BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with US Bank my current HELOC holder for a subordination related to a refinance. They charged me a {$250.00} up front fee and did not tell me I would need to provide a full appraisal on my property in order to have my request reviewed. If I knew of that requirement I would not have paid the {$250.00} and I would not have submitted the request. I do not have a full appraisal and will not provide one. An appraisal is not necessary and it should not be required for the subordination as my 1st mortgage refinance is not a cash out. My HELOC is also at a XXXX balance. I am a mortgage professional so I know underwriting guidelines and normally lenders do not require an appraisal if my 1st mortgage refinance is not a cash out. I tried calling US Bank today multiple times today to discuss the issue and see if there is a solution. I also wanted to know why they did not tell me the requirements of the subordination before collecting {$250.00}. They refused to put anyone on the phone. They said that department is private and they are not allowed to give out the contact info. They also tried telling me to have my mortgage company call them who was handling the refinance. I told them I am calling from the mortgage company handling the refinance. I actually work for the mortgage company. US Bank collects {$250.00}, does not advise what is required for the process, then cashes the check and denies the request asking for something I can not provide. They do not allow anyone to call and find out how to resolve the denial and refuse to allow both the requestor and customer talk w their underwriting. I would not have paid the {$250.00} if I knew they would require an appraisal. I would not assume it's necessary because in my 30 years of being a mortgage lender I have never seen this requirement unless it is a cash out refinance. US Bank is free to have their own guidelines, even if they make no sense. However, they can not charge {$250.00} and then tell a consumer after the fact they need something the consumer can not provide in order to complete the service they charged for.

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 2019-05-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have had a mortgage with Nationstar since XXXX ( it now refers to itself as Mr. Cooper ). The monthly mortgage payment is {$4400.00} which we have also always timely paid. See the Exhibit hereto named Part 2 which is proof of all payments from XX/XX/XXXX thru XX/XX/XXXX. Last XXXX and XXXX, Mr. Cooper sent bills requesting a lesser monthly amount ( {$4300.00} ) but we continued paying the correct amount. See pages 2 and 3 of the Exhibit hereto named Part 5. The mortgage documents provide that we will pay our own insurance and taxes and we have always timely done so. For an unexplained reason and without prior or subsequent notice to us, Mr. Cooper paid our taxes and insurance premiums on the first day each was due. I paid those same insurance payments and tried to pay the taxes a few days later ( the taxes were marked paid online ). In a bill dated XX/XX/XXXX, Mr. Cooper requested {$26000.00} and at about the same time my payments were returned to me by the insurance carriers ( a total of {$9800.00} ). See page 4 of the Exhibit hereto named Part 5.  I wrote to Mr. Cooper on XX/XX/XXXX ; see page 1 of the Exhibit hereto named Part 5. Mr. Cooper responded on XX/XX/XXXX with a response I still find incomprehensible and an exhibit that clearly shows I made all payments and that Mr. Cooper is aware that payment by it of the taxes and insurance was without authorization or prior notice to my husband or me. See the Exhibit hereto named Part 4. I have tried to call Mr. Cooper without success. I wrote and email on XX/XX/XXXX requesting a response or call so that I could feel comfortable sending the {$9800.00} we owed but have had no reply. See the Exhibit hereto named Part 1. Although they have not replied, we did send the {$9800.00}. See the Exhibit hereto named Part 2 which shows Mr. Cooper 's receipt of that {$9800.00} and our timely payments of all mortgage premiums from XX/XX/XXXX thru XX/XX/XXXX. Now, Mr. Cooper seeks {$11000.00} from us ; see page 1 of the Exhibit hereto named Part 3. Somehow, our payment of {$9800.00} made the amount due go down {$13000.00} ( from {$23000.00} to {$11000.00} ). See the Exhibit hereto named Part 3. We are totally confused and do not know if Mr. Cooper is  engaging in incompetent or criminal behavior. What we do know is : ( 1 ) we have timely paid all amounts owed, ( 2 ) Mr. Cooper is not treating us fairly, ( 3 ) we have lost all confidence in Mr. Cooper, ( 4 )  Mr. Cooper has harmed our credit rating ; ( 5 ) we could sue and ( pursuant to the mortgage documents ) be awarded attorneys fees to be paid by Mr. Cooper. I hope that this can be resolved with your kind assistance without the need for litigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: IL
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:
Remove the accounts from my reports.

