BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: Mortgage Research Center, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my VA loan through Veterans United on XXXX. 
A credit check was run on myself and my wife on that day. At that time a list of our accounts, balances, and other credit information was made available to Veterans United.

My wife and I have an FHA Title 1 loan that is clearly listed as an account on our credit report and Veterans United was aware of this account, its balance, and all pertinent information on XX/XX/XXXX. 

As part of the refinance I was required to have an appraisal and termite inspection on my home. 
The appraisal was completed on XX/XX/XXXX and submitted to Veterans United on XX/XX/XXXX - I have included proof of when it was received by Veterans United.

The appraisal included the fact that there were multiple structures on the property ( a wood frame outbuilding as well as the main home ).

I heard nothing from Veterans United regarding the appraisal nor did I recieve any further instructions on a termite inspection. The instructions I last received were to order a termite inspection for my home. 

Eleven days after Veterans United received the appraisal listing the outbuilding, I purchased a {$250.00} termite inspection at my expense and submitted the documents to Veterans United.

The following day Veterans United contacted me and stated they required me to purchase a SECOND inspection on the outbuilding - another {$250.00}. 

I ordered the second inspection on XX/XX/XXXX for XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX from Veterans United called to inform me they could not go any further with the loan because of the FHA Title 1 loan.

Veterans United knew about that loan for SEVEN weeks while wasting hours of my time asking me to collect documents under the impression my loan was moving forward. They also wasted hundreds of my dollars directing me to order and pay for needless inspections.I had to use PTO from work to accomodate appraisals and inspections because Veterans United failed to perform even the most BASIC due dilligence on my account.

No financial variables changed from the beginning of the loan process to the phone call I received stating it would not be going any further. I did nothing to disqualify myself.

Veterans Unit failed to perform due dilligence on my information and negligently led me into the mortgage refinance process resulting in hundreds of dollars lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This home depot card I have had since 2009 and never missed a payment as reflected in my credit report.  I went online recently this summer to manage a return and somehow the site made me click a box to proceed which also , in my opinion misrepresented, that I was signing up for online statements. I do not want online statements. I use paper statements each month and I like to pay my bills when they are sent to me. I have a very good track record of doing just  that.Because of this , I never received my regular statement and now I show a 30 day late for home depot which is false. I should not have this. I never asked for my statements to be switched.  This to me is unfair and not a good practice.  I want the 30 day late removed

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 2022-10-14
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have called Ally bank several times waiting an hour each timeAnd have not received a response. They apparently do not answer the phone or have enough personnel to answer therefore I can not have my mature CD sent to me by direct deposit.

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 2018-08-06
Company: Bryant, Hodge & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In the last 60 days I began to receive calls from this number, XXXX. I did not answer. They kept repeatedly calling. I answered the call and they told me they were with Bryant Hodge and Associates and they were trying to collect a bill. I informed them I did not know what they were talking about and to only correspond with me via certified mail. They kept talking and I hung up. They called me Saturday before last three times within 10 minutes. Each time I told them to stop calling, remove me from their list and to only communicate via Certified mail. They called again today and acknowledged that I had asked them repeatedly not to call and yet they were calling. I told them I was contacting the CFPB today and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX  XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents

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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I requested to have my CD Account that I opened 3 years ago with Chase Bank. Upon trying to close this account, chase said that because I can't go to an in person branch, because I live an hour and a half away from any, I would have to get a notarized letter of wanting to close the account. This was all on XX/XX/2023. The same day, I got a letter notarized and emailed it to the associate I was assigned. He never said anything or confirmed receiving it. On XX/XX/XXXX, I reached out to ensure he got it and he said he did and quote, " The account should close in 3 business days, after the account closure you should receive a cashiers check within 7-10 business days. '' By XX/XX/XXXX, I still had not recieved anything. No update, nothing. The associate reached back to me and said : " I spoke with my back office regarding the delay for closing your CD and having a cashiers check issued. The notarized letter you provided was valid and the request that I submitted was valid and received, but no actions have been performed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is responsible for closing accounts that can not be closed in a branch. 



I had my back office submit an Escalation Request regarding the delay for closing your CD, the Escalation team will contact me within 3-5 business days or sooner to help resolve the issue. I do apologize for the delay by the XXXX XXXX XXXX XXXX and I will keep you updated as I receive updates from the Escalation Team '' The escalation team reached out to me a few days later but was no help. It was a foreigner who did not know what he was doing and only called to tell me that it would take the escalation team 5-7 business days to " investigate ''. Well, about a week later, he calls me again to tell me that the problem is that I did not send a notarized letter to close the account. I did, and it was confirmed on XX/XX/XXXX. I told him this and he said that they would have to investigate it again, and it would be another 5-7 business days. 

