BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company has been a headache the whole time I have tried to work with them. I completed an application a few months back when they were running a special for a free appraisal and a {$2500.00} credit. They cancelled my application, made me re-apply, and then said the previous deal no longer applied. 

After many discussions, we came to a worse agreement, but closer. 
We began to process the loan. They said I still needed to get an appraisal, even though my LTV was XXXX %. They said this needed to be a full-interior apprasial. 
When they attempted to schedule, I said I wanted to wait - which they said was fine. 

They charged me {$550.00}, which was said to be refundable until I scheduled the appraisal. 

Now, they have once again cancelled my application, this time when it was just short of approval, and did so yet again, without communication with me on their cancellation. They are now telling me that the {$550.00} is non-refundable and that they did a drive-by appraisal. This was not what was discussed and was not approved by me or anyone else. 

This company 's business practices and customer service are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On my first complaint I told TransUnion to delete the accounts on my credit report that say included in bankruptcy because there is no bankruptcy on my credit report and now they want to do an investigation with the creditors. If the information on my credit report isnt 100 % accurate, why is Transunion breaking the law by keeping it on my credit report? On their response to my first complaint they said that accounts included in bankruptcy stay on the credit report for seven years and thats true but in my case there isnt a bankruptcy on my credit report so how can TransUnion violate what the FCRA says about a consumers credit report being 100 % accurate without any mistakes? I am so upset at the fact that this company is acting like they are above the FCRA and that they can report what ever information that they want even when the information is wrong.

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 2019-08-15
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to transfer out the balance from my account, which is {$5000.00} XXXX plus interest ). 

On 3 occasions I have requested this, and the bank has yet to respond. 

I requested this on XX/XX/2019, again on XX/XX/2019, and a third time on XX/XX/2019. 

Simple has not responded to any requests, and their website isn't functioning correctly to allow me to initiate the transfer online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my Experian report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with Experian asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2019, I placed an security freeze on my file with XXXX XXXX XXXX. On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX 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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I have been calling and writing explaining this to Transunion but they keep reporting these accounts. I have told them these are fraud accounts and should not be on my report. I have sent them my ID, police report, & identity theft report in the past with the same 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 explanation
Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive my unemployment benefits thru Bank of America. In XX/XX/XXXX, my unemployment card was used inside a gas station where it was skimmed. Over the course of the next few days, the thieves actually withdrew money from my account totaling {$1800.00} from ATMs hours away from the city where I reside. When the missing money was brought to my attention the day they took the final amount of money ( I had low balance alert ) I contacted Bank of America and the police to report the crime and to get a police report. All of that information was relayed to Bank of America and while the investigation was being conducted they credited my account back the money. The investigation resulted in them permanently crediting my account XXXX letter sent by BoA stating this ) for the total amount of XXXX. 
Months later, with no warning, the money was withdrawn out of my account again. A new investigation was launched and finally after nearly a year I received a letter on XX/XX/XXXX saying that the investigation was complete and they HAD credited my account. Of course, no credit to my account was ever made. 
I have made nearly 5 calls to the unhelpful customer service agents and each time I was told that an escalation had been filed and there was nothing more I could do. And today, I spoke to a supervisor that was SO RUDE, yelled at me and then hung up in my face. 
I feel I am being discriminated against because this is a California Unemployment account and at this point it feels like I am being targeted, played with and disrespected by a billion dollar corporation during a pandemic. 
This bank has HORRIFIC business practices and horrible customer service. No one has really helped me although they have pretended to by filing these escalations that obviously escalate nowhere. The ride supervisor who hung up in my face as I was requesting her name, told me to call back in 5 days if the money wasnt in my account. Im sure it wont be. I have been victimized twice. Once by the criminals who stole my money out of the bank and now continuously by the actual Bank.