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 2023-02-28
Company: Chime Financial Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023 @ 7:40XXXX received a text message that my number was changed on my chime banking account. I did not change my number, I attempted to log in and lock my card so I could contact support. Within a matter of minutes someone was able to transfer money from my checking and savings account to a whole different bank that I do not use or have knowledge of. I immediately contacted support to let them know this was not my doing or authorized and filed a dispute that same day. They stated they would look into it and not even 48 hours later they made a decision that no error was found and I would not receive my funds backs. No documentation of the investigation was given and I refused to let this go and ask that they open it back up. Reported them to XXXX and will take legal action if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

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 2019-05-02
Company: Diversified Consultants, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a credit alert from XXXX XXXX  XXXX  on XX/XX/2019, XX/XX/2019, and again on XX/XX/2019 with a message Alert Type : Potentially Negative - Major Derogatory A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identify theft. Balance {$360.00} Collections Open date XX/XX/19 Payment Status Grid Code G ( Collections ) Diversified Consultant with the companies address and phone number. I called and spoke to someone and they told me they could look this up by pulling my credit report if I would give them permission which I did. They said this had to do with an original creditor XXXX XXXX XXXX. I later spoke to my husband and we both remembered when we switched from XXXX XXXX XXXX to XXXX we called several times to confirm and XXXX XXXX XXXX   told us we did not owe any additional fees. I have not contacted anyone since I did not want to have anyone start calling me. I also have not gotten any mail or phone calls from this company notifying me I owe them anything. They have put this on my credit report 3 times. I called on XX/XX/2019 and asked what I should do about this and another representative said I could open a dispute and sent me over to the dispute department or so I thought. Took additional information from me and said it would take 30 days and I would hear something. When I saw the 3rd negative mark on my credit on XX/XX/2019 I called again and that is when I spoke to a customer service representative and she said these could be removed and she did not see where any dispute had been opened for me. She transferred me over to the dispute department and I spoke to a lady who told me the additional negative information put on my report on XX/XX/19 & XX/XX/19 by the same company and the same amount of {$360.00} could not be removed and they could put this on my report every day if they wanted to it just depended on how they did business. I asked if I could dispute this and she said she would open up a dispute. I don't know if she did or not. I really don't know if this company will continue to add negative credit information and who they are. I am worried. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I am a XXXX  veteran. I was the victim of a phishing scam and was told to purchase gift cards to prevent thieves from draining my bank account. I was guided to purchase {$3500.00} at XXXX 's and then drive to XXXX 's to purchase another {$3500.00} all on my Chase United Explorer credit card. This is way out of the norm for my spending and Chase never once declined my card especially between the half hour at most between the two stores that evening. They promise that they monitor 24/7 against suspicious transactions or speeding out of the ordinary. This is not a fraud case bc I was present with the EMV chip card. I explained to Chase that I take the blame for the first charge however, I went to the policenand the FBI online and realized that Chase never protected me as their customer by declining the card for the second purchase, or by at least texting me or calling to make sure it was legit. They keep telling since it was a chip card, they basically don't think anything is unusual in spending attar 's anyone. I asked them to review my records and I have never once carried a balance, never incurred a late fee, and all I was asking for was if perhaps they can help me with the charge b/c they never protected me, whereas in the recent past, chase has declined my card at a gas station b/c it was two hours away, or at a grocery store that I have not gone to. But this fateful night, they never thought {$7000.00} was worth a text alert or a hold on the card? I provided the police and FBI reports and they will not admit they did not protect me that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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:
incorrectly reporting wrong information in my personal information like my name and addresses

