BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I decided to refinance with a cash out option on our home with Movement Mortgage. We started the process In XXXX and ended up closing in XXXX. CD 's were late being delivered to us and we missed one of our scheduled closings, which caused an increase. We received a CD Disclosure on XX/XX/XXXX, which we were told was not the 'final disclosure ' but it would get our 3 day window started and that there were some fees that the lender was going to take care of. This disclosure was esigned by us on XX/XX/XXXX. A second disclosure came out to us on XX/XX/XXXX ; which was both esigned ( XX/XX/XXXX ) and then hand signed at closing ( XX/XX/XXXX ). This CD changed the amount of the cash out we were receiving, and provided lender credit. The final CD arrived on XX/XX/XXXX ; while we were on our way to closing. The title company supplied us with full copies of the XX/XX/XXXX paperwork at closing, which we hand signed and went home with ; to be funded on XX/XX/XXXX, with an amount of XXXX. When funding came through on XX/XX/XXXX ; the amount funded was XXXX. We immediately called out to the Title company because of the discrepancy, and was told that the CD was amended after/during closing by the Mortgage Company, and that they would reach out to them and see what was going on. During this time, the lender reached out to us ( on XX/XX/XXXX ) to ask for more paystub information, as they didn't get enough to complete their files before closing occurred. On XX/XX/XXXX, we received an email back from the Title Company asking us if we had heard from the lender. We had not, and forwarded that email to the lender with Movement Mortgage, and was advised that they were " working on resolution ''. Since XX/XX/XXXX, every email sent and received to/from the mortgage company just stated they were working on it ; Voicemail messages and emails to Movement Offices and Compliance Departments went unanswered. So on XX/XX/XXXX ; we sent an email to our lender advising if we did not receive a resolution that day that we would have to pursue legal advice. This seemed to have gotten a reaction out of the lending company ; because we then received an email not only stating that the additional funding was being sent for the " Tolerance Cure '' but that they cc 'd legal as well. So while things seem to be moving along in regards to the funding discrepancy ; we now have questions as to whether or not we ever received the fees that the lender said they were taking care of, the appraisal fee that we pre-paid and were to be reimbursed, and that the overall state of our refinance was done correctly. It further concerns us that our account was funded off of a CD that was sent during closing, that was never fully signed or disclosed. When we looked up what a Tolerance Cure is, it talks about a method to keep consumers from being over charged and TRID violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: MRS BPO, LLC
State: TN
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:
XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On or about XX/XX/2019 I noticed while looking at account a lot of pending charges that occurred in the XXXX. I new I didn't charge it so I called till blue in the face and I finally got a person on the phone from Direct Express. I explained it to her and she stated there was nothing she could do while the charges were pending. I got off the phone and called a bunch of times with no luck. I the looked at the card for the bank that was backing Direct Express. The gentleman from this company got someone from Direct Express to assist me. With that I filed the complaint and was told Direct Express would send me paper work to fill out and fax back before XX/XX/2019. I have never gotten the paperwork and time is running out. He had in front of him all my info on my account and was going trough the fraudulent charges from the XXXX. I have made many attempts to get back in touch and get these charges reversed and put my money back. Every cent I have is crucial to me. Last contact with them was XX/XX/2019 spoke with XXXX he gave me this number : XXXX. Direct Express was good to me until I needed help. I feel they dropped the ball completely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a call from my bank notifying me that suspicious activity was recognized on my debit card at XXXX AM in the amount of {$5400.00} at a nearby casino. My debit card was immediately canceled, and a report was filed with US Banks fraud department. They informed me that they will give me a provisional credit on my account. I did not hear anything about the banks investigation until I received a letter in the mail on XX/XX/XXXX stating that their investigation was complete and that they were going to reverse the provisional credit in 2 days ( XX/XX/XXXX ). I called the fraud department and they told me that they denied my claim for two reasons ; 1 : My chip was used during the transaction and because the location of theft was localized to my are. This is impossible because my card never left my wallet and I have not been to this casino in over 4 years. XXXX from the Fraud Department told me that if I wanted to get my money back, I would need to prove that I did not authorize the transactions. The bank has denied any written documentation on their investigation. 

I have been trying to solve my own crime ever since. I have filed XXXX police reports ( XXXX with the XXXX XXXX XXXX XXXX XXXX and another with XXXX Police Department ), I drove to the casino on XX/XX/XXXX and got receipts of the transactions, but the bank will not protect me or give me back the credit. The main reason they told me was because it was impossible to duplicate or clone the XXXX chips inside the debit cards ( an easy XXXX search will tell you otherwise ). This has caused undue stress and anxiety in my life as I keep wondering how I will be able to pay my bills or feed my family. The bank will not help me any further and I do not know what I can do or what rights and protections I have. It is my understanding that the law protects a consumer 's money when there are unauthorized transactions on their credit/debit card.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: MI
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:
from : natural person-XXXX XXXX XXXX to : EXPERIAN INFORMATION SOLUTIONS, INC. 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX- Compliance Director XXXX- XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : XXXX XXXX XXXX/XXXX XXXX or XXXX XXXX XXXXXXXX XXXX XXXX, neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded XXXX XXXX XXXX/XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.

