXX ATM I used was XXXX XXXX XXXX XXXX XXXX, MN XXXX I did not get a receipt or any other information from the ATM they had just taken my check, then had an error sign appear after my session with the machine saying deposits were unavailable. 

I had called XXXX the next day and had to be with several associates, they stated that it might take a few weeks, however I haven't gotten an email or anything of that nature about our session.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit 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:
On XX/XX/XXXX I contacted Chase to ask if I could transfer XXXX reward points from my Chase Sapphire Card to my Chase Marriott card and close my Sapphire Card. Chase account rep said it would not be a problem. Two days later, the transfer was not completed and the points were returned to my closed account. I was not notified by Chase that the transfer did not go through and I didn't catch this until XX/XX/XXXX. I contacted Chase and they said I had 30 days to use my points on a closed account. I explained that I closed the account based on the advice of the Chase account rep and would never have closed the account with XXXX points. I spoke with XXXX in XXXX. I then followed up with XXXX in XXXX on XX/XX/XXXX, XXXX and XXXX on XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX. Everyone was extremely nice and everyone said they would handle it because it was obviously a Chase mistake. The follow up from each phone call was sporadic and extremely slow. XXXX was the only one that actually said she would call me with a response and she did. I then forwarded my concerns to Chase Executive in XXXX and was turned down by XXXX due to my request being over 180 days old. I explained I have been dealing with their customer service for well over 180 days. I then filed a complaint with the Better Business Bureau and spoke with two more Chase Executive employees in XXXX. Both said they could not do anything due to it being over 180 days. 

Bottom line, I closed my account solely based on the advice from the original Chase representative. Chase did not fulfill their commitment and I was not notified of their failure. When I contacted Chase about this problem, I was then misled by 5 employees, over a 6 month period, that felt Chase would be able to correct their mistake.

Mistakes happen. In my eyes, this appeared to be such an easy fix for Chase that would not cost them a dime to correct and regain a loyal 20 plus year customer. Boy was I wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX after suffering a XXXX  XXXX. I have difficulty with XXXX  communication and Shellpoint mortgage first completely refused to communicate in email/writing with me. " it takes too long to type answers ' was the response. I believe this is a violation of ADA laws? 1 ) they did not notify me that my forbearance period ended in XXXX. 2 ) their website still shows I am in forbearance and will not accept payment or partial payment ( I have recorded all of this ) 3 ) continued emails and communication on their site was completely unanswered over the months since covid hit and they reported me as late to credit bureaus when I was in forbearance 3 ) the representative assigned to me now Mr. XXXX is completely dismissive of my medical condition and literally sent me an email 'good news, your request for forbearance extension is denied '. How nice of them. I had provided no information so how do they deny this? 4 ) they were to allow me to put the missed payments at the end of the mortgage and now they say they can not do that and I owe over {$6000.00} to bring it current and avoid foreclosure. My ex husband still appears on the mortgage in spite of his part being dismissed in his bankruptcy and shellpoint will not remove him in spite of a legal obligation to do so. 

I have had this mortgage since 1997 and have endured much hardship but have restored my credit and now face this. It is unconscionable to me that they won't ' even allow me to make payments online and all but insist I talked via phone in spite of my XXXX to do so. They are requiring I mail a check ( which I don't have as all my payments are always online ) or send a XXXX ( which I don't feel is secure and have seen money disappear for 90 days in that system ). Seems I'm not the only one as I see they are at the top of the complaint list every month. This company should not be in the mortgage business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
American express I have informed them that i didnt apply with them for a credit card an nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
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. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-08-22
Company: Atlanticus Services Corporation
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
At some point in XX/XX/XXXX, I called my credit card company, Fortiva, and reported suspected fraudulent activity on my account. After two hours had passed by, I realized that I had made the charge and it wasn't fraudulent. I called Fortiva to tell them this two hours after I had called the first time and they told me that it was too late to take the claim back and that I would have to wait seven to fourteen business days for the replacement card. I understood and actually appreciated the security reasons behind that.

Fourteen business days passed and I never received the replacement card. I again applied for a replacement card online and selected the rush delivery option that would cost me {$25.00}, but I am in need of the card so I was willing to pay the fee. I ended up calling the company again anyway and I was told that they don't offer rush delivery, and I would have to wait up to fourteen business days for a new card. I expressed my dismay and I waited again.

Fourteen business days have passed again, and I still do not have my replacement card. Frustrated and upset, I called MasterCard to report what was happening, and they weren't of much help either. I called Fortiva and reported to them that I was making this complaint to Consumer Finance Protection Bureau and here I am. I was told just five minutes ago that I would again have to wait up to fourteen business days, and I asked, considering the circumstances, if I could have the card rush delivered. I was told I would have to pay {$25.00} and I agreed to that. I feel like I should not have to bear the cost of the rushed card, as this long and unnecessary waiting period is their fault. 

I have never been late on a payment, my balance is virtually XXXX, and I have been making payments the whole time I have been without my card. I am in between jobs and I am waiting to start at my new job on the XX/XX/XXXX, and I need access to my line of credit now! The company is aware of this. I am reaching out because I am convinced that I will not receive a replacement card again. Something has to be done about this. I am a good cardholder and I don't deserve this horrible experience. I just want my card ASAP and I don't want to pay any special fees for it being rushed to me considering the circumstances. I ordered a new card originally in XXXX, and it is almost XXXX. Fortiva tried to tell me that my original request for a new card was some time in XXXX, but that is false. I have no reason to lie about any of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the Fair Credit Reporting Act XXXX account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at 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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX my rent check of {$700.00} was taken out of my account. Directly after that there a NSF taken out of my account as well of {$35.00}. Well the problem with that is there was still {$51.00} left in my account after the {$700.00} came out. Actually after they took the {$35.00} NSF FEE I still had {$16.00} and some change left in my account. So how could I possibly be charged an NSF FEE when there were still funds left in my account after the FEE. NEXT again that was my rent check so I have now racked up {$170.00} in fees due to this illegitimate NSF XXXX! I I Specifically asked for a letter for my front office to see i was not responsible for the money being returned. A letter stating BANK OF AMERICA was in fact at fault ... I have been given the run around about that. As if they can't just email or fax a letter to my front office especially after they admittedly wrongly denied my payment. Admitted this on 2 different recorded calls. After all this stress and XXXX XXXXXXXX I just want my letter stating their error OR for them to cover these fees I've been responsible for due to their ERROR.

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 2023-05-18
Company: RentDebt Automated Collections, LLC
State: TX
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:
under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXXXXXX XXXX. And illegal reporting of charge off credit by rent debt collections LLC. Privacy law violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: A&D Mortgage LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened an account with Square couple of weeks ago so I can charge my clients on my website. I received the first payment without any problem and suddenly I get this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

Any funds currently in your account balance will be held for a period of 90 days and released to you on XX/XX/2021. Theyll be available in your bank account within 2 business days. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They are retaining {$390.00} that I could be using on XXXX XXXX. I have provided them all the information they ask. They don't want to release the money before 3 months. Please help. 


Business Name : XXXX Email Address : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-11-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The issue is with my Line of Credit, I've added documents to show there is a huge problem when you look at the summary of payments for principal & Interest. There are payments made each month. When you look at your payments of Interest, you will see immediately something is wrong ... The payment is not set up to put an amount that is incorrect, or not include a payment of principal or interest. 
The entire payment has always been made & when I actually look at my account, there's some things going on that is affecting my credit & moving forward. I've called trying to get things resolved, no response or I got a call a couple days ago & voicemail was left it could take up to 30 days to get back to me?? That's when I registered with CFPB

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