BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My first statement and payment w/ XXXX XXXX ( Comenity Bank ) was due on XX/XX/XXXX, was waiting to pay until the last date due to my husband being furloughed and my salary cut 35 % with COVID19. I was a day late ( didn't realize a statement could be due on a weekend ) and paid the morning of Monday, XX/XX/XXXX online - at that time the account did not show any late or interest charges and showed I was paid in full. I just got a bill for {$100.00} ( {$29.00} being a late fee and {$77.00} being the interest charge ). Discussed the matter and they'll only waive {$15.00} for the late fee but won't waive the interest. I said I want to cancel the card then but have a custom order item ( placed 2 orders on the card in XXXX, one was delivered - hence the XX/XX/XXXX statement and the other is due in XXXX ). If I cancel the card, I'll get a fee from XXXX XXXX for the cancellation of a custom order but I don't want to have it on the Commenity Card because I feel their customer service in this specific situation is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy has not been deleted from my credit report IMMEDIATELY! 

Additionally, XXXX has publish documentation on their website confirming that they indeed provide your company, Equifax, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file. 

Finally, the U.S. Bankruptcy court does not verify or furnish data to credit bureaus. You have been reporting inaccurate and unverified information within my credit file several years and after multiple disputes allegedly verifying inaccurate information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I requested a credit line increase which shouldn't have resulted in a hard inquiry because I already had an established line of credit with updated financial information and everything US Bank needed was provided by soft credit check. 

The bank web page is very misleading and unethical. it leads you to credit request increase link and you don't fill out any information and it automatically does a hard credit pull on your account! I tried to reach out to them to revert that and ask the credit bureau to remove it but they declined citing a piece of paper they sent me when I signed up for the credit card years ago?

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 2020-04-27
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified that a collections account from States Recovery System was put on my credit report back in 2017. I immediately disputed with the credit agencies indicating that States recovery system was in violation of my rights. Specifically, Articles 2.1, 2.2, and 2.3. Later, I wrote 2 letters to States Recovery System via US mail to request a copy of when I was first noticed, when the charges took place, the amount, the person who authorized the service, and a copy of any documentation that the account was valid. I received nothing. More importantly, I never heard from anyone via mail, phone, or anything else within 5 days of them placing this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Trans Union credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Trans Union, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Tans Union does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Trans Union immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: KY
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 she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation. 

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report. 

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion. 

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the 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 non-monetary relief
Consumer complaint received 2021-10-24
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is NOT a duplicate request. I had contacted the CFPB to follow up on my complaint # XXXX in late XX/XX/XXXX due to a letter received on XX/XX/XXXX. I was informed I could not receive any information as there was not enough information to verify my identify. I am now filing online to follow up. 
I reached out to the servicer, PHH Mortgage Services as I received a debt collection letter from a " purported '' foreclosure attorney, XXXX XXXX XXXX in XXXX, MA. I sent a debt validation letter in XX/XX/XXXX as well as a QWR ( Qualified Written Request ) to the servicer. What I sent to PHH in the QWR is not what I received. I received a copy of pages of outrageous purported billing charges/fees which included services that don't even exist, as well as information that directly contradicts information I was just able to locate in a XXXX tax document, that was from XXXX. Meaning, the information I received in XXXX from PHH for XXXX accounting does not agree with the actual XXXX tax document in my possession nor was it sent to the IRS by the servicer as it doesn't appear on my transcripts that I recently reviewed. In addition, one of the single page documents from PHH was illegible, unreadable! Not sure it's even readable with a magnifying glass! PHH directs me to contact their Research Department for additional information which is the exact address where the QWR was sent, letter is signed as the Research Dept. Interesting, PHH states in their QWR reply, no fraud has occurred. That statement would be incorrect, all the fraud was removed. In the reply, based on the information PHH states it has, PHH failed to state there was a foreclosure in XXXX, mortgage was written off, charged off or XXXX, the foreclosure was void/invalid by the court in XXXX ( in a case brought by the Plaintiff ). Another case was brought by the Plaintiff ( purported XXXX XXXX XXXX XXXX for XXXX ) was dismissed in XXXX ( XXXX XXXX due to the XXXX decision ). In another case brought by the Plaintiff regarding a quiet title action, the court ruled against the Plaintiff in XXXX, the ruling denied the Plaintiff the authority to foreclose, quiet title action decision was in favor of the Defendant/Homeowner , along with title to the property and no encumbrance on the property, meaning title free and clear to the Defendant/Homeowner whom has lived in and owned this property since XXXX! The property is not vacate, no maintenance has EVER been done at the property, other than by this homeowner though PHH recently sent a document reflecting charges/fees for such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The GM financial account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XX/XX/XXXX but charge off/DOFD date as XX/XX/XXXX. 
This should have been noticed if there was really an investigation into my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm a XXXX for a volunteering nonprofit from XXXX, Florida that supports a lot of other charities with donations. We had about {$6200.00} in our account. 

About two weeks ago I got a call from one of their customer reps saying that I needed to come to verify the proof of the lease on our po box address ( a voicemail I listened to prior to coming in ). This was an issue caused by Chase improperly setting up the business banking account, when it was opened a month ago. I came to fix the issue on XX/XX/2021, and their rep informed me that the account has been closed. Then, she brings over the branch manager who proceeds to lie to me that I was informed that the account would be closed, if I didn't bring the proof of lease in a certain amount of time ( I still have the voicemail on the phone that does not mention that ). She then tells me that the check will be shipped out for the balance of the account, and that there is no possibility of reopening of the original, but that I could open a new one. At this point, hearing enough maltreatment, I just walked out. 

I then spend two hours climbing the tower of phone customer reps to get to the one who deals with extreme cases like mine. She tells me that she understands my justified frustration, and that she will inform her supervisor of this, but that she can do nothing for me ( except for opening a new account, after I get the check ). She also informed me that the bank does not inform accountholders of account closure, which is a terrible practice. I could have been writing worthless checks and not even know it. 

We still haven't received the check ( it's been 9 days ), so I can't even open a new account with another bank. Holding on to our money, after they closed the account is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am having issues with NewRez Financial regarding my Escrow account. This is not the first time we have encountered such a challenge. In XXXX of last year wqe filed a CFPB complaint ( Complaint Number XXXX ) about a sudden major increase in our mortgage due to a claimed shortage in our escrow account. There was found to be a missing check from our escrow account from our previous hazard insurance company, but despite sending them the check there was still a difference. After going back and forth with the Agents ( I was told about 5 different amounts I was going to have to pay to make up the difference ), one Agent finally found the error, and managed to bring my payments from over 2500 a month ( as originally quoted ) to around {$2400.00} a month. This is still a large increase from the {$2200.00} we had paid to our original lender. 

Earlier this month, I received another notification that there was a " shortage '' in our escrow account. Now, we have paid extra for the past 12 months to cover the shortage which existed before. There are no increases to our hazard insurance, and there is no increase to our property tax. NewRez claims there is a {$2000.00} shortage for the next 12 months, which would increase my monthly mortgage by another {$170.00}. Upon review of the statement, the only difference I see in the expenses is a DECREASE in my Hazard insurance from {$2900.00} to {$2800.00}. I do not understand how there can be a shortage after paying all year to catch up from a shortage before ( while still paying my current escrow amount ). I am including a copy of my original Guaranteed Rate mortgage statement showing our escrow amount, as well as the most recent escrow analysis received from NewRez. As with my other current complaint, I have made numerous attempts to contact NewRez about this, however they have shown to be incredibly difficult to contact, with calls terminating, and hold times exceeding 2 hours on occasion. 

I understand there will be variances, and slight increases from year to year due to changes in taxes and hazard insurance, but nearly {$5000.00} in two years is an awful lot of shortage to happen. If this is the case, there needs to be better fiduciary management on their part to make sure people stay on track, and aren't stuck paying " shortages '' for the duration of their mortgage.

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 2021-10-24
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Reported a weird looking transaction, which I corrected right away. A " One-Time '' sell which stated " per XXXX '', I've never seen such a thing and that type of order isn't listed anywhere in the terms or website. Reported it as strange, and inquired about its origin. Pretty straight forward, supplied the requested information and have since been frozen out of the account ( Frozen since XX/XX/2021 ). Called, no people. Email, little or rare response. The most frustrating experience I've had with any company that handles money. Been with them 4 years will not make it to 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: ClearPath Lending
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I replied to a piece of mail I received advertising a 2.75 % interest rate for Veterans. I called and initiated a refi ( aroundXX/XX/2020 ). I was told that since my credit score/salary information was high enough that I should remove my spouse from the application to get the lower rate. I received all sorts of documents about the refi that indicated everything was moving along just fine XXXX initial disclosures, estimates, closing disclosures ). Today I received a letter of declination stating that the reason was due to the inability to remove the spouse from the current loan because it is a VA IRRRL. In addition to my credit score taking a hit for the inquiry it has been a huge waste of time. I was told that I wouldn't be making a mortgage payment for XXXX and I agreed to not shop around for better rates. After calling today, I was told that the declination was because the investor is not refinancing VA loans where a co-borrower is being removed until " the covid-19 pandemic blows over '' How can that be a metric for any form of lending? Can you require a co-borrower when the principal borrower meets your lending requirements?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried using my Barclay credit card on XX/XX/20 for a purchase online which was denied. I checked my online account to see that the credit card was closed XX/XX/20 due to inactivity. I called Barclay 's customer service on XX/XX/20 to inquire about reopening the account. I was on hold for 2.5 hours before I could speak to a service representative. When I explained the situation, the rep said the card/account can only be reopened if it has been less than a week ( 5 business days ) and since it's been more than a week she couldn't reopen. I explained that if the account was closed on XX/XX/20 and I'm calling on XX/XX/20 to reopen that only 6 days have passed ( 4 business days ). She replied with saying there's nothing she can do since 24-48 hours have to pass once an account is closed before she's able to reopen. I was very confused at this point since well over 24-48 hours have passed and that was different than her first response. When I asked her to clarify the situation since her responses weren't making sense, she hung up while I was mid sentence and the issue was not resolved. Now I have to wait another 2.5 hours just for the same thing to potentially happen and I'll miss the window to reopen the 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 2021-10-24
Company: Experian Information Solutions Inc.
State: MS
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/2021, I begin disputing an erroneous Bankruptcy that is on my Experian credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Experian, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Experian does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Experian immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.

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 2020-11-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Order two spin bikes. Never received them, trucking company damaged them during shipping and returned them to shipper. The credit card company XXXX is charging me {$500.00} for canceling them I did not cancel them they never made it to me. Shipping company imaged them and returned them to shipper. Company said they cant send replacement they dont have anymore.

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 2020-04-27
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I clicked on an ad for a new account promotion which Citi was running. If i deposited $ XXXX in the account within 60 days of opening, then kept in for 90 days i would get the {$500.00} bonus. I made a deposit of {$15000.00} on XX/XX/2019 and still have not received anything. The money has not been earning interest and Citi has not responded as to why it has been more than 5 months.

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 2020-04-29
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 Federal Student loans that are showing delinquent payments on my credit report from XX/XX/XXXX - XX/XX/XXXX. These accounts were General Forbearance from XX/XX/XXXX - XX/XX/XXXX. These accounts should not show this incorrect information as it is causing me issues in obtaining a first time home buyer mortgage.

Company response to consumer: Closed with explanation