BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-07-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to pay my mortgage off with Select Portfolio Servicing online and called when I was unable to. I was told they would sent a payoff statement with final amount and payment procedures. I received that letter XX/XX/2021. I went to the bank on XX/XX/XXXX, purchased a bank check in the exact amount the letter stated, mailed the payment with a copy of the payoff statement overnight. My tracking information confirmed they received it on XX/XX/2021. The payoff quote was good through XX/XX/2021. 
The payoff quote consisted of a small mortgage balance of {$180.00} and " other fees '' for a final total of {$1800.00}. I have been receiving phone calls and letters from Select Portfolio Servicing since XX/XX/XXXX because the {$180.00} amount was never applied to my account. SPS has been aware of that error since XX/XX/XXXX. 
To date, they have sent out an Early Intervention Notice on XX/XX/XXXX which led to people contacting us wanting to buy our house which is not for sale. On XX/XX/XXXX, they sent a State Required Information Notice. 
I am worried about our credit rating at this point and have no confidence in resolving this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SOUTHSTATE CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I WENT IN TO XXXX TO USE MY CHECKING ACCOUNT, THE TELLER TELLS ME ITS CLOSED AND WENT TO COLLECTIONS. 

SHE SAID IF I PAY THEM {$180.00} MY ACCOUNT WOULD BE OPEN AGAIN I PAID THE {$180.00} AND SHE SAID " IM SORRY MY SYSTEM IS FROZEN, THERES NOTHING I CAN DO SINCE IT WENT TO COLLECTIONS ' THIS ACCOUNT WAS CHARGED OFF THEN SHE TRICKED ME INTO PAYING THEM MORE MONEY. 

I AM DEMANDING A REFUND OF {$180.00} AS THEY WERE PAID TWICE, THIS IS ILLEGAL AND UNFAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: TX
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:
As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just received a letter from Nationstar Mortgage that I have discussed possible alternative to foreclosure and received an application from me for a foreclosure prevention alternative. This is a lie. I never discussed nor applied for a foreclosure prevention alternative with anyone at  Nationstar. The most ri diculous thing about this is the assertion that it has been denied. Denied something I did not asked for.     When I called my dedicated loan specialist  XXXX   XXXX  on   XX/XX/XXXX  I asked specifically for the status of my HAMP Loan Modification I applied for in  XX/XX/XXXX  that is yet  to be resolved.  Nationstar unilate rally resolved the modification by denying me the modification and try to sweep it under the rug.  XXXX   XXXX  also told me the modification is over because th e Modification Program en ded in   XX/XX/XXXX . I am still in for the Program regardless of  XX/XX/XXXX  deadline. If I am out, then everyone who applied for it before  XX/XX/XXXX  are equally out. Know they in so I mi ne. Nationstar can not unilaterally deny me the modification because it has to be by a bilateral resolution. Is a commitme nt Nationstar has to fulf ill by modifying the loan because  Nationstar sign ed  HAMP Participating Agreement in the past committing itself to HAMP Loan Modific ation Program.     Also, I just received  3 regist ered mails for a foreclosure sale scheduled for   XX/XX/XXXX . They are similar to the ones I received on  XX/XX/XXXX  fro m  XXXX   XXXX ,  XXXX . The letter said please find enclosed advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX    There is no advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX   enclosed in the letter. That is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Account status incorrect

