BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a text message that my checking account with Chase bank was overdrawn, I went to Chase on line to see why my account was overdrawn, I was shocked to see that there were numerous of charges debited on my account to XXXX XXXX in different amounts. I called the bank and spoke with XXXX in dispute & resolution on XX/XX/XXXX. XXXX told me that the charges went further back that 60 days and that I would only be credited for the charges form the last 60 days, I was disappointed with that information, but decided that it was better than no credit at all. On XX/XX/XXXX I received a text say that my account was overdrawn again. So I went on line and saw that the credit had been reversed. I spoke with agent XXXX and she told me that since I had not reported the charged in XX/XX/XXXX the bank was denying all the charges. I explained to her what I was told by XXXX previously. She said that it did n't matter. I requested to speak with a supervisor, her name was XXXX, she said that federal regulation bars Chase Bank from crediting me any of my money that someone took from my account. I have read CFPB and that is not what it says. I was told by a bank employee that I would be credited the last days. I never received an notice of the decision to take the funds out of my account, which is required by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in  the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX Dispute - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-06-01
Company: Red Tree Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in contract to purchase a home and my loan is with Red Tree Mortgage. I have been working with XXXX XXXX and her manager XXXX at XXXX has not been responsive to my inquiries. 
XXXX XXXX Senior Loan Officer T. XXXX XXXXXXXX NMLS XXXX I was supposed to close on XX/XX/XXXX and still do not have a conditional approval letter. I received a pre-approval dated XX/XX/2020, and just found out on XX/XX/XXXX, after the first contract extension about the conditions that I needed to meet the requirements of a full approval. I expressed to them that I have to be moved by XX/XX/XXXX and now find myself having to pack my stuff and try to find storage. If I have to pay to move twice due to the negligence of them, they need to be responsible for the cost associated with it. 

I need for them to get my loan through underwriting before I lose the home I am supposed to move into. If, for any reason at this point I am not approved for this loan, they need to reimburse all of my expenses associated with this process. I am beyond frustrated by the things they are asking for, some of which are obvious from the credit report. Such as, the XXXX bill that has been paid in full and has a zero balance on the credit report. They now want proof that the dispute has been removed. Why does the dispute need to be removed when the dispute was prior to the balance being paid off, which shows the resolution was to pay it in full. 

Please help me resolve this situation so I will not be homeless at the hands of Red Tree Mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collections account from National Credit Adjusters. I reached out to this institution via phone # ( XXXX ) XXXX twice on XX/XX/2020. Both times the call was dropped once I expressed I needed my account # dispute this fraudulently account. I advised I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism. I have attached an identity theft report as well to reflect this account was made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2016-06-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Nationstar has not provide correct information about my account since the first transact XXXX 2013. 
They opened a new account XXXX 2013. I was not provide a payment schedule, coupon book. 

I have faced tremendous loss since XXXX 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: IL
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:
just checking my credit report and noticed accounts and inquiries that doesnt belong to 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 explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 'm not sure if this is the same debt that was tried to collect from agency XXXX XXXX XXXX a few months ago I think it is an the debt is not mine it was opened online I sent in paperwork to show that my identity had been stolen as well as proof the account they had deposited the money in was not mine. I have no contract or agreement with XXXX XXXX XXXX or the current owner ( National Credit Adjusters ) of this account I 've requested information with my signature along with any other documents they provided nothing. This account was sold by the original owner cause they could prove this was my account by that being done the original creditor sold the debt to this agency so they forfeited their rights to collect any money from me. They need to remove this from my credit reports right a way an stop selling the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 completed several disputes to XXXX, Transunion XXXX XXXX on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.

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 2019-08-20
Company: Experian Information Solutions Inc.
State: FL
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 Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts

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 2019-08-20
Company: EQUIFAX, INC.
State: FL
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 Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: Gatestone & Co. International Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is called Gatestone and is based out of XXXX, AZ. XXXX XXXX is the only name of someone I spoke with that I remember. I receive calls at MINIMUM 2 times a day. My family memebers have each received several calls from this company and have told the company to no call back but they still do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lost income in XXXX due to COVID. Got forbearance approved for 3 months which ended in XXXX. Sent in loan modification application and required documentation mid-XX/XX/2020. Called multiple times and talked to several customer service reps and the information they provide is always different. The only person in charge of taking action is a person named XXXX XXXX ( ph XXXX, email : XXXX ) according to a few reps. Called XXXX several times, left voicemails, sent emails but she never responded in 3 months. Complained to other reps and they always say that they put it in there and she has to call back in 24-hrs, but she never does. They also see notes that she tried calling me and I didn't answer. But I never received her calls nor she left any voicemails. No supervisor ever called or emailed back either. I got another job but my income is not sufficient to meet the mortgage payments, and I am hoping to get the loan modified ( current rate is at 8.25 % ), but Shellpointe is being extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Health Savings Account is with Truist. I have been attempting for nearly 6 months to obtain a debit card so I don't have to come out of pocket for medical expenses. Repeatedly they tell me the card is coming, repeatedly it does not come, repeatedly when I call they say it was lost in the mail. This is true even after I asked Truist to send the card to a local branch. 

Not only that, they have charged me a {$5.00} fee for this card, which I have never gotten. Most recently, they took my complaint and said the card would arrive in 4-6 weeks to my local branch. Since then I have expended several XXXX dollars on medical expenses for my wife and me, all of which could have been covered by the HSA account.

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 2021-02-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is incorrect information regarding our tax payments for our escrow account. Money is being deducted from our account that is not applied to our tax balance. They have made late payments for county taxes after I submitted correct information 90 days prior to due date and it was still paid late and the late penalty assessed to me. When I call for updates, they say they are researching and waiting for my county to respond, but the county has responded to them and nothing has been done. They are being very difficult and charging all these fees against my account. I am concerned I will not be reimbursed for these unnecessary charges and am getting nowhere with customer service after several months of trying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CL Holdings LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In 2018 debt own with XXXX XXXX  NOW ITS WITH COLLECT AGENCY JEFFERSON CAPITAL SYSTEM AT XXXX ... XXXX I was going through a divorce and I had this credit with XXXX XXXX and its was a XXXX limit and now with the fee its at XXXX I contact XXXX  XXXX to inform them of my current substitution and the agent for XXXX XXXX  could not help me they had forward my account to this agency I try to explain that the card with them was that I supposed to had protect its was provide with the card in case a customer card not paid and they agency said I was told it was to late for that program and to contact the collect agency but I don't have a account with JEFFERSON Capital System.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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: Reporting company used your report improperly

Complaint:
The current hack of Equifax has exposed mine, and many, many other citizens to potential identity theft. Due to Equifax, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove the account from my credit report..I have no business transaction with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2016-09-09
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is charging me bogus fees for no reason, I 'm not late, completely current and paying extra every month on my loan and since XX/XX/2016 they 've charged me a ttl of {$90.00}. They are SUCH a horrible company, they can not tell me what the fees are for, they should n't be allowed to do business.

Company response to consumer: Closed with explanation