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 2020-12-08
Company: WELLS FARGO & COMPANY
State: NC
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, WF CRD SVC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-09-15
Company: Performant Financial Corporation
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX/XXXX/2017, at about XXXX XXXX they contacted a relative and shared personal financial information including my name, social security number, amount of debt, and nature of debt with him without permission or confirmation that they were speaking to the right person. The relative repeatedly told them that he was uncomfortable sharing or confirming my financial information. XXXX shared significant financial information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have not received a direct deposit neither a debit card!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX we refinanced our house and our Mortage with caliber home loans was paid off. We have since sold our home and were scheduled to close this past week, A few days before closing it was discovered caliber never released it. We now can not close since this loan still shows open of record. We are in jeopardy of losing these buyers. In addition we are scheduled to close on our new home XX/XX/XXXX but will have to cancel until we receive this document. 
Myself, and our new title company have both reached out to caliber and they are very unwilling to help us. We even sent them a XXXX label and envelope to send it back to us. All they will do is give us an email address XXXX and say they will get to us in the order of their requests. They will not let us speak to anyone in the department only provide that email. However, the people we have spoken to all verify to us the loan was paid off XX/XX/XXXX so I dont know why they just can not send this release immediately. Its been almost 8 months and we are now at risk to lose the sale of my house and the purchase of our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: NAM National Arbitration and Mediation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a two phone calls from telephone number XXXX on XX/XX/XXXX and XX/XX/XXXX. I called the number and heard a recorded message identifying the caller as the XXXX XXXX and requesting that I leave a message with my contact information for a call back. I had previously complained about a threatening call from this scammer back in XX/XX/XXXX falsely claiming that I owed an unpaid debt to XXXX since XXXX. I was threatened with arrest and a lawsuit if I did not comply with their demands. I reported this incident and I also requested to have my credit report locked to prevent fraudulent charges on my accounts, since the scammer had some of my personal information, including my address, DOB and Soc. Sec. number.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with JPMorgan Chase Bank, N.A. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect is trying to collect on several medical bills that are not mine. I asked them to validate the debt and they sent an break down of all debt BUT they are not mine. There is nothing other than the name and address that links this to me. They did not show anything with Date of birth, or Social Security number. They are only using my name and my name is common. None of the items they are reporting to the credit bureaus are mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my 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 2020-09-01
Company: LoanCare, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my local taxes o my mortgage company, who holds them in escrow until they are due. Typically this is in XXXX and XXXX. I have not had issue with tax payment in over 8 years since I purchased my home. On XX/XX/2020 I received a notice of lien on my property for non payment of the XX/XX/2020 tax payment. I immediately contacted my mortgage company who requested to have a copy of the lien notice email to their payment research department. They indicated the payment had been sent in XX/XX/2020 and provided me the check number. I sent the document that day. After no response I emailed the payment research email address again on XX/XX/2020 after confirming with my town office they had no record of payment. After again receiving no response on XX/XX/2020, I emailed again and called. I was advised that it was still in research but they would escalate the request. On XX/XX/2020 I spoke with a supervisor after receiving my annual escrow statement which contained a check for overpayment. The supervisor advised me to cash the check and make an escrow only payment. I advised I would not do so as this would not resolve the tax issue. She agreed and advised would again escalate the issue and promised a resolution by the end of XX/XX/2020. She advised the lien would be lifted and my credit report would be corrected. She promised a phone call by the end of the following week. On XX/XX/2020, after no phone call, I called the company again and spoke to a member of leadership, she determined that the check sent in XXXX was returned to the mortgage company by my town office. We conferenced in my local town clerk who had no record of a check being received much less returned. They exchanged contact information and I was again assured by the mortgage company that I would receive a follow up call and full resolution within 7-10 days. XX/XX/2020 I called my town office to discover no payment had been made and there had been no contact from the mortgage company. I called them again and spoke with a supervisor who told me tax issues can take time. I was advised there was nothing more that could be done, they would research and call me back. I voided the check for overpayment and sent a photo confirmation to the payment research email address as instructed by the supervisor I spoke with on XX/XX/2020. My XXXX has dropped over 20 points, my property still has a lien, my taxes are 8 months past due and I have spent countless hours getting absolutely nowhere.

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 2021-03-26
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.

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