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 2020-07-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business bank account for my company XXXX XXXX XXXX XXXX that i opened and registered with the state of Louisiana in XXXX of 2020. I made several deposits and i also linked an external account that i VERIFIED was my personal account and i am in fact the account holder. I did a balance transfer for {$1000.00} and everything went smooth. I tried to do another transfer for {$8000.00} and Chase did not allow the transaction to go through and FROZE my account to " protect '' me from suspicious activity. I called the Chase number and the representative could not give me any details on why my account is frozen except for the fact that they had to call XXXX XXXX and verify the account holder and the funding. I asked did they do this to everyone and he replied YES. My partner did a bank transfer for {$10000.00}, the next day and everything went through FINE!!!  After investigating this matter i am seeing that Chase is closing most minority XXXX XXXX account holders accounts. They are suspecting Fraud and or illegal activity when account holders are either transferring large amounts or deposing large amounts in their accounts. As we ALL know Chase has been heavy under fire on MULTIPLE occasions for XXXX XXXX and discriminating against XXXX minorities. I do not think it is FAIR and it's also embarrassing as XXXX that Chase bank is suspecting legit business owners of illegal activity. When going inside the bank and submitting required documentation Chase Bank is asking questions in a very aggressive and interrogatory manner suspecting ALL account holders of Fraud. I operate a legit business and have been operating for 3 years. I recently opened the Chase account to have more than one business account. Being in business it's not fun to have your account/funds tied up and you can't have access to them. I could've EASILY agreed to let Chase contact XXXX XXXXXXXX to verify the account but would i have to do that with EVERY transaction? Again, i wholeheartedly believe Chase needs to be investigated for their practices. This is ridiculous! I have no intentions on EVER doing business with this company again but they do need to be held accountable for their actions!!! I honestly believe a class action law suit should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate along with many other inaccuracies. This is grounds for removal, they are violating my rights under : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 2021-07-26
Company: JPMORGAN CHASE & CO.
State: NJ
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:
In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with Chase, XXXX, and XXXX XXXX. 

Chase : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to Chase , no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX  XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXX *XXXX  XX/XX/XXXX - {$300.00} - XXXX  XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( Chase, XXXX, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- Chase offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that Chase did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reached out to XXXX, TansUnion, and XXXX  regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX XXXX all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate 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 2022-11-06
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$88.00} into my credit karma checking account on XX/XX/2022 and the funds arent available, even after being posted by the bank. I called to check why Im not able to access the funds and the representative reasures me it would be availible in 1 hour because of a problem on their end. Currently theyve still not made the funds availible after its been posted and cleared on their end and theyve refused to reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im trying to refinance with Quicken loans. 
I locked in an excellent rate. Rates have gone up since and they are stalling, asking for the exact same things 3-4 times, very slow responses to my ask for clarification, turning off the website area to upload docs required. 
Bait and switch

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NEW ISSUE I am having XXXX  handling my legal claim against Citi and I am requesting all statements from XXXX to XXXX when fraud occurred under my name for the accounts with Best Buy, Citi Costco and Macys to be mailed to me. Respond to the complaint, do not mark this as a duplicate as XXXX needs specific documents.

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 2021-03-10
Company: AFNI INC.
State: GA
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:
On XX/XX/2019, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was awarded two grants from a company called XXXX based out of XXXX, PA to help pay mortgages of families who have been behind from the pandemic. 
They sent two checks paying {$1500.00} each of my {$2300.00} mortgage payment. 

After 30 or so days of my mortgage account not being updated to account for the payments, someone reached out to me and said that they were able to locate one of the checks for XXXX and that the other was possibly submitted to another XXXX XXXX because it didnt have my loan number but that they would rectify the issue. 

On their website it is very difficult to submit a payment that is not in the full amount, whether one-time payment or recurring. I did submit a payment for {$700.00} and was notified later that this calculation was wrong and that I still owed XXXX something dollars. I couldnt Pay this on the website and had to send a money order to do so. This was very inconvenient at the time but I still did it and now they are saying they didnt receive that either. 

That has resulted in me being penalized on my credit report as the first ever late payment. My score went down 60 points. 

I have even had email communications with all parties and my mortgage company fails to give me the proper account credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: MN
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As someone who lives paycheck to paycheck, it is already difficult to make ends meet. Navy Federal Credit Union makes it even harder with their non sufficient funds fee of {$29.00} every time someone tries to debit money from my account that I dont have. Transactions as low as {$1.00} attempting to come out of my account, have cost me hundreds of dollars in XXXX  fees, instead of declining a transaction like they would do if I was in a store and did not have enough money for the transaction they just keep charging my already negative account {$29.00} repeatedly. They dont even pay the charge that tried to come out, which usually is the case with overdraft. So not only does the charge decline, not get paid, I in addition to that owe my bank now as well. Its not right, its not fair, and its creating more debt and less money for bills and food. On top of that they charge an additional dollar for using an ATM that is not one of theirs, so if I need {$20.00}, I have {$25.00}, the ATM charges me {$3.00} for their fee, then my bank charges me another dollar on top of that as what feels like a punishment. These things cost XXXX XXXX nothing, but me the account holder everything. How are these fees legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation