BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I bought my house in XX/XX/XXXX it was through countrywide bank. When the housing market crashed the loan was bought by Bank of America. The way I got into my loan was no money down, no income verification. So the way countrywide did it was a conventional 30 year mortgage and a HELOC. In roughly XX/XX/XXXX Bank of America modified my conventional mortgage which temporarily helped but now I am trying to refinance and can't because only a minimal amount was going towards the principal. Between my conventional Mortgage and my HELOC I can't find anyone to refinance my loan due to contributing factors. I feel minimal help from Bank of America has put me in a financial bind.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: MI
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 XXXX pulled my credit with my consent. It had negatively impacted my XXXX XXXX and Ive disputed it. The company apologized for their error but it had yet to be reversed and my my score with Experian continues to be low. I want my score to be increased and corrected. 

XXXX XXXX XXXX pulled my score on XX/XX/XXXX and XX/XX/XXXX Also a collection from XXXX was placed on my report. Ive never been serviced at XXXX. I reported it as fraud and it has yet been removed from Experian and hasnt been reversed to increase my credit score.

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 2020-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have for over 4 months since the month of XX/XX/2020 tried to get my stimulas bank card from chase sent to me at both my po box and personal address as well. And someone has illegally seized my stimulas benefit bank card without telling me and taking advantage during covid-19 delays. I would like to know why my bank card was illegally seized. I read that it is against debt collection practices to seize a bank card during covid pandemic. I also have gone to the bank chase at multiple locations and turned in my old bank card as well in person to the bank teller thinking it was that. It was not that. Can you please get back to me at phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I been trying for more than a year since my 10 year interest only note came do on the second mortgage I can not pay the whole thing and have been asking for a payment plan when I started this they told me not to pay anything till this got worked out .I did get my first mortgage modification done over a year ago and sill nothing and not they are trying to take my family home we have lived and payed on this home for more than 12 years now I mam XXXX years old and have been send them the same updated documents every month over and over again. 

Please Help

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Transunion XXXX XXXX please take notice to statement that Pra validated an alleged debt and that you are in violation of the FCRA, FDCPA. PRA has not validated anything and making statements to your selfs puts you at risk of a law suit. PRA 'S failure to produce evidence 3 times to the CFPB telle 's they refuse to accommodate any evidence. enclosed in this dispute are 10 factual questions they have refused to answer making anything they claim to you hearsay, non factual, this will use in the future where it may become necessary you are now requested to remove this account and by releasing any information that claim that is permissible is false and fraud with out the proper documente 's that they refuse to provide this is stated so the CFPB is witnessed to the facts and that you are involved in this by reporting

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 2021-11-29
Company: Monevo Inc
State: MS
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:
unknown inquiries on my credit report without my knowledge or consent XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX  numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.

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 2018-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied from opening a credit card with chase. Although I have never missed a payment, have over 6 years of average credit and have a 0 balance on over {$10000.00} of available credit. 

My income is over {$100000.00}. Am I being denied because of the zip code i live in?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: AZ
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 XX/XX/2019, I had a lender do a credit check for a house rental. The lender sent me an adverse letter stating a credit score that can not be justified by the Experian. I spoke with 2 representatives on XX/XX/2019 who declined to advise why they are reporting my credit score is reporting lower than what they are providing. Experian has refused to provide me with accurate information about my credit score and my credit reporting that is hindering my ability to find a new house. I have demanded that they provide me with accurate information consistent with the Fair Credit Reporting Act. And they have failed to provide me with accurate information about my credit reporting.

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 2020-05-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have one accounts with JC Penney ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, 2017, I sent a payment in the amount of {$70.00} to the Cash App ID $ XXXX, only to find out that it was the incorrect ID. I reached out to XXXX XXXX to reverse the transaction, and I was advised to dispute it through my bank. I then sent the {$70.00} to the correct XXXX XXXX under the correct Cash App ID. When I spoke to Simple support on the phone on XXXX, the representative was understanding and helping, as if he 'd encountered the situation before and he assured me that I would hear from the disputes team some time this week. I sent documentation of the transactions, conversations that I had with XXXX XXXX via email, and a screenshot of both the correct and incorrect payments. 2 weeks later, I received a message that they can not /will not help resolve the dispute and that I needed to reach out to the merchant. Again, I contacted XXXX XXXX and they once again stated that they will work with Simple to resolve the issue. I reached back out to simple and today, the only message I received from the disputes team is that they have closed my dispute because they ca n't find " an appropriate resolution ''. The disputes team did not contact me for more information, or clarification on the matter, they just closed out my dispute with no help. I 've sent multiple requests to the Cash ID that was paid in error for my money to be returned, but have had no such luck. I contacted the BBB, signed a release form, and Simple would n't even work with them to help me resolve this issue. I am currently {$70.00} in the hole due to a mistake, I have provided everything I can to Simple to prove that this was done in error, and I have not received assistance from my bank in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Early Warning Services, LLC
State: SC
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:
XXXX XXXX XXXX Consumer # XXXX Dispute Case ID : XXXX XXXX XXXX I had a Fraud claim open with Early Warning disputed Fraudulent Bank Openings with XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I have sent them a police report identity theft report and copy of my signatures in front of a XXXX XXXX XXXX have lied and said they did an investigation and lied. I have contacted these Bank Institutions also. 

