BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: Home Point Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home on XX/XX/XXXX, Home Point Financial bought our loan. We paid extra money towards the principal in order to remove PMI from our mortgage payment and never had a late payment. Now that our LTV is below 80 % I made several calls and sent an email to remove the PMI. The last call was to customer service on XX/XX/XXXX I explained why I was calling and what should be done to the PMI on my loan, she put me on hold to do some research and came back to tell me that it should be removed because it's less than 78 % LTV but could not tell me why it hasn't been removed. She told me she would call me back the next day with an answer but no phone call. 
I come across CFPB hoping you can help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: OH
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 disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue

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 2020-09-07
Company: Flagstar Bank, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As of XX/XX/2020 Mortgage account with Flagstar Mortgage is not reporting account or payment history. Information is missing. This missing information is damaging to my credit report lowering my FICO score by over 21 points. Attempted to fix this problem with the company last month via phone call. Information is still missing, 30 days later.

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 2019-09-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my mortgage was sold to PennyMac from XXXX XXXX XXXX. Prior to being sold, XXXX had us on biweekly payments that we paid close to {$1100.00} every 2 weeks. Because there is typically a 3rd payment week in a 5 week month, that payment was used by XXXX to put directly towards principal payments. We were unaware of that, however PennyMac worked with us to work with XXXX to have all of the payments credited properly to where we were not considered missing a payment for XX/XX/XXXX when our loan was transferred. 

However, while we were in that months long discussion and changes from XX/XX/XXXX until XX/XX/XXXX, we were making payments under the assumption that we would be caught up once the discussions and decisions were made. As of XX/XX/XXXX, once the account was recredited properly, we only owed {$530.00}. We made that payment on XX/XX/XXXX. We were under the impression that once we caught up, we would be able to sign up for automatic payments but for some reason, our account has a flag on it as that we are more than 30 days late however the account was credited incorrectly in the first place, therefore we are unable to sign up for autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a bill from Discover indicating I owed payment after I refinanced loans in full with a different company. I paid off loans that I co signed via a refinance through XXXX. XXXX issued Discover Student Loans one check in the amount of {$60000.00}. The refinance specified my account number consistent with this amount. Discover claims they only received a portion of the payment ( $ XXXX ) and paid off only one of the loans under my account. The rest of $ XXXX can not be located according to Discover. They claim they only received $ XXXX although the XXXX issued one check to Discover in the amount indicated above. XXXX verified the disbursement with Discover on the phone line and verified the account the check was to be applied to. Discover claims they do not have record of receiving the check for {$60000.00} although the applied $ XXXX to one of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
From my XX/XX/XXXX to XX/XX/XXXX statement, my excess payment was applied toward a promotional balance, which has a 0 % APR instead of my regular purchase balance, which has a 17.40 % APR. In fact, my regular purchase balance went up from {$2400.00} to {$2900.00}, while my promotional balance went down from {$9600.00} to {$7800.00}. I spoke to a XXXX with account executives at USAA on XX/XX/18 and he stated that this was merely because of new purchases, which still makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe Diversified Consultants. Ive never discussed business with them and no contracts were signed.The account that they are referring to was a result in identity theft and has been resolved. I have hired an attorney to peruse will legal matters if Diversified Consultants continue to report false information to the credit bureaus. Ive attached proof that this account was deleted. This acount has been flagged for fraud. Please remove all inaccurate, false information from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
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:
Account # XXXX - XXXX XXXX XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Experian on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and they never gave me my deposit back which was {$650.00} and they billed me for a months rent which is all false I am going to try to get a smalls claim court order but they are robbing me blind I  have never been a late payment type of person on my rent I can get that in writing from each land lord.I have had the last 15 years.

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 2018-09-19
Company: TD BANK US HOLDING COMPANY
State: TX
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 pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card TD-BANK XXXX  AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called TD BANK AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: JPMORGAN CHASE & CO.
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:
XXXX has been non-compliant with removing the unverified account CHASE AUTO which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE AUTO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have called and discussed over 2 hours with an associate and XXXX XXXX? that I suffered extreme trauma over the time that I have had this card. I thought the bill was on full autopay I normally do and it was accidentally on miimum amount due. I have been advised by my doctor that I have a XXXX that was directly affecting my ability to handle these functions. due to being forced to work in a different state and extreme harassment and trauma at my work I did not see these bills. Business revenues dropped due to unanticipated problems as well. PURCHASES ARE ALREADY PAID IN FULL. Request - all fees and interest to beginning of account removed as problems began around that time.

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 2021-07-12
Company: SYNCHRONY FINANCIAL
State: AL
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:
Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.

