BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied : XX/XX/20 Rate Lock : XX/XX/20 Sent to Underwriting : XX/XX/20 Approved : XX/XX/20 Rescinded : XX/XX/20 I was completely upfront about the details of our situation. We paid cash for 2 homes and were looking for a cash-out refi. We were told that this would not be a problem by several employees. They told us they could close faster and were willing to match a competitors rate, so we chose them. 

After 60+ days and countless hours of work of going through the approval process, including a lock extension due to their delays, they decided to rescind the offer for the loan. I was originally told the offer was being rescinded because the loan would not qualify for XXXX or XXXX, however, when I presented evidence that the loan would still qualify as a conventional loan, they said they did not want to honor the contract because a delayed financing loan would be harder for them to sell. 

We had already been officially approved and were only days from closing. This had nothing to do with our credit, home appraisals, or financial situation. When I spoke with them, they said they were very sorry for the miscommunications, but were not willing to honor their offer. Unfortunately while waiting on them to change their mind, rates have gone up almost half a percent and I can not go back to the other lenders who were seeking to finance our homes. This has cost me tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a notification from a credit monitoring service I subscribe to that my store card account with Best Buy had been closed by the bank Citibank. I received no notice from the bank that they were going to take this action. I am currently in the process of trying to purchase a home and now that this long-standing account has been closed, I may not be able to secure a mortgage due to the change on my credit report. If I had received some notice, any notice, I would have taken action to prevent its closure. I spoke with someone from the bank 's customer service and the first person I spoke to advised me that an email had been sent to me in late XXXX. An email that I never received. The second person I spoke with stated she could not see any email being sent to me. The third person I spoke with said that letters were mailed out in XXXX and XXXX. Letters which I never received. If I weren't in the middle of buying a home, I probably would have let the account close. But because everything is reliant on good credit nowadays we are basically at the whim of the banks. I try to be a knowledgeable financial products consumer but when a financial institution decides to close an account without regard to how that may impact consumers, there's very little that we can do as consumers.

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 2021-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY Reported : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I paid off my student loan on line. It is through a company that doesnt seem to know whether its coming or going unfortunately. I went to their web site and paid off the total amount it gave me for an unsubsidized and a subsidized loan in of {$9800.00}. The website didnt like that amount it directed me to make individual payments for sub and unsub loans. I followed instruction and made a payment of {$6300.00} and then a payment of {$3500.00}, I received conf # on both transactions. On XX/XX/XXXX my parents found their account was over drawn and had a service charge of {$34.00} for returned checks. Naivet had taken all 3 amounts, the first total amount the site didnt like of {$9800.00} was withdrawn. Additionally the 2 individual amountswere also taken. They owe me {$9800.00}. They were very quick to put a mark my and my moms credit. They are incompetent when it comes to correcting their own mistake! Today is XX/XX/XXXX. I have called them5 times been on hold most of the day or on line there is never a real answer. Give it another week ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don't seem to want to accept a settlement agreement. They're more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I'm trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Account reporting on my credit report and it been past the 7 year time frame for account to show on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CITIBANK, N.A.
State: FL
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:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CBNA/XXXX XXXX XXXX Account ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) XXXXl XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you

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 2018-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
HI MY COMPLAINT IS ON EQUIFAX SUPERVISOR NAME LAMONT HE IS FROM NEVADA ID NUMBER ( XXXX ) ... HE IS VERY DISRESPECTFUL, HE DENIES ANY KINDS OF DOCUMENTATION PROVIDED TO SUPPORT MY DISPUTE. HE GIVES YOU FALSE INFORMATION BY MISLEADING YOU NUMEROUS DIRECTIONS. BUT ONCE TRYING TO GET THE DOCUMENTATION HE NEEDS YOU END UP NO WHERE BECAUSE HE LIES JUST TO GET RID OF YOU I AM A VICTIM OF IDENTITY THEFT AND I'M BATTLING XXXX FROM BEING VICTIMIZED HE DOESN'T TREAT SITUATION FAIRLY UNDER THE FCRA LAW. HE COMPLICATES THE SITUATION MAKING IT EXTRA HARD TO REMOVE FRAUDULENT ACCOUNTS I HAD TO CALL COUPLE OF TIMES TO EQUIFAX HIS MAKING A MOCKERY OUT OF MY CASE SAYING YOUR FILE IS NOTATED I CANT HELP YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020I opened an auto loan with Credit Acceptance Corp in the amount of {$7100.00}. I made all payment the day before they were due. The auto company I purchased the vehicle from ended up going out of business in XXXX and never paid the lien that the XXXX XXXX XXXX had against the title therefore Credit acceptance was never able to obtain the title. I still made my payments until XX/XX/2020 when Credit Acceptance shut down my account and told me to continue dealing with the Ohio AG office ( which I did ). The vehicle is now back in possession of the original lienholder XXXX however even though Credit Acceptance closed my loan and returned my money that I paid, they reported to the credit bureaus as me being 120+ days late on a payment. Ive talked with them and they dismiss my concerns or tell me they will look into it and call me back. It needs to be removed from my report! They closed my loan, gave me my money back and the vehicle was never in their name or possession and has since been returned to XXXX! help!

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 2021-05-01
Company: Diverse Funding Associates LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-01-29
Company: JPMORGAN CHASE & CO.
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:
The inquiry was made on XX/XX/2018. No loan was secured and no vehicle was purchased. A letter was written to try in have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: WA
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:
These are not my accounts, nor is some of the personal information correct regarding my addresses and name. Additionally, I did not authorize any of these merchants to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear sirs : Good evening. In XXXX, XXXX, XXXX I call Bank of America trying to get copies of the Credit Card Year-End Summary of year XXXX and XXXX of two credit cards whose account ends in XXXX and XXXX. They said that I was no longer his client and they cant provide services in connection withe the close credit card accounts. I said that this policy is discriminatory against the past clients

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited electronic check to my chase checking from family member of {$970.00} which is from XXXX  XXXX XXXX. This activity in my account is COMMON. they have now placed a 10 day hold on this check. Inquired and this is response recieved. 
Hello, Thank you for contacting us. We understand your concern about your account and will be more than happy to help you. 

A hold can be placed for a variety of reasons, including when the deposit differs from the usual banking activity for you or the issuer of the check. Each hold is confidential and handled on a case-by-case basis. The money will be available on XX/XX/2020. 

If the deposit is returned to us unpaid, we'll deduct the amount of the check from your account and charge a {$12.00} Deposited Item Returned Fee to your account. 

For more information about the hold, sign in to chase.com and follow these steps : 1. Choose the tile for your account. 

2. Review the " On Hold '' section for details about the hold and when it should expire. 

You can also see hold information on the Chase Mobile ( R ) app ( 1 ) or chase.com mobile site. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 

Thank you, XXXX Chase Email Servicing ) This response is not only disengenous it is insulting to threaten with a {$12.00} return fee which had nothing to do with my inquiry. 
After responding back to their pathetic response which was immediately addressed are now saying can take up to a week for further response.Predatory practices and game playing during a crisis we are in is reprehnsible and danderous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX credit, global lending Please if someone can assist me with this i've been trying for months with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: WA
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 have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/21 I was contacted by a XXXX XXXX XXXX Their attempt was to collect on a debt that is past the statue of limitations in my state of Texas. The JXXXX XXXX XXXX is willing and knowing violating Section 16.004 of the Texas Civil Practices and Remedies Code that clearly and plainly states that the Statue of Limitations of Debt in Texas is 4 years. They are also violating Section 392.007 of the XXXX XXXX XXXX that clearly and plainly states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. The have failed to provide me the required notice and detailed in Texas Law. I have advised them of their violations and they continue to harassment me. I have sent them another notice to cease and desist as recently as XX/XX/21. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I contacted green sky when COVID-19 affected my income. I was granted a forbearance, and upon the end of they I contacted green sky to let them know my heart ship. They said they can and will work with me on obtaining one payment. I borrowed the monthly payment they asked for, made the payment, and the forbearance was never granted. They only applied my previous forbearance as late payments to my credit file and add late fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: On-Site Manager, Inc.
State: WA
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:
XXXX2018 was denied an apartment on background stating court action against me in regards to 2 homes I was renting. records should show acknowledgement, missing was I factually Had Lease that should of been legally honored and presented.by myself and attorneys handeling the cases.It does not show evictions or any fees owed.my sons also had backgrounds done and paid for showing no issues on the paperwork we saw but were also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capitol one placed a missed payment on my credit card account. They said I missed a payment and made my account delinquent because I missed a payment on XXXX!!!! And today is XXXX 2020! On XXXX I applied for a Walmart capital one credit card for XXXX. I received a notice on XXXX telling me I was declined because I have a delinquent strike on me from the recent missed payment of XXXX! And once again I applied for the card in XXXX. This is absolutely ridiculous! I am asking for help please to make this right! I have my payments on auto payment. And have never missed a payment in my history. I was very embarrassed. I feel it is the same reason I was turned down for a XXXX XXXX card I applied for in person at the store counter 2 weeks ago. I dont know how long the delinquent charge has been showing. All I know is it is there.

Company response to consumer: Closed with explanation