BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took  XXXX  points off  my credit score and I  am in the process of closing on my house. My first payment is n't due until  XXXX . As it stands, I contacted  XXXX   XXXX   XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out  XXXX  Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied to assume a mortgage for the home I live in. This home was my father 's who passed away without a will. I hired an XXXX to take care of the " Transfer of Property '' and/or " deed '' for the home. In the state of Indiana the legal document is a " Affidavit to Transfer Real Estate ''. This is due to not being able to go to probate court ( not enough money in estate ), also my father is not alive so he obviously can not quit claim the deed to me. 

The Mortgage Company Select Portfolio Servicing , Inc. ( SPS ) underwriters are not accepting this legal document in the state of Indiana for the " Transfer of Property ''. 

They are now foreclosing. My XXXX has been in contact with their ( SPS ) XXXX  he asks for the same docs the XXXX ask for, I have sent them numerous times. 

I have submitted every document needed many times. I have called the Mortgage company 100 's of times, I have contacted the ombudsman several times in regard to the XXXX not accepting this legal document that is my Transfer of Property, and/or deed. 

XX/XX//22 Spoke to supervisor XXXX XXXX came on she stated below : Need following documents : Underwriting needs Document transfer of property- In order to get a Transfer of Property my father would have to have done this before he passed. Father is deceased without a Will I can not get for obvious reasons. 
XXXX told me the only way is to refinance b/c I can not get the above document SPS = They do not refinance They will not assume without the document transfer of property. 

Law States I can assume the property. REGARDLESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of COVID-19, my mortgage was under a mortgage forbearance program. At the end of the forbearance period, JPM Chase offered me a mortgage modification pursuant to which I was to make three ( 3 ) trial payments in order to qualify for the modified mortgage payments. I made the first of the three ( 3 ) trial payments, but was unable to make the second payment because my employer 's principal was hospitalized in XXXX and no other person is authorized to wire transfer my paycheck. 

I explained this unique situation to JPM Chase and requested I be given another opportunity to make the three ( 3 ) trial payments. A Chase representative called me one day to confirm I was making more money when I submitted the request for the " second chance '' than I was making when I first applied for a modification. I confirmed that I was making more money now. 

JPM Chase denied my request for a " second chance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: NC
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:
This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX  Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX 16. Account Name : XXXXXXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2018-05-17
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: Account status incorrect

Complaint:
I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as a paid collection with a zero balance. The problem is I paid this in full with XXXX XXXX, so it should have never gone to collections or have been reported as past due. After receiving a letter from XXXX XXXX XXXX in XXXX advising me that they would notify the credit bureaus to remove the account, XXXX and XXXX   have both deleted it, however it is still showing on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank calls nearly 20 times daily, starting at  XXXX  on behalf of Walmart. After being told that I am unable to pay right this minute and that I will get everything caught up with in 2 weeks, they continue to call from many different numbers. After blocking the visible phone numbers, they 've started calling from unknown caller id. So far just this morning they have already called 6 times wishing 2 ho urs.

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 2022-08-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yes I filed a report her with the cfb again wells Fargo refuses to do a correct investigation .I was called when they received the report from here by the agent he didn't seem very interested on what I had to say didn't care to investigate the issue I had to ask him were you going to look into it he said yes and was ready to hang the phone up I stopped and said are you going to get. My details he said I am looking at the notes on the account. I stated you still need my version he I will call you if I need to I then asked about another dispute I had on my account he said you have to go back and make another complaint I only investigated what is on the 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 explanation
Consumer complaint received 2018-05-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have over {$1600.00} in cleared funds with paypal and need {$50.00} for a rx they have an instant transfer service that usually transfers the money in 30 minutes or less.

i initiated the transfer and was informed that an arbitraty 24 hr hold was on my funds.

as an ex-employee of XXXX XXXX XXXX i believe this is a violation of banking rules as we had to release {$100.00} of any uncleared check to a customer depositing.

i have money with paypal and have for years and cleared money for months and NO ACCESS to my funds that i need immediately.

i think they should be fined and my monies released to me immediately. 