That was XX/XX/XXXX. I reached out to the original associate working on the case to express my discontent with how this is being handled and asked to speak to a manager or supervisor and never got any response. It is now XX/XX/XXXX and I have not recieved any information or update, essentially being left in the dark about MY money for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Selene Holdings LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in disagreement with the items listed which still appear on my credit report, even afte r your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX @ CFPB - Id been a happy customer of Amex for many years, and AmEx remains one of the great pillars of the industry in my mind. My customer experience with Amex has been almost entirely first-rate, but I've unfortunately been unable to resolve my issue through customer service or the office of the executive, XXXX XXXX. 

This past summer ( 2019 ) I excitedly added the redesigned Gold Card to my wallet. As part of the advertised Welcome Bonus, after validating my first three Statement Balances collectively exceeded {$2000.00}, I expected to see XXXX reward points credited to my account. To my surprise and disappointment ( citing some buried Terms ; mostly about the exclusion of the card fee and technicalities around the dates of the promotional period ) the customer service and compliant reps I spoke to did not agree with my perspective, that the marketing of this card was deceptively incomplete in comparison to the Terms, and they declined my plea for an account credit of the welcome bonus. 

While I have since closed my Gold Card account, I am still optimistic that a reasonable reexamination of the marketing communications, as well as my account history, would show that I am operating in good faith and with a reasonable interpretation of the marketed offer. Im also hopeful that the damages from the withheld Welcome Bonus will be delivered with an apology for the misleading communication and arduous customer experience to receive merely what was promised in the advertisement ( especially after upholding my end of the spending threshold as advertised ). Any help the CFPB might provide in resolving this issue would be tremendously appreciated. 

Very Respectfully XXXX XXXX Account Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: CT
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:
EXPERIAN has failed their GRAVE DUTIES under Tittle 15 USC 1681. Experian is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act EXPERIAN IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. EXPERIAN has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. EXPERIAN is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit 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 non-monetary relief
Consumer complaint received 2021-06-30
Company: ALLIANT CREDIT UNION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: U.S. BANCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
US Bank is reporting a paid past due account incorrectly. They are reporting that the account was closed at my request. This is incorrect. US Bank closed the account. They can't provide proof of their claim, so this item needs to be corrected or removed from my credit report.

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 2018-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I am showing this account several times on different reports but I am noticing once the account appears to be sold, the open date is constantly changing. This account originally appeared over 5 years ago so it is impossible for this account to just be opened XX/XX/2018. I do not feel it is right to keep reselling a debt and then changing the open date on it. This is a violation of the FDCPA and this is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I called the free credit score company about a charge to my card from them. They told me that my information wasn't in the system. So he asked me for the first 6 digits and the last four digits of my card number. I gave it to him he said that the card number is there. But it's not with my name, it had someone else name on there that I didn't know. I asked him if I can speak with the supervisor about the situation, he told me that I can't cause I don't have an account with them, but they charged my 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 2023-08-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a hardship application in XXXX. No one reached out and I called back in early XXXX and found out that the app wasnt completed to their standards. I resubmitted the app but received another letter on XX/XX/XXXX requesting that I send in an application, as if they never received the one that was sent on XX/XX/XXXX. This company is giving me the runaround and I intend to sue at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: MCLEAN MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our place recently. The closing documents we received from the title company contain blank forms with only a signature, missing notarization, and lastly with regard to the termite inspection is inaccurately completed. E.g. the name of the pest control company on the form is completed with the mortgage companies name. We've asked the lender multiple time for an explanation and none has been provided. The lender claims " the loan is closed '' and there's nothing to do. We've asked the lender to resolve these errors and they are refusing. They've asked us " what's your motivation? '' " what answer are you looking for '' via a phone call last Friday. I response that I would like them to respond one of two ways : 1 ) There was a clerical error and we will correct it. 2 ) There is no error. The latter of which, seems suspicious since other council to us has advised that these forms are required for a VA loan and certify appropriate housing conditions & new home warranty. If the lender will not provide the completed documentation, this seems fraudulent - we would like this resolved by having the errors corrected and new completed documentation sent to us. We are also asking for the completed closing package that the bank has for us to make sure those documents match what we returned to the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recent just start off with the bank me and fianc only had it less in a week, my account was hacked and compromise they sent me letter the mail saying it was a check deposit XX/XX/2019 large amount XXXX ... regions didnt tell me and fianc they had a data breach going on. My fianc account was hacked as well they try too blame her for begin responsibility but she was hacked as well they got data breach compromised they know it but didnt tell us bad company they closed my fianc account aint do nothing about it this bank need be closed they are unprofessional I was wondering why they dont get a enough business ... .they are not caring bank I want me and fianc shouldnt deal no comprised on a bank that dont care or try too help us its sadden we feel unsafe with our ssn numbers if our account on compromised ... something need too be done we shouldnt have pay no fees nun we need our money back and refund

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 2022-09-12
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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