BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have owned this condominium since XXXX. I have had a mortgage loan through SUNTRUST the entire time. the original purchase price of the unit was {$120000.00}. I refinanced under the HARP program in XXXX to reduce payments after I lost XXXX % of the value of the home. The mortgage loan amount, at the time of the refinance, was {$110000.00}. My current principal balance is {$86000.00}. 
I have made numerous written attempts to remove PMI ( $ XXXX ) and they all have been rejected. I have been paying mortgage insurance for well over 10 years on this property and paid below 80 % of the original loan amount.

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 2018-01-17
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got laid off end of XX/XX/XXXX, I applied for assistance with XXXX XXXX they put me on a forbearance plan. When I got a contract job, I submitted my paystubs, so they put me on a trial plan starting XX/XX/XXXXthe monthly payment with HOA was over 35 %. I called to ask them but they did not provide a reasonable response and did n't reduce the amount. InXX/XX/XXXX they sold my loan to Freedom Mortgage. Freedom Mortgage sent me a loan modification that increased my interest rate, so monthly payment with HOA is still more than 31 % of my gross income, and they added a 2nd lien of over {$66000.00}. The XXXX package was left at my door Saturday afternoonXX/XX/XXXX but it was dated XX/XX/XXXX too late to do anything with it Saturday, then Sunday and Monday ( holiday ) banks were closed, and they only gave me a few days to respond. I called them a couple times, and my spoc was supposed to call me back, I 'm waiting to hear. I only make {$19.00} per hour working an average of 40 hours per week, but often I work less than 40 hours due to not enough work. I am worried they are not rushing to help me and I will not lose my house to fraudulent practices. Please help, I 'm a single woman with one income, I can barely pay my bills and I do not live outside of my means, believe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCA is listed on my credit file as a collection account in the amount of {$510.00}. I NEVER received any written notifications or calls about the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my XXXX XXXX XXXX XXXX XXXX  at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, XXXX XXXX informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

XXXX XXXXXXXX XXXX hard credit inquiry now shows under " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted XXXX XXXX today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a check from a client into my Wells Fargo account, ( which was discovered to be fraud ). I waited for the check to clear. I called Wells Fargo to confirm the check cleared. I was told YES. At that time I sent money via XXXX to pay for furniture pickup for a client, ( which again was part of a fraud scam ). I then called Wells Fargo back to ask AGAIN, are you sure the check cleared because I think Im getting scammed, WF, YES IT CLEARED.,, a few hours later, the money that I CashApp to help my client, was deducted from my account from WF, after they assured me TWICE the check was legit. Now Im out {$3400.00} because the bank that shouldve protected my funds failed to do it!!!

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 2018-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring of XXXX a year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today,XX/XX/XXXX, and was informed by a representative that they do not honor divorce decrees with debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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:
I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX  and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX  and the other credit bureaus Transunion and XXXX  tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.

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 2021-09-09
Company: Genesis Lending
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Genis is collection company is trying to collect from me and I did not oWe I debt to XXXX. I moved out I have a payment ledger and new lease that I did not live there. I do not have any document that I signed that I signed a new lease and they didn't send me anything that saying I owe money my new address was provided and I have messages that provide this

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never received worse customer service from a company than I have received from Amerihome Mortgage Company LLC. Been dealing with an error ( their mistake, they did finally admit that ) in my escrow related to property taxes. The taxes are all paid and the escrow account is back to where it should be, but they have been jerking me around since XX/XX/2018 in regards to fixing my payment. Ive talked to every supervisor in the building it seems but they are the most inept people Ive ever had the displeasure of dealing with. The worst part is I dont have a choice, they bought my loan from the original provider, so Im stuck with them. Just this week they have agreed to accept payment in the amount of the original payment, but then charged me a fee for processing the payment over the phone. They would not provide contact info for a supervisor over the first level and purposely refused to offer me the chance to take a customer service survey at the end of the call ( even though they always asked in the past ). In the beginning I was annoyed but everything was working out exactly like they said it was going to so I wasnt worried, now ... Im just angry. I dont wish any harm on anyone, but I swear I hope their building burns down and the company goes out of business. Useless wastes of oxygen, the lot of them. Still waiting as they say it wont be fixed until XX/XX/XXXX ... .4 months since this started ... through no fault of my own. So if you have a choice, go elsewhere ... if youre like me and dont have a choice ... XXXX for mercy I guess, what else can you do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: COMMERCE BANK
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2021 we obtained euros from our bank ( Commerce Bank, owned by XXXX  XXXX XXXX ) for the purposes of travel. At that time we were charged a rate of {$1.00} for each Euro we purchased. 

When we returned and cashed in the remainder of euros on XX/XX/2021 we were reimbursed at a rate of {$1.00} per euro. 

It's our opinion that that was an inequitable return exchange rate. In addition, they would not accept any coins for exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 a 609 letter to TransUnion on XX/XX/XXXXto validate the accounts listed in my letter. They have not done so and the 30 days is up. This has to be immediately deleted from my credit report per the FCRA 15 U.S.C. 1681i, because they could not verify the accounts. The accounts listed were : XXXX XXXX XXXX XXXX XXXX openedXXXX Account # XXXX, XXXX XXXX XXXX openedXX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX opened:XX/XX/XXXX Account # XXXX XXXX XXXX XXXX openedXX/XX/XXXX Account # XXXX, and XXXX XXXX XXXX opened XXXX/XXXX/XXXX Account # XXXX. All accounts were unverified and need to be removed.

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 2018-01-17
Company: SYNCHRONY FINANCIAL
State: PR
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: Other problem getting your report or credit score

Complaint:
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA not mine / No knowledge of those 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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is going to be a long one. XXXX XXXX assigned my loan to XXXX XXXX XXXX but i have been paying another company to pay off the loan or debt. diversified XXXX XXXX is the company. i found out they are a scam. i tried to get this resolved through transunion by having a dispute filed. XXXX says the account is still legit and owed etc. someone is lying to me. i want transunion to know that diversified XXXX XXXX stated the account is now closed as per their CFPB response to me on XX/XX/2021

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My girlfriend left me and when she left she stole a few cards and {$100.00} cash. She has no authorization to these items. One of the items was a Paypal account. She accessed my account ( she is not, nor ever has been authorized on this or any account of mine ) and was able to obtain {$21.00} from my account- again, she was unauthorized. I received notification of this activity and immediately notified Paypal. I also immediately changed my password. Paypal conducted an investigation and in less than 24 hours returned the results which I will be uploading. In its response, Paypal verifies the charge was unauthorized, but because the charge is not authorized, they denied my claim. That doesn't seem like that would be legal, or even ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: JPMORGAN CHASE & CO.
State: WI
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 XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : XXXX XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Jpmcb Card Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXXt XXXX. 
Institution Information Jpmcb Card XXXX, DE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: AES/PHEAA
State: CT
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 multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX XXXX XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!!

The other account reporting inaccurate is XXXX XXXX XXXX XXXX- This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!!

The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. I have sent mutiple letters and received no response.

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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: WV
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:
My credit report is showing that I was late on my Chase Mortgage payment in XXXX and XXXX, however, I was late in XXXX and XXXX not XXXX and XXXX, Chase Mortgage told it was the just the way my they report to the credit Bureau ( 30 days behind ) however, that is inaccurate reporting, regardless of how they are reporting this payment to the credit bureau, it should correctly identify on my credit report the dates I was actually late, regardless of how they report it to the credit bureau. Overall, they confirm the XXXX and XXXX late payments via several letters ( attached ), therefore I need my credit report updated to show the correct months, that I was actually late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

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