BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.

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 2020-02-07
Company: EQUIFAX, INC.
State: OH
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: GreenSky, LLC
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:
On XX/XX/XXXX, I paid off my entire balance with Green Sky. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with XXXX  and uploaded bank statements showing the account was paid, Green Sky statements showing a XXXX  balance and a letter from Green Sky stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating Green Sky is confirming the balance of XXXX as valid and past due. I have spoken with Green Sky every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to XXXX  5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. XXXX  has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX  ; XXXX  and Transunion  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I applied for and submitted all required financial documents for a new {$100000.00} JP Morgan Chase Bank, N.A. HELOC to full pay an old JP Morgan Chase Bank, N.A. HELOC. 

In XX/XX/2020 I was denied the new {$100000.00} JP Morgan Chase Bank, N.A. HELOC solely on credit agency ( s ) information.

I discussed this matter with a JP Morgan Chase Bank, N.A. HELOC Originator and was told that J P Morgan Chase Bank, N.A. HELOC Department do not have and Appeal Process and that I can not discuss this matter with the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter. I was told that the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter will contact me within seven ( 7 ) days to discuss this matter further.

To date, the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter has not called me to discuss this matter or requested any additional records or documents. 

The JP Morgan Chase Bank, Loan Underwriter made the denial decision based " SOLELY '' on my current debt to income ratio as currently reported by a credit agency.

The JP Morgan Chase Bank, N.A. HELOC Loan Underwriter did not consider my projected debt to income ratio based on the new JP Morgan Chase Bank HELOC full paying in old JP Morgan Chase Bank, N.A. HELOC and other unsecured debts.

As such, I am being penalized by being locked in an old JP Morgan Chase Bank, N.A. HELOC, JP Morgan Chase Bank will not reduce my monthly payment based on the remaining balance owed and I must pay a high monthly payment and I am paying higher than today 's rates interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We wanted a due date changed they never did and put our information on XXXX as a late payment. We have made over 800,00 to this  company Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-09-06
Company: Fay Servicing, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fay services account # XXXX began foreclosure procedures about 3 years ago. I and Fay mortgage services reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with XXXX XXXX. The property never closed for the sale. No one from Fay Services will respond by phone or in writing. I want Fay Services to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime.

Mostly I am certain that Fay Services have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have disputed with all three credit bureaus and Citi bank and have had this information removed from my report twice already. 

Citi bank credit card opened in my name- This is fraud and i have filed fraud alerts, and put them on my credit report going back 7 years. 

I have called the credit bureaus And Citi bank and can not get this removed because I can not give them the correct information to access this account showing up on my credit report. XXXX and XXXX are still effected by this. 

I have also been issued a new SSN and the IRS has notice of this issue as it has messed up my taxes for 7 years now. 
Another person with same name birthday is using my info and it seems my old ssn and this new ones credit is linked with the fraud.

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 2017-12-05
Company: Fay Servicing, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing says since they tried to pay my property taxes that they have a right to set up an escrow account on my mortgage and divert my regular payments into the escrow thus leaving my mortgage in default. 1. fay servicing never paid my taxes I did. 2. I was never notified of this change in my contractual mortgage agreement. as required by law. ( 1. TITLE XIVMORTGAGE REFORM AND ANTI-PREDATORY LENDING ACT, at any time after such an account is established in connection with any such transaction and in accordance with any statute, regulation, or contractual agreement, to close such account, the creditor or servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. ) I found out about this misappropriation on my XX/XX/XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
We are looking to buy a new car. Two companies pulled credit score both received it from Experian. One company got score of XXXX and the other a XXXX. How can this happen from the same credit company? The scores were pulled within two days of each other. Also if XXXX claims to keep accurate credit scores, why are they always different when scores are pulled from loan company?

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 2019-02-06
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Noticed this collection since last year and have been disputing it ever since. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me an invoice and itemized bill. This is not acceptable, FCRA states there must be a tangible contract provided to me upon my request, that bears my signature, showing that I am responsible for 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 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was targeted via mail for a Bank of America {$300.00} account opening along with an extra {$50.00} if I opened at a BoA branch if I made {$4000.00} in deposits within 90 days of account opening. On XX/XX/2019 I went into a BoA branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) and opened an account with XXXX, who confirmed that my bonus promo number was applied to my account and I should be receiving the {$350.00} once I hit the qualified deposits requirements. By the end of XX/XX/2019, I had deposited {$4600.00} ( verified by BoA bank statements with all deposits coming from my employer ). At the time, I knew the bonus would not be posted to my account until 60 days. It is now mid-XXXX  and my {$350.00} has yet to be posted to my account. Ive tried contacting BoA but they have been unable to assist 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 monetary relief
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: OR
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:
Was involved in class action suit for security breach of personal account information and Equifax was to provide all those affected free credit monitoring service in accordance with the class action settlement. I still do not have free monitoring on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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:
Good Evening I placed an order by error in my XXXX account in XXXX. The order number is : XXXX and the item number is : XXXX. Three weeks ago I returned to the seller this item through USPS and tracking # is XXXX. The seller confirmed to me he received this item and I got delivery information from USPS systems. The name of the seller is XXXX from XXXX company in XXXX   XXXX, CO. In addition I called to his business and they confirmed they have received it. I have contacted the seller, several times, for a full refund and he keeps saying that " he already refunded to my credit card '' the total cost ( {$31.00} ) for the returned item ( attached you will find evidences of email from the seller and statement from my PenFed Credit Card account ). I tried to request a refund through XXXX but the returning case was closed by ERROR on my side. XXXX informed to me that I have to contact the seller directly. I have contacted the seller several times. As of today I have not received my full refund back to my PenFed credit card account from the seller. I called the seller to follow up on the refund and all he says that the amount have been refunded. As of today I have NOT received my refund. I requested a dispute with PenFed but they made some errors processing my first dispute ( since XXXX ) and yesterday XXXX I had to request a second dispute to them. As of today my case have not been resolved. I have considered to request a police report against this seller ( if you go to XXXX the seller and his staff have horrible reviews ) but I wanted to try to solve my issue through the CFPB. I will appreciate if you can intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I owe them XXXX, I have called the entire month of XX/XX/XXXX, I was lied too about a refi option and then I was lied to again after a rep told me this amount was out on a lien against the house to be paid back when i sell or refi and that was a lie. I can not get a single rep to help me with my issue. I just want to get current with my loan so I can get rid of this company

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 2018-03-07
Company: UNITED BANKSHARES, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 at XXXX, XXXX XXXX from XXXX XXXX called from phone # XXXX and called my cell phone at XXXX and my other cell phone at XXXX. XXXX left a voicemail on my XXXX number at XXXX. He was calling in regards to an overdrawn account. Federal law prohibits such calls before XXXX. XXXX XXXX ( located in West Virginia ) and my residence ( located in Ohio ) are in the eastern time  zone. I can provide proof of call logs and voicemails upon request. I am sure XXXX XXXX keeps and records calls as well. 

Below are the guidelines businesses must follow per the FCRA. 

Prohibited Collection Practices Call you before XXXX XXXX or after XXXX XXXX, based on your time zone Call you at work, provided the debt collector is aware your employer doesnt approve of these phone calls Harass, oppress, or abuse you Lie to you or falsely imply that you have committed a crime Use unfair practices in an attempt to collect a debt Conceal his or her identity on the phone Disregard a written request from you to cease further contact

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 2020-02-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Chase Bank because they sent me advertisements telling they would give a {$200.00} bonus if I opened a checking account and moved a direct deposit over for {$500.00} or more. I funded the account on XX/XX/XXXX and had my employer start depositing {$500.00} per pay check. The first payroll went in on XX/XX/XXXX. The original solicitation stated the bonus would not be paid until 10 business days after direct deposit. Today my 3rd direct deposit was funded and I still have not received the bonus. I called and talked to a representative and then a supervisor today asking when the bonus would be given. They said the coupon code was not properly applied and they would not honor the promotion. I did what was requested to open the account. I maintained the {$1500.00} minimum balance before and even after my direct deposit was sent over. I brought my direct deposit over. They should have to honor the solicitation then advertised, I literally clicked the link and opened the account. There technology issue should not absolve them from the incentive they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX who was injured while working on the job. Upon my injury on XX/XX/XXXX, I have suffered financial hardships. I am a single father of XXXX children and I have been unemployed, had a reduction in income, due to my injury and illness. I had to file a Chapter XXXX Bankruptcy on last XX/XX/XXXX. Recently, however, I voluntarily dismissed the Bankruptcy because my circumstances became better. When the bank/lender ( Bayview Mortgage ) discovered that I was no longer protected by the Chapter XXXX Bankruptcy, they immediately filed to have a foreclosure/auction date for XX/XX/XXXX. 

Although, I am very hopeful that Bayview Mortgage will work with me on a loan modification so my children and I can stay in our home. A few years ago, they gave me a loan modification, but I lost my job, after I was approved. 

Thank you for assisting me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a man who respects my financial obligation so all my payment, I pay almost 10 days before the due date my first pay it should be on XX/XX/2021, I paid it 5 days before the due date, I did payment online manually, and before I set up auto-draft, but I thought is not active yet. The mortgage company deducted the amount of {$130000.00}, and I paid {$100.00} for principals as extra. After they receive that payment, they deducted another {$1300.00} so deducted my mortgage for one payment twice, I call them to refund me back for the second payment, they regarded it as returned payment and added {$40.00} fees. They disable my account online, prevent me from paying my mortgage payment online. This company, sorry to say is not professional, very greedy, have no flexibility, lacking all rules and conditions which qualify them to be a good financial company.

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