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 2019-05-02
Company: PNC Bank N.A.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My son, XXXX XXXX XXXX, had a auto loan through PNC Bank, with his grandfathe, r XXXX XXXX XXXX, as a co-signer. On XX/XX/19 my son was in a automobile accident that took his life. My father, XXXX XXXX XXXX, gave PNC Bank permission for me to take care of closing the auto loan account. My son, XXXX XXXX XXXX had auto insurance and gap insurance which should pay off the entire loan amount. I contacted the auto insurance company and the vehicle was a total loss. The auto insurance company sent PNC Bank a check. I contacted PNC Bank and informed them of what had happened and spoke with a XXXX XXXX. She informed me that my son, XXXX XXXX XXXX had gap insurance and all that PNC Bank would need was my sons death certificate and the auto insurance check, then they would take care of everything else. I emailed my sons death certificate and reached out again to PNC Bank and XXXX XXXX and again she informed me that they would take care of everything else. In the mean time my father XXXX XXXX XXXX is getting calls that the vehicle payment is behind and his credit has taken a negative hit, though this case is pending insurance payments and is a total loss. I call PNC Bank, because XXXX XXXX won't return my calls, and am told, by XXXX, they never received a check from my sons auto insurance company. I inform PNC Bank, that I have a letter in my hand and it states that they have received a check from the auto insurance company. I am then told by another representative of PNC Bank, XXXX, that they don't reach out to the XXXX insurance company that we should. We were told that PNC would take care of it by XXXX XXXX. We then reach out to XXXX XXXX XXXX, where the vehicle was purchased, and they send us an email where PNC Bank has cancelled the XXXX insurance. Why would they do that and why did they tell us that they don't reach out and contact anyone. It's lie after lie and why are we taking care of this companies leg work. Why aren't they trying to close this account out? Are they just trying to accrue more interest? Why are we doing the loan companies job? Their client is deceased and they have a copy of his death certificate and they had the nerve to ask us to send them another copy. This is a very tough time for my family and this company is making a tragic situation so much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was charged really high interest rates in the month of XX/XX/2015 for a used car auto loan i can not remember the exact amount but I paid back over XXXX for a XXXX auto loan. I tried a few times to correct this issue but they gave me the run arounds sent me to an automated machines if I called or just ignored me all together no action has been taken to correct this issue on the company 's behalf.

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 2021-03-02
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I sent LexisNexis a letter asking for their method of verification for the Bankruptcy that they reported to the Credit Bureaus that is listed on my credit reports. I simply want LexisNexis to tell me how they obtained the Bankruptcy information they reported to the Credit Bureaus. I called LexisNexis about a week ago to see what the status was, and they informed me that they had received my letter, and they are waiting for a response from the source they used to obtain the information. LexisNexis received my letter on XX/XX/2021, and all they had to do is tell me where they got the Bankruptcy information from they reported on my Credit Report, which they should already know, it does not take over 30 days to do that! the tracking USPS number that proves LexisNexis received my letter on XXXX is, XXXX. Once again LexisNexis, I'm asking for your method of verification please, how did you obtain the bankruptcy information you reported to my credit reports? 
My drivers license and social security card is attached in the uploads for proof of identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion and XXXX  are reporting a debt on my credit file for XXXX XXXX. This debt is being reported in error and it is not valid. it's needs to be removed off of 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 2023-12-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested statements for both accounts under PROCOLLECT. Called procollect and the refused to provide the statements to me and kept asking me to pay. I requested statement emailed or mailed to me and they declined both. I also asked for emailed or mailed account # s for mine and also refused that. They did verbally provide me the account numbers. XXXX is XXXX. XXXX is XXXX. I need a copy of both statements please for both accounts under procollect.

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 2022-05-02
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-03-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having a problem with experience credit bureau. Several things have been deleted as inaccurate but are now on there as collection accounts. I recently applied for credit and they told the company Im deceased. My mother and my reports are somehow combined shes deceased.

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