BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had SPS as my loan servicer for 15 years. I refinanced my loan in XXXX of this year and SPS was paid in full. I contacted SPS in regards to the unearned interest that is due to me by law. They responded that they were forwarding my letter to the proper department and I have not heard from them since. They are required by law to remit the unearned interest to me within 5 days. SPS has failed to do that or respond to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. Experian has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I made a check deposit through mobile deposit banking. I was made aware that government check deposit funds into your account the next business day. However my check was placed on hold and I have been on the phone with customer service girls dept for 2 days straight. Ive spent over 8 hours on the phone being hung up on, told nothing can be done, or told they can do some thing but at certain times, Ive begged for them to call the correct departments that can verify my check but they say they cant. Then Ive called my branch that couldnt do anything other than to ask that holds dept contact the issuing bank, XXXX XXXX, the last 5 people Ive talked to said it was taken care of and home would be released within the hour. Well your came and went and no release still. I called back yet again and was told the senior department head declined my check release of funds!!!! I have never ever ever gone through so much ridiculous junk in my life and have absolutely no way out of. I was unable to get my check back from chase so that I could go to XXXX XXXX myself to cash it. Ive begged and pleaded and have been lied to, transferred, hung up on etc for 2 days straight. I will close this XXXX account and I will tell everyone I know on every social media platform how absolutely horrendous Chase bank is! I have to wait 10 days to get MY MONEY! What a complete and utter disgrace. The stress alone and caused me to get XXXX XXXXXXXX. I will never have anything to do with any Chase products of any sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Citibank card since XXXX over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. I would like my account reopened and my APR put back to what it was. Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!

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 2020-01-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am showing up on my ex-wife 's mortgage that she got after we were divorced on the property that we once we're purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however I am showing up on my ex-wife 's mortgage that she got after we were divorced on a property that we once were purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however my looking at my records she refinanced it in XX/XX/XXXX we have been divorced since XX/XX/XXXX this is really affecting my credit scores my debt to income ratio and causing problems for me to not be able to get a home loan for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy XXXX XXXX XXXX. Mortage from Wells Fargo was Discharged through Bankruptcy, per documents I have. 

Wells Fargo continued to send notices about collecting the mortgage payments, however, they refused to speak to me on the phone, citing the bankruptcy protection laws. Wells Fargo foreclosed on my home, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ in XXXX. 

In addition to foreclosing on the property originally mortgaged ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ ) owned by myself only-Wells Fargo included a XXXX XXXX XXXX which listed 5 lots ( only one owned by me and not included in the original mortgage. And included my ex husband on the paperwork. 

I believe Wells Fargo illegally foreclosed on my home and other properties ( which had nothing to do with anything ). 

Wells Fargo refused to speak with me, but continued to harass me with notices and correspondence ignoring the bankrupty protection laws.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXX  XXXX XXXXXXXX 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

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 2022-02-23
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was offered a free safety deposit box when I opened an account with Chase. After using the box for a time, I emptied it when I moved house because my new address was two hours drive away, and Chase could not offer me a box at a branch nearer my house. I later received letters warning me that Chase would start charging me {$70.00} per month to have the box. I called and wrote to Chase many times explaining that I no longer lived in the area, but they were insistent that I had to visit the branch to close the box. It was so far away, but when Chase stopped responding to me, I had no option but to drive the four hour round trip to meet with the branch. This could have been done easily by mail. I was then shocked and appalled to find that I had been charged {$70.00}. I complained to the branch, and received an infuriating call saying that the final decision was not to refund me the {$70.00}. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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:
Since XXXX of 2023, I've notice incorrect reporting on my credit report. I reached out to XXXX XXXX, Experian for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.

Company response to consumer: In progress
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
On/about XX/XX/XXXX I notified Wells Fargo via phone that I noticed multiple unauthorized fraudulent authorizations/charges on my Wells Fargo Visa card XXXX The authorization attempts and my phone call were on the same day. I hoped my call would halt the transaction. I also spoke directly with XXXX on the same day to advise them of the fraudulent activity. There were multiple authorizations for the same smaller amounts ( {$160.00} & {$53.00} ) which is a very common fraudulent practice and one that Wells Fargo should have alerted on well before I called in. If Wells had proper fraud strategies in place, listened to my original fraud complaint or performed more research by utilizing platforms such as XXXX XXXX they could have determined that the IP address did not match any IP address tied to me. The fraudsters were attempting an account take over. It is a common and well-known practice for fraudsters to test small amounts repeatedly, as was done in my case. Wells Fargo is very aware of this practice yet they determined the charges were not fraudulent. I re-disputed their findings and disclosed that I had received the fraudulent merchandise. The items remain unopened and in the same package and condition I received. I fully disclosed that I did not want to be further inconvenienced by having to return the items to the store. Again, items I did not order. Again, all of this hassle that could have been avoided had Wells Fargo alerted to the textbook fraudulent activities. Even after my re-dispute, Wells did not properly investigate my fraud claim, stating in a letter dated XX/XX/XXXX that the charges are valid and appear to be authorized by you. Absolutely shameful that as a lifelong Wells Fargo customer that my {$210.00} claim did not receive a fair and reasonable investigation, as is the law. 

Im certain that Wells complete disregard for consumer safety and satisfaction is being felt by countless other consumers that dont know about CFPB so Im hopeful my experience will be a guide for other consumers.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: MO
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:
You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates used Robo-dialing electronic devices to call my private phone number that is trust property. I have not contracted with this company nor do I have any debts nor have had any debts with this company, I have asked this company to stop calling me and that the person whom they are trying to reach is not this phone number, I was told by an agent that they can call a family member if they want to. That may be true in some states but not Georgia, and is also a misrepresentation of facts and its definitely not authorized by the telephone communications protections act. After I explained to the agent that I wanted no more further communication with the company they still call my phone, I have sent them an affidavit of truth that has gone unrebutted 14 days plus 2 for their violations and Trespass against my property and my rights. I have all the evidence to state a action for where remedy can be found. These calls are a gross violation of this companies standing Judgement order that they just received in XX/XX/2023. Civil action will be filed for unresponsive to the affidavit which shows prima facie evidence of their acknowledgement of their violations and negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TOWNE MORTGAGE COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried several times, unsuccessfully, to have PMI removed as a requirement for our mortgage. My last complaint was responded to with the following : 'According to the terms of the mortgage loan, the Mortgage Insurance Premium ( MIP ) is due for the life of the loan and can not be waived. ' Per the PMI Cancellation act, it is prohibited to require PMI for the life of the loan. I have provided AmeriCU with a recent appraisal showing that we are easily below 80 % LTV. 

Refinancing at this time with rates so high is prohibitive as we currently have a 3.125 % interest rate on our mortgage. 

I have attached AmeriCU 's original response as well as a copy of the current appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to contact Pennymac about assuming my mortgage to remove my ex-wife 's name from the mortgage. They will not make contact with me despite spending hours on the phone, only to be constantly rerouted or hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Company response to consumer: Closed with explanation