Early Warning already have the necessary paper worked sent to them via mail form the previous disputes Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like a full on investigation on Caliber Home Loans, this is the second complain I will, the company has purposely and intentionally founds ways to retaliate against me. I filed a law suit in XXXX, due to the company asking for documentation sent more than once for a loan modification, XXXX XXXX filled a law suit and option a trail payment plan that would end in XX/XX/XXXX when we contact Caliber after the last payment the first point of contact stated that they denied modification due to not receiving a subordination letter from Keep Your Home California, they stared that the letter was send to my attorney back in XXXX, we including my attorney never got any subordination letter from Caliber Home Loans. I went ahead and contact Keep you Home California compliances Department and they have never seen the letter either. On XX/XX/XXXX Rep XXXX # XXXX was advised to open task for subordination letter by first point of contact. Rep XXXX # XXXX stated subordination letter was sent to XXXX XXXX on XX/XX/XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - FINAL LOAN MOD DOCS//Called Caliber and spoke to XXXX rep ID XXXX XXXX stated that the final modification is being prepared and has not been generated as of yet and will be in the next two weeks and will be sent to our office. As soon as we have received the docs we will forward to you immediately for signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

I sent your bureau a dispute letter in regards to these accounts on XXXX asking that they be removed.. To date, I have not received an investigative results report. Please note that is a 30 day violations to date. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these two accounts liste under ACCOUNTS TO BE AMENDED to never late. 

I have a real estate transaction worth {$450000.00} being held up in escrow due to these negative accounts being reported on my file. I must close my real estate escrow by 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 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: Regional Management Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/21 at Regional Finance I was approved for a loan even though I never filled out a application. The service was curbside and she brought the paperwork out to me. I asked about the amount, payments and was given vague answers. She not once explained the terms to me. She just continued to have me sign. I asked if she wanted to sit in my car so she could explain the terms to me. She said I cant do that. I know I should have insisted on a explanation of the terms. I trusted she would give me terms and payments I could afford. This was so rushed. She sent me home with the check no paperwork for me to look over. Then I get the payments in the mail XXXX monthly and this is for 3 years at 80.811 %. I can not afford these payments for 3 years. How she qualified me not sure. I do know that on the property she stated items that I do not own. I got this from the branch manager and I did tell her I do not have these items. Life insurance was added in which I did not want. I feel this representative did wrong by lying. Curbside for a loan. I have gone by and others are allowed to go in and sit down to have the terms explained. I also feel I was targeted. The branch manager said I have good credit. Then why was I given this interest rate and 3 years in payments. Something is not right in the way this representative gave me this loan. I was not given any paperwork to take home with me so I could review. I believe this was done intentionally. I should have insisted on having the loan explained to me in detail. I trusted she would do right by me. I was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: NJ
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:
Since XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX  ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC XXXX .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing 15 U.S.C. 169Jlg ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with XXXX to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

Equifax then deleted the collection account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have filed multiple complaints against osla concerning student loans on my accounts I have requested information containing these accounts that a negatively impacting my credit reports I cant get no credit because of inaccuracies with dealing with this collection I dont have a copy of any contract agreement payment terms or any information that I would need I have contested this debt numerous of times and all I get is the same reply Department of education says we cant release information about your loan but the thing is I dont work for the department of education or osla I have rights that are being violated for sure you cant deny me access to information concerning a collection that is placed on my credit report the department of education hasnt confirmed this aligation of not releasing information and by law can not deny me information about an account associated on my credit report if this is the case then if they arent presenting verifiable information then you must remove the account thats FCRA my right to contest any inaccuracies or unverified information which they are stating that they are not denying or confirming any debts at this moment it must be removed

Company response to consumer: Closed with explanation