BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, Equifax reported XXXX XXXX XXXX date of first delinquency was XX/XX/XXXX. XXXX  reported on XX/XX/XXXX that XXXX XXXX XXXX will continue on record until XX/XX/XXXX. Then, on XX/XX/XXXX, XXXX shows XXXX  reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple of years. There has not been any changes. I've even sent a copy of XXXX  deletion of XXXX XXXX XXXX. Equifax still verified everything reported was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX/XXXX XXXX I decided to open up Southwest Airlines chase credit card since I was hearing so many good things. At the time of when I open the account there were two offers going on. I was initially signing up for the offer with XXXX bonus point for spending {$2000.00} in first 3 months and when I received my card and first statement I saw offer that applied to my account was {$200.00} statement credit with XXXX points. 

On XX/XX/XXXX I explained what happen and asked if I can get this fixed. They said they will review the account and send me a letter in next 7 days. After I received a letter stating that they can rebill my account for {$200.00} and add additional XXXX points to match the offer. 

After receiving the letter I called to let chase know of accepting the offer to rebuild my account and add the remaining balance. 

Months later I called for update for not seeing the balance points and I never got a response back. I called customer service multiple times and explained my situation and every time they stated I would get a letter in the mail. 

Today I called XX/XX/XXXX and my call was escalated to a customer service supervisor XXXX at XXXX. He stated there were letters sent I was not eligible and he will not help me. Its upsetting that he was not understanding my situation and was very rude and did not provide a good customer experience. 

I am reaching out for help. I kept explaining that the letter I received is different than what he keeps telling me. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous attempts to get verification about these fraudulent accounts from the three credit bureaus XXXX, XXXX, and XXXX I have never received any response back as yet. These accounts do not belong to me as follows : 1.Medical data systems acct # XXXX 2XXXX XXXX  service acct # XXXX 3.XXXX XXXX XXXX acctXXXX*** 4.XXXX XXXX XXXX acct XXXX XXXXacct # XXXX 5. XXXX   XXXX/XXXX acct # XXXX 6. XXXX XXXX XXXX XXXX acct # 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 2017-11-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX  who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request. 
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 at XXXX XXXX, I deposited {$380.00} cash of XXXX {$100.00} bills and 4 {$20.00} bills into the ATM, then the ATM confirmed the {$380.00} amount and then the message that " processing transaction '' took about 5 minutes and then it said that this ATM was out of service and gave me back my debit card but not my {$380.00} and no receipt either. I called the number on the ATM but they said that my {$380.00} would be on hold for 2 to 5 business days while the claim was being researched. This is unfair that they can't provision me the {$380.00} as credit until they fix their broken ATM machine.

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 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.

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 2018-02-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm a XXXX  XXXX and I was asked to do a background check for a company I deliver to and in my background check shows I have 2 criminal records. It shows they were in XXXX XXXX, but i've never had a criminal record anywhere. I've always lived in XXXX and XXXX XXXX County. I'm trying to remove them from my background report but don't know what else to do. I need this to clear as soon as possible or I may loose my job because of this. I've been working for XXXX XXXX XXXX in XXXX, CA since 2010 and the new route I got is requesting me to this background, but I can not deliver to them because of the Criminal reports in the report. I have attached the Criminal Report I received from XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We went into contract to sell a parcel of land on our property in XX/XX/XXXX. In XXXX of XXXX we notified Carrington Mortgage that we needed a partial release of the lien on the mortgage to complete the sale. We began the process of obtaining a partial release of the mortgage for our property at XXXX XXXX XXXX in XXXX New York. We were told it would be processed by XXXX XXXX the We were informed on XX/XX/XXXX by XXXX XXXX XXXX and Escalation Specialist with Carrington, that there was a problem with the assignments not being recorded. 

There are three assignments missing including the assignment to Carrington who says they hold the note. 

It is now XX/XX/XXXX. We do not have the partial release of the lien. And now we don't know, nor can Carrington prove, that they hold the note. Carrington 's customer service line will not let us through to legal department, lien department or the escalation department so we can not get answers. We have asked customer service reps to relay the message that we need to talk to them but no one returns our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I placed a limit order of {$2300.00} to buy BTC set at a very low price by typo and hence there is almost no chance for the order to get filled. I wanted to cancel the limit order and place a new one, but Gemini doesn't allow me to cancel the order. I submitted a customer service requests but got no response at all. My money has been trapped there for 9 days as Gemini doesn't allow me to cancel the order or withdraw the money. I have right to get back my money since all my deposits into Gemini have been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage with Bank Of America that I have now refinanced because of the situation added insurance on my mortgage even though proof was sent many times to them that I have insurance and never have been without it. I have made at least 5 calls to get this straight with them. My address number changed but everything else was the same. I sent them proof on 2 different times that is the same home financed not to mention every single year before and they never correct the address box number change .I have sent tax cards, 911 change everything possible. I decided to refinance with no issue at all with the address change. They sent me a portion of the insurance back but still owe me back pay of close to {$500.00} that was included in my payoff. I asked to speak with a supervisor and they said she was busy and that she would call me back and never did. I called them again and the person I spoke to and sent my proof of insurance to AGAIN said that it would be taken care of. Never have received nothing from them and here it is going on since XX/XX/2017. I have attached what I have sent them and they always have it on file when I call but still no results.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS XXXX, XXXX, TRANSUNION AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,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 2019-09-24
Company: Security National Financial Corp
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We contacted XXXX XXXX XXXX XXXX in mid XXXX to see about getting preapproved for a VA home loan. They came back said we were preapproved, so we went ahead and put in an offer on a home. We continued with XXXX XXXX XXXX XXXX. We turned in all paperwork they wanted and everything was approved. We had several closing dates but due to what they say was VA inspector report being submitted late it put our closing off. We kept in contact with them everyday, signing all disclsures. We got home owners insurance and a home warranty. We finally got a closing date of XX/XX/2019 at XXXX. They call and said they had to push the closing to XXXX cause their people didnt finish with paperwork yet. So we made sure it was going to happen and they scheduled the closing with title company. We went and got all the utilities put in our name, got a uhaul and began loading on XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX called and said there was a problem with the VA entitlement not being enough for the loan and that they will try to get it fixed but that we may have to change to USDA loan also at 100 % financing and would be approved but itbqould take another 2 to 3 weeks. Meanwhile they knew that our lease was up with our apartment on XX/XX/2019 and we either had to try to renew this late in stage or move and if we cant renew lease or get the house that we would be homeless. He said there was nothing he could do that his people messed up and didnt fully get everything done properly. So now we are out about {$500.00} for utilities and uhaul costs and we may not be able to stay at our apartment which then we will be homeless due to their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
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: Their investigation did not fix an error on your report

Complaint:
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 2019-09-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is the creditor. 

After 1 day past due they begin calling from numerous numbers and calls are often back to back. They also never leave a message and allow you time to respond. They have also called my work number despite being asked to remove that number from their file. 

The calls are incessant and unwanted. I have asked that all communication be through the mail and have had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: SC
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:
After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX  XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS EXPERIAN, XXXX, XXXX AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,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