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 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital one bank is reporting a late payment on my account after i have asked them as a goodwill to remove the late payment.i disputed these late payments on this account with the credit bureaus and it came back verified i have since then contacted the company and haven't received proof of late payments. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: WI
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:
They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.

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 2022-10-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters disputing the discrepancies of my credit reports in XX/XX/XXXX. XXXX and Experian never responded. So I sent a second round in XX/XX/XXXX asking for verification of the accounts that were questioned. They came back as verified. So, I took the next steps that is being described below : Upon reviewing all of my credit bureau reports, I noticed discrepancies with Experian and XXXX regarding my XXXX XXXX XXXX XXXX account. For XXXX, my date of last activity ( XXXX ) was XX/XX/XXXX. For Experian it was XX/XX/XXXX. Experian was sporadically reporting CHARGE OFFs at random. I wrote both XXXX and Experian with a factual dispute stating that there is a huge discrepancy between the XXXX for XXXX account and please delete the accounts. This was in XX/XX/XXXX. 

Transition didn't update my account and it remained on my credit report. Experian " updated '' my account by deleting all of the random XXXX XXXX from XXXX. Then, they chose to add XXXX charge off to XX/XX/XXXX as if this was a new charge off account! ( I am submitting copies of my copies of my XXXX account with Experian ) I proceeded to speak to a representative in person at XXXX. She directed me to Credit Bureau Disputes Department at XXXX. They agree that they shouldn't have randomly added XX/XX/XXXX as a CHARGE OFF. XXXX and then XXXX XXXX at XXXX Credit Bureau XXXX XXXX wrote correspondences to me stating that they have alerted Experian to correct the CHARGE OFF for XX/XX/XXXX. This was in XX/XX/XXXX and it has yet to be resolved by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently sent letters over 45 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-07-28
Company: JPMORGAN CHASE & CO.
State: AL
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:
My husband passed away XX/XX/19 & I paid off & closed The account in XX/XX/2019 A charge came thru the account XX/XX/19 from a company that my husband had an annual payment set up that I knew nothing about & when I received a bill for it I called & ask how could they accept a charge on an account that was closed. They said it should not have happened & would take care of it. Ive had to call over & over final hot a letter telling me I would have to pay it. PLEASE HELP ME! THIS ISNT RIGHT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: CA
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 ordered some ornaments on XXXX on XXXX for {$43.00}, invoice attached. I returned these items. XXXX confirmed receipt. XXXX issued two refund, one for {$22.00} and one for {$21.00}. They confirmed these two amounts and transaction ID 's. CitiCard however did not credit me for the {$21.00} only the {$22.00}. The vendor refunded me the {$21.00} and it seems as if CitiCard has absconded with my monies and not credited my account.

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 2019-10-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have exhausted all administrative remedy to try to work with SunTrust Mortgage, Incorporated. Per, the steps that were taken with honor, the note has been fully discharged and the funds were resent and accepted by SunTrust Mortgage, Incorporporated Payoff Department on XX/XX/XXXX to discharge the debt. The funds were not returned and SunTrust Mortgage, Incorporated agreed to the terms and conditions of the Notarized Legal Affidavit of Fact With Lawful Writ of Directive and Terms of Use of Agreement, dated XX/XX/XXXX ; which was sent certified mail via United States Postal Mail. 

The alleged 'Trustees ' of SunTrust Mortgage XXXX Incoporate has initiated a wrongful foreclosure with a sale at an auction dated XX/XX/XXXX in XXXX County , Georgia . SunTrust Mortgage, Incorporated can not : - prove it owns the original promissory note - didn't act in compliance with state mediation requirements ( publication of the notice of sale ) - did not follow state-specific foreclosure procedures - provide all journal entries regarding the alleged loan Documentation that has been published for 'public record ' have been balantly ignored by SunTrust Mortgage, Incorporated. The company has the documentation plus more that was mentioned in this complaint.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: NJ
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:
On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor Experian, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was mailed a letter that was predate XX/XX/21 from Midland Credit Management that arrived at my house on XX/XX/21 telling me I had till XX/XX/XXXX to accept their terms on a debt from a credit card company they purchased the debt from in the amount of XXXX. All it states is that it was purchased from XXXX XXXX and I had two options offered to me to close out this debt to them. 
At no point have I agreed to or signed any contract with this alleged debtor. I am filling this complaint as I have been no validation of this alleged debt. I have not been shown proof where I have signed any agreement or contract with this company. I have not been given reasonable time to respond. I have not been given a reasonable offer. 
I am also a XXXX veteran having served during the XXXX XXXX and do not appreciate these predator tactics while people are trying to get back on their feet during COVID. I expect respect and decency from this company and also my rights to be respected and followed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB did not look into the fact that this is a write off by XXXX. The original creditor XXXX XXXX XXXX has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by Internal Code and regulations must report closed out debt to the IRS. 
The fact that XXXX wrote this debt off as a charge off means that XXXX reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. XXXX could not legally sell this debt, therefore they have violated my privacy by selling my information to NCB, and NCB has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. XXXX May also be in violation of other laws if in fact they did sell a debt to NCB and collected any money from that sale, after reporting it as a loss to the IRS

Company response to consumer: Closed with explanation