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 2018-05-23
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am reporting my rights, under the Fair Debt Collection Practices Act, ( FDCPA ), were violated. Under the FDCPA, it states, If you dispute the debt, then anytime the collector reports that debt to a credit reporting agency, then they must report that debt is a disputed debt. As you can see in the attached documentation, from my archived credit report, ( XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX ), they did not report the debt, as being disputed. They still reported disputed debt, to XXXX  and to XXXX, as if it were not being disputed. 
Attached you will also find a copy of the certified letter receipt ; the collection agency received a letter, asking them to validate not verify, said debt. According to FDCPA, Upon the consumers request written request within the thirty day period, the debt collector will provide the consumer with requested form of validation. A debt collector presented with a timely ( within 30 days of receiving my notice ) demand for validation must stop all collection activities until they provide the requested validation. As you can see from the attached certified letter receipt, from XX/XX/XXXX to XX/XX/XXXX ( today ), it has been 52 days. They have not provided me with requested validation, and they continued to report XXXX and XXXX, which is another direct violation of the FDCPA. 
In lieu of the violation of my rights under the FDCPA, I am requesting that these accounts be deleted from my XXXX  and XXXX credit profile, and that documentation of requested action be forward to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BRite Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My car was due Thursday brite financial is calling me on every phone number listed to harass me. I attempted to make a payment arrangement for the following week and it was denied because i cant make a partial payment. They told me they can call me every day as often as they like until account is current. Its 2 days over due?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, 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:
I recently applied for a house loan but was denied because of XXXX XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I opened an account with coinbase.com. I transferred money into this account from my XXXX XXXX  savings account. I made 5 transfers from my XXXX account to coinbase on the following dates. XX/XX/XXXX, transaction 1 - {$9900.00}, transaction2 - {$150000.00}, XX/XX/XXXX, transaction3- {$17000.00}, XX/XX/XXXX transaction4 - {$9000.00} and finally XX/XX/2020 for {$25000.00}. Afterward their wait time, I transferred money to an offline account as I do not trust the security of online companies like this to hold my money. I completed all of coinbase 's verification steps to validate my identity with my Florida drivers license, an updated self photo and setup 2 factor authentication on my account. On XX/XX/XXXX, while attempting to transfer bitcoin to an offline wallet, I received an indication that my account is restricted. I filed a complaint with their support department, but the only response they  have given is that my account is not eligible for review until XX/XX/2020 and also stated that they can not elaborate on this decision. I have emailed them back and informed them this is unacceptable and to call me at the telephone number listed in my account but communication from coinbase has ceased and I have not received any other communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
I have disputed this account with both Equifax and XXXX / XXXX XXXX multiple times. I have requested proof of ownership but it has never been provided. I have been told by the original creditor that the account has already been closed and the collection should have been as well. They also said to request Proof of Ownership from the collection agency as they said they had none. To date, nothing has been provided. 
I have provided police reports and Affidavits of Non Ownership to both the collections agency and to Equifax but the account has not been removed. Attached to this dispute, please find a police report mentioning the original creditor XXXX XXXX and the most recent Affidavit of non ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello and thank you for taking the time to investigate my situation with the Experian reporting agency and XXXX XXXX. 

In XXXX my credit rating with Experian was sitting at a healthy XXXX, then all of a sudden points had dropped 41 points dropped and my rating went down from a RED C on my XXXX XXXX and it baffled me. I paid the balance of my credit card account and I was reprimanded with a Red C and a closed account on Experian? My account was never in bad standing with XXXX XXXX never a late payment, I may have been over my limit but never had a debt collector chase me for payment as I always paid my dues or if I went over limit paid extra into my account. 

I was horrified! 

I was planning this year to purchase a home and I had this defaming red C with debt collectors stated on my credit report. 

I rang Experian to find out what it was they asked my to raise a dispute, I did so. 
I rand XXXX and they were stumped why my balance of a {$0.00} was reported as a debt collection and never have they reported my account in collections. 

Today I received another alert on my profile with XXXX XXXX  as a Red C for the month of XXXX and XXXX is sitting with a Green tick to state its open? 

I am floored that Experian is posting my 2 months of one payment of full balance and non used of my card in XXXX as CLOSED ACCOUNTS WITH DEBT COLLECTION???? 

I dont want to be given the turn around again with Experian every time I talk to someone and I want to speak to a supervisor I get the same old " raise a dispute '' I have waited more than a month for them to clear off the XXXX and they have not and now I have one for XXXX. 

Could someone please help this has affected my opportunity get a mortgage or any loan in the market under my name which has never had any issue with any creditor. 


Yours faithfully 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 explanation