Transaction ID : XXXX sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXXand trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Monterey Financial Services LLC
State: GA
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:
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr XXXX one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : Monterey Coll XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: LA
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-08-26
Company: AES/PHEAA
State: MA
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:
My XXXXXXXX XXXX XXXX XXXX are showing canceled from XX/XX/2009 to XX/XX/2009. However, I do not see where the cancelation of these loans decreased my balance. I called Customer Service at XXXX and they said they canceled the loans so no longer their problem. So I called XXXX and they said because I consolidated the loans getting a cancelation afterwards I will still owe the full amount. I am not sure how that makes sense that the Dept. of Education got credit from XXXX but I am not allowed to get the credit past to me and still owe for the loans that are now showing as canceled. I need some help with clarifying this situation. I have my past credit report that shows the full amount of those XXXX loans before they were canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
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:
A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees refunded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 credit card accounts with Capitol One, and thought I had set up Auto Pay using their XXXX-based App starting with XXXX payments, but in XXXX the first payment did not go through and a late fee was applied. A XXXX XXXX phone representative said I never set up Auto Pay, but made only one time payments on the App, and blamed the problem on their App not processing properly. The phone rep did reverse the late fee, and we set up Auto Pay over the phone, but only after a lot of wasted time. Capitol One is setting their customers up of failure by providing an App that conveniently doesn't work, truly enroll their customer in Auto Pay, process payments, and apply late fees, requiring their customers to call in and explain the situation, hoping they reverse fees. The whole point of Auto Pay is ensure that payments are made to avoid late fees, but Capitol One does the opposite the first chance they get, using their Auto Pay enrollment as an opportunity to sew confusion and apply fees. Very sad in XX/XX/2018 to blame an App!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Kikoff 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:
Accounts started showing up on my credit report. Ive contacted the company about the issue but no resolution. I never authorized these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was closed due to fraud activity per bank of america, Check was deposit into account & funds was never withdrawn from the account and when check was returned, account was closed. Was made aware the account was overdrawn in the amount of {$64.00} on XX/XX/XXXX 30 days before account was reported to XXXX in the amount of {$1400.00}, Contacted bank on XX/XX/XXXX to dispute account was dispute was denied. Contacted XXXX on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to file a dispute and dispute was denied. Please see email below received by BOA Bank of America Activity Alert PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Your account is overdrawn XXXX XXXX, We're letting you know your account is overdrawn and has insufficient funds. 
Here are the details of the activity : Insufficient funds amount : {$64.00} Fee assessed : {$0.00} Transaction paid : Yes Date : XX/XX/XXXX To prevent any additional fees and missed payments : 1. If you haven't done so already, deposit or transfer funds to bring your balance positive within 5 business days from the date shown above. Otherwise you'll receive an Extended Overdrawn Balance Charge. This charge would be in addition to any overdraft item fees already applied.

2. To keep scheduled online bill payments from being canceled due to insufficient funds, sign in to Online Banking Bill Pay to re-establish any recurring bill payments that weren't processed.

You can sign in to Online or Mobile Banking to review this activity, or contact us for help.

Security Icon Security Checkpoint To confirm the authenticity of messages from us, always look for this Security Checkpoint. You last signed in to Online Banking on XX/XX/XXXX.

Remember : Always look for your SiteKey before entering your Passcode. We'll ask you for your Online ID and Passcode when you sign in. 
This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. 
Read our Privacy Notice. 
Please don't reply directly to this automatically generated email message. 
Bank of America Email, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender XX/XX/XXXX XXXX XXXX XXXX XXXX. All rights reserved. 
This email was sent to : 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 2022-08-26
Company: Experian Information Solutions Inc.
State: NC
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 just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief