BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: TN
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX  XXXX, XXXX/XXXX. I have contacted the police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage on XX/XX/2020 and was told our escrow balance would be refunded within 10 days. 
Now they are telling me it takes 60 days because they need to verify taxes and insurance have been paid this year! Insurance is due in XXXX and taxes are due in XXXX! 
This makes zero sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions 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:
Please reference XXXX It was closed because Experian Lied and said those items aren't on my report. I'm looking at my Experian report and see all 4 Bankruptcies on there. 

I took it a step further and called Experian at XXXX XXXX XX/XX/2018 and asked if they see the items on there. Experian confirmed they are on there. 

This is why consumers are so frustrated with all 3 bureaus. They wear us out with endless canned responses until we just get tired and quit. 

I hope you can fix this.

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 2022-02-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted ALL Requested Documents by SHELLPOINT, the Loan Servicer, for a LOAN MODIFICATION, on XX/XX/XXXX / 2021 Per XXXX XXXX ( XXXX ) instructions we E- Mailed all Documents to the SHELLPOINT Loss Mitigation Department XXXX on XX/XX/XXXX / 2021 A total of 27 files. 

On XX/XX/XXXX we received a letter from Shellpoint stating we did not take steps to resolve this issue therefore FORECLOSURE PROCEDINGS are being implemented. 

REF. LOAN # XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX SHELLPOINT MORTGAGE CO. 
XXXX : XXXX XXXX replaced by : XXXX XXXX, TEL # : XXXX XXXX XXXX and XXXX XXXX XXXX E-Mail : XXXX Best regards, XXXX XXXX XXXX ( XXXX, not available at the moment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX " SHELPOINT DID NOT REVIEWED OUR DOCUMENTS " SEE 2 ATTACHED FILES FROM A TOTAL OF 27 FILES SUBMITTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: SUNTRUST BANKS, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I need statement copies for my checking account with Suntrust, now closed. These documents include from account opening until closing. These are needed for accounting purposes.

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 2019-10-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I got a phone call about our lending company, Navient, that there is a lawsuit against them because of mishandling of student loans. 
We have had this loan for approximately 17 years and have been always on time with payments. 
I would like information if possible about this lawsuit. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, they are reporting it one my credit that it was opened XX/XX/XXXX. It is showing a balance of {$1300.00}. This is incorrect. When I opened the account the balance was {$1700.00}, I put a down payment of {$700.00} leaving my finance amount at {$1000.00}. I had automatic payments coming out of my account in the amount of {$130.00}, which paid the balance pretty much in full. Also, I never received any notification allowing me to dispute the validity of the debt, it just appeared on my credit report. I have disputed this information several times with the credit bureau, but XXXX XXXX refuses to correct their error, and they did not give me a c chance to dispute the validity of the debt.

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 2017-07-13
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On today XXXX XXXX, 2017 when I logged onto Big Picture Loan website to verify that my {$400.00} loan was paid off I noticed that I had a high interest charges that was doulble more than I borrowed which was not explained to me in detailed when I recieved the {$400.00} loan. So I called and was placed on hold for almost 15 minutes when I requested to speak to a supervisor. When I did get a supervisor it was a woman by the name of XXXX who got on the phone and asked me to verify my info name, date of birth, and address and she stated that the date of birth I gave her was incorrect in their system and then she asked for my driver 's license # and I stated to her what does that have to do with my complain about the interest on my loan. She then put me on hold and transferred me to another woman by the name XXXX who was not a supervisor and still who could n't give a good reason for the high interest rate. My loan was taken out in XX/XX/XXXX and they have taken a total of {$99.00} about XXXX times from my account since the loan which caused my bank account to be overdrawn. This is illegal here in the state of Florida to charge this type of interest rate and has put me in total debt. To top it off neither person I spoke with was willing to settle this issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
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: Account information incorrect

Complaint:
I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX of 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into 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 2016-04-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
incorrect account on my credit report does not belong to me I am not legally bound to this account XXXX balance owed as of XXXX/XXXX/2016 {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX XXXXXXXX decided last XX/XX/XXXX, to suspend my account ( even though they owe me money for back pay ) because I receive additional income of about XXXX XXXX dollars a month and they were trying to allege I owed them money for overpayments. So for the last two months Ive been going back and forth with them and they delayed my usual monthly deposit until XX/XX/XXXX. 
So about four of my scheduled ach transfer bounced. My bank, Wells Fargo is charging me like four or five hundred in fees and I never agreed to pay for the overdraft protection plus they claim that after the third or fourth overdraft they simply reject the automatic debits or electronic checks or whatever. I have problems with them because they have mismanaged my accounts many, many times before. Double charges to them causing the overdrafts by them double charging or repeating the same debit twice. Im constantly looking to see every month what they did. Id like them to credit my money back so I can change banks. 

Thank you 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 monetary relief
Consumer complaint received 2022-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My mother passed away in XXXX of XXXX and Im still in shock! I filled out forms requested by her insurance company in XXXX of XXXX. I mailed them in but wasnt sure when I or my bank, Chase N.A., would receive the payment. I was still numb! 
I walked into my bank on XX/XX/XXXX or XXXX, to find my account was closed and the woman who closed it had also opened it and she was angry with me. I threatened to call the police because the manager handed me an internal statement that showed an enormous deposit and he kept telling me there was no funds in the account. 
Ive contacted Office of Personnel management, but they tell me absolutely nothing over the phone and they are located in Virginia. The deposit just vanished. Ive contacted the Federal Bureau of Investigation. You are another resource in case they tell me they can not help. I also filed a complaint with the comptroller of the currency in New York but I may have gone to the wrong department. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
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:
citi bank is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to citi several times and received NO reply from them at al ....

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 2022-10-04
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During our mortgage process with USBank, we received an initial disclosure where it showed our interest rate@ 5.5 % - With no rate lock. Date - XXXX/XXXX/22 We received another disclosure, with a change of circumstance letter that had absolutely no information, where our rate was 5.875 % without having to buy any points and the rate was locked until XXXX/XXXX/22. Date XX/XX/22 We received no information regarding what changed in our circumstance -- but we accepted this change in rate. 

On XX/XX/22 - We received yet another Change of Circumstance letter, where our rate was now 5.875 % but with us buying points in order to get there. Otherwise, the lender told us it would be 6.5 %. 

When asked why the rate lock was not being honored -- the Lender simply said " There was a technical glitch '' and that they were unable to honor it. It was a " Freak accident '' and only impacted my mortgage. There was no justification regarding my change of circumstance -- as our home had actually appraised much higher than we paid for it, and my credit score DRASTICALLY improved since their initial check. 

Asking for more detail, our lender failed to respond, and was incredibly difficult to contact. Evasive. Ultimately, the best they were willing to do was get us to 6.125 %. Arbitrarily. 

I contacted my attorney and they said that this was something they had seen several times before, where a lender would " Float '' the rates, and hope it would benefit them. Meaning the market rates would drop, and I'd be stuck with 5.875 %. In this case, the rates went up, and they didn't want to eat the difference, and pay for the points themselves. 

The lease on our current apartment had expired, and we had no choice but to move ahead with the process -- coupled with the fact that the mortgage rates were continuously rising -- this incident is going to cost me tens of thousands of dollars over the term of the loan. The lender was completely in the wrong, admitting so numerous times, but only offering that " Theres nothing we can do ''. 

Others I have spoke to urged me to contact the CFPB to help make this right -- as it has made the beginning of my homeowning experience incredibly disheartening.

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 2022-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received an adverse action letter from XX on XX/XX/2022. I already had a pre-approval from some other company. I didnt authorize this transaction and I informed XX company that I, consumer and natural person reject their offer of decline. Pursuant to USC 1691 ( a ) ( XXXX ), if one operates in good faith they can not be denied an extension of credit. My certified letter was sent XX/XX/2022 which provided details on the allotted time to respond to my counteroffer. XXXX XXXX is aware that the consumer credit transaction was already completed however there was no benefit for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that capital one is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The capital one accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for {$500.00}. I was offered by capital one during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of capital one. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a conventional loan, so legally the PMI should have come off when we had the loan paid down to 80 % by request, or 78 % automatically. This 78 % threshold was reached approximately three years ago, we are now down to approximately 60 % of the loan, the mortgage company ( PNC ) only stopped the PMI off last month after we called them about it. They are not repaying us for the extra PMI payments we have made over the last 3 years, they also appear to have misfiled our mortgage as a FHA loan in the fact that on our statements it shows up as MIP payment instead of PMI as it should say for a conventional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi, XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. 
I would like the negative items removed they are impacting my score. they don't belong to me. I don't know who they belong to but they are not mines and my score is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX 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 2017-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX XXXX # XXXX this account is not mine, and XXXX verifies with Experian with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this 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 non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation