BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is regarding select portfolio servicing they have the balance of one of my rental homes, it was refinanced around 10 yrs ago with a balloon payment. 
We had forgot about the balloon portion of the loan, however in XX/XX/XXXX we received a letter saying the balance of the loan was due by XX/XX/XXXX we called select porfolio servicing in XX/XX/XXXX and was informed the loan was due however wasn't advised it meant we had to refinance the rental to a different lender. WE where told that everything was fine and there was no issues just keep paying.we got other notices regarding this through out the year! Each time there was not any word about it having to refinance the loan. Then In XX/XX/XXXX They stopped taking payments from us and reported on our credit report that we have late payments. I have none stop been calling them and I was told by a person there whom I have the name that select portfolio would do everything in there power to help resolve the issue. Yet today I called and told them I needed them to remove the late payment off my credit report because the loan officer that's doing the refinance had denied us a loan to refinance because of select portolio. They tell you a different story every time you talk to them, there purposely giving us the run around, They also have an insurance check that belongs to us of XXXX as well as another XXXX tax return

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX XXXX, 2017, my wife and I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement.
On XXXX XXXX, 2017, after the purchase was completed, I noticed on XXXX XXXX that I had received XXXX ( XXXX ) hard inquiries from this transaction. According to the XXXX details shown on this service, the XXXX  ( XXXX ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XXXX/XXXX/2017 ) 2. XXXX XXXX ( XXXX/XXXX/2017 ) 3. XXXX XXXX ( XXXX/XXXX/2017 ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XXXX XXXX, 2017 - Phone call - left a voice message 2. XXXX XXXX, 2017 - Email to XXXX XXXX 3. XXXX XXXX, 2017 - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On the evening of XX/XX/XXXX ( CST ), XXXX, Chase Bank 's customer service phone system was down at XXXX XXXX. My roommate, also a co-account holder with me at Chase, attempted to transfer funds from his proprietary account at Chase, to our joint account, to cover an overdraft. The aforementioned phone system even put out the message that it was unreachable, that one should try later. My roommate continued to call ( as reflected in phone records ) for over an hour, finally succeeding at XXXX XXXX. By then the date, as Chase arbitrarily defines it, was XX/XX/XXXX, thereby incurring a {$35.00} overdraft fee. This fee should be refunded, since it was still timely at XXXX, and their fault, not ours, that the transfer was late. Moreover, Chase advertised when I opened the account in XXXX, that overdraft fees would be waived if " overdraft is covered the same day, '' not some XXXX XXXX XXXX definition. This was deceptive and invited misunderstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: CT
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: Overcharged for something you did purchase with the card

Complaint:
I had American Express Platinum credit card ending ( XXXX ) offering {$200.00} travel credit each year and the account has been closed in XX/XX/2020. I suddenly got a bill in XX/XX/2020 claiming Amex mistakenly classified two of my purchases as eligible and now they would like to reverse them and ask me to pay {$200.00}. 

I find this charge is groundless. Amex admits this is their mistake. More important, if they had told me this mistake while the account was open, I could have apply the travel credit to other travel related purchases. Also I would have used credit cards by other companies to pay for this charge as I do have other credit cards which would consider my purchase eligible. 

Amex advertises this trave credit to attract consumers to apply for their card. I paid membership fee for these benefits. Their mistake deprived consumers of the right to use these benefits. This is blatant cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was reduced due to an error that was made on my credit profile and bank refuses to fix issue. 

Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A balance is reporting on my XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.

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 2020-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent out a letter dated XX/XX/XXXX to have inaccurate items removed from my credit report. it was Document # : XXXX Those items were XXXX XXXX XXXX and XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. XXXX has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed. 

I would like to have the negative and inaccurate items mentioned above, removed from my credit report immediately because it's causing me financial injury and it's extremely difficult to acquire credit.

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 2019-02-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more money at which time they would determine again if that was enough money. I have asked for an explaination as to why the appraisal cost is so high. No body can answer me. They just say they will submit a request to the PMI removal department, which by the way has no phone number. They give me a date for when it will be recalculated by the first date was supposed to be complete in late XXXX. When I did not hear anything from them by Mid-XXXX I called them again and they said they would do the same thing as nothing had been done so far and this time it would be completed the XX/XX/XXXX. I call the XX/XX/XXXX and they said it would be completed that night and to call back in the morning. I called back the XXXX and they put me on hold then hung up on me. I called back an hour later and they told me they would put in a request for someone in the PMI removal department to call me. It is now theXX/XX/XXXX and I have not heard anything back. They sent me a letter saying if I did not submit the additional {$620.00} within 45 days they will refund the money and I would have to start all over.

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 2020-05-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account with Citibank was placed on fraud alert on XXXX XXXX. Checks were forged and I received a copy of the fourth forged check and the bank is again trying to charge me XXXX from my now closed account and where they are also holding my VA federal funds hostage. This bank knows I didn't forge any check and why are they charging me.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

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 2019-08-12
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXLending Club is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now XXXX XXXX is reporting it as a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NC
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:
XXXX Dispute file previously. Items are still on my report. Contacted Equifax and submitted another dispute and added a freeze to my report. The following items were not authorized by me. 

XXXX XXXX : XX/XX/XXXX Equifax Mortgage XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: LD Holdings Group, LLC
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:
A balance is reporting on my Loan Depot account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Loan Depot and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A payment was made on XX/XX/21 and posted to our account. On XX/XX/21, the payment was reversed without notification nor explanation. The loan servicing was then transferred XX/XX/21. We found out about the reversal when the new servicer had a higher balance and the XXXX payment was overdue. An email was sent to Loancare, the response was to call XXXX. That number does not have an option to speak to a representative. Other numbers of XXXX and XXXX both lead to the same redundant option menu with no choice of speaking to a representative. The fax number of XXXX listed is a message center, not fax. A fax was sent to the XXXX office ( 1 of 2 with a working fax ), the response was Loancare will respond within 30 days of receipt of our letter. The reversal of payment should not have happened and the refund should have been automatic with an explanation. To spend hours trying to get our {$4200.00} back is ridiculous. Their business practices are horrendous. Some customers might not even realize they have been ripped off. Loancare should not be allowed to remain in business.

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 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Capital One closed my secured card account because one of my bank accounts closed. Once a payment was reversed from the closed account, I made a payment from my other bank account that I have been making payments from, I am not sure why they would abruptly close my account. 

they provide this : Dear XXXX XXXX XXXX, We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches zero. 
If you have questions, please call us anytime at XXXXCAPITAL ( XXXX ). 
Sincerely, Capital One EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX, DC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!

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