BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my primary house on XX/XX/XXXX with Home Point Financial, aka Homepoint, who is, and was, the lien holder and one of the nation 's largest mortgage lenders and servicers. The auto draft of the prior existing account drafted on the XXXX for {$1600.00}. I called and asked them to refund my XXXX payment and stop the auto drafts. They issued a refund to the wrong mailing address. The payment was returned to them. I called on XXXX XXXX or XXXX and asked where it was. This is the date I learned of the wrong address situation. After talking with a representative from Homepoint, she said they will put a stop on the check that was previously issued and mail me another one to the correct address. 
I called today, XX/XX/2021, and asked about the status of my refund. The 1st rep. said that it was still being reviewed. I asked why, he said he didn't know, just that it was under review still. I told them that I want to talk to his manager or someone that can find out why. He transferred me to the escalation department. She said that no one has looked at it because of the storm over a week ago. I said that someone needs to get on it and overnight it. She replied, that they do not do that. I expressed my displeasure in how they are handling this and that we are not just talking about {$40.00}, we are talking an entire mortgage payment of {$1600.00} and that it has been 2 months. She assured me that she can do nothing to speed the process up, that they will cancel the check ( which should have already been canceled ) and issue another one. It will get to me when the post office gets to it. I asked again for an overnight or a wire, I was denied again. I asked for her manager, she said she will let him know to call me. 
In a time of Corona Virus, forbearance, loss of jobs and hard times for many many Americans, it is sad and frustrating that big companies like this take advantage of their customers, ignore them and treat them like they don't matter. When people can't even make mortgage payments, this mortgage companies hold mine for over 2 months. Would they give me that long of a grace period?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
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:
It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of our agreement back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost 3 years ago so I do not have the whole account number but it is listed on my report as XXXX, the last four digits of my SSN is XXXX. 
We agreed almost 3 years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.

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 2023-04-05
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Monday - Thursday : XXXX - XXXX They keep calling my phone Its harassment I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a saving account with Bank of America and my balance was slightly less than {$500.00} for some time. The bank started charging me a maintenance fee every month. This was happening without my knowledge until my balance reached {$25.00} then they sent me a statement in the mail. I decided to close down my saving account and cash advanced using my BOA credit card to recover my loss. After this, I cancelled my BOA credit cards. I want you to investigate the illegal activities of BOA against customers like me. I could have easily added a few dollars to bring my balance up to avoid penalty. It is the habit of BOA to charge customers accounts without their knowledge. I explained what happened to BOA customer service but they are not interested in resolving the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: RI
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIBANK, N.A.
State: NV
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:
Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Letter dated XXXX claimed to have conducted an investigation using the information provided ( which is attached that CLEARLY STATES THAT THE HOTEL WOULD BE CREDITING MY ACCOUNT in the amount of {$40.00} ) about the dispute and stated that was not enough to support the claim. This is absolutely a fraudulent statement and this continues to be a problem with Citi ( R ) Cards not protecting the consumer.

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 2019-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is in response to Select Portfolio Servicing , INC. ( SPS ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- SPS never addressed the illegal trespassing on private property. 2- SPS 's alleged validation of debt is unacceptable. SPS is a servicer and/or debt collector. SPS is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the Broker 's Price Opinion ( BPO ) provided in the response by SPS , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire BPO is based on the wrong property as described in the mortgage documents. SPS continues to inflate the price of subject property in a fraudulent manner. 4- SPS ' BPO states the subject property has an estimated value of {$100000.00}, yet they forced placed  insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as Select Portfolio Servicing , Inc. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5- On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in SPS 's XX/XX/XXXX response they included a document entitled " Arbitration Rider '' as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and SPS fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert SPS continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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:
The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX  account [ XXXX XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance

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 2021-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested the removal of inquiries that I did not solicit or authorized and I was told that they were facts of records and that they were permissible records. 
The following inquiries I did not authorize/solicit or give permissible authorization to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX. & XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 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 explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraudulent account has been opened under my name : Account name XXXX CARDS/XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$41.00} Credit limit {$9000.00} Highest balance {$1500.00} Terms NA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Here we go again, this is at least the FIFTH time now in a year. Despite lying to both myself and the CFPB that they would STOP mailing their unwanted junkmail solicitations to my deceased father it appears these XXXX  can't help themselves but harass and annoy people. ONCE AGAIN today I received YET another piece of their unwanted junkmail credit card solicitations addressed to my father. I don't now what is wrong with these people and what else to do to get them to STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: GA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a US citizen who moved the UK to attend university in XXXX and have lived full time in the UK from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit. 

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the UK. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called Portfolio Recovery XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/23 - got an email alert from XXXX that Comenity/XXXX made a hard inquery on my credit report XX/XX/23 - received a letter in the mail from Comenity Capital Bank that my XXXX  XXXX XXXX application was being held up until I called them to finish the application process. I did NOT apply for this credit card, someone else applied for the credit card in my name fraudulently XX/XX/23 - I contacted XXXX to dispute the hard inquiry on my credit report and also had them put a fraud alert on my credit report and had them freeze my credit report. 

I plan to contact Comenity Capital Bank from the letter they sent and have them disregard the credit card application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by XXXX XXXX XXXX  on XX/XX/ and XXXX XXXX XXXX  on XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX and Transunion are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

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 2022-11-11
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX HAS FAILED TO SUPPRESS THE INACCURACIES ON MY CONSUMER REPORT AND I HAVE SENT THEM DOCUMENTATION THE FTC REPORT AS WELL AS FURTHER DOCUMENTED PROOF OF FRAUD AND THEIR INVESTIGATION WAS UNSUCCESSFUL IN DELETING THE INACCUARCIES THIS HAS CAUSE ME EXTREME AND SEVERE HARM LOST OF EMPLOYMENT AS A CONSUMER AND HAS NOT ALLOWED ME TO EXTEND MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020 )

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