BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2017, I had just returned to school from XXXX break and I received an email saying my account had unusual activity. When I checked the account, someone had hacked my acc and uploaded fraudulent checks. I immediately contact Bank of America and informed them. They begin to accuse me and closed my account. The representative was really nasty when I informed him that I did not do this nor did I attempt to spend anything from these fraudulent transactions. I asked them to investigate this before closing my account because I did not want thi to affect my credit going forward, however they didnt. From my understanding when I was speaking to the representative he told me the account would be closed.

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 2021-11-27
Company: EQUIFAX, INC.
State: NY
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 still have an account on my credit report from all 3 bureaus when the account is past 7 years and 180 days. and I can not get my parent plus loan or anything. it's affecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX - XXXX XXXX : - Displayed extraordinary negligence in developing a database system secure enough to protect the information of their customers, resulting in the release of my personal information to outside parties without my knowledge or approval. 
- Failed to inform me that my information had been released until over a month after the incident had been discovered. 
- Insists on charging me {$10.00} to freeze my credit with them, and expects me to cover the cost of freezing my credit with other major credit reporting companies, despite the fact that they are the direct cause. 
- Attempted to trick me into forfeiture of my rights to pursue legal action in order to receive any compensation for this incident. 
- Negatively impacted the prospects of my personal investments by allowing executives at their company to participate in insider trading - selling thousands of shares of Equifax only three days after the internal discovery of the security breach, but over a month before the information went public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NJ
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 limited credit card closed the account due to XXXX XXXX,, they reported closed for months and then on XX/XX/19 they reported delinquent. 
Which I never was and why would you report closed for months then all of a sudden report delinquent? All my bills are paid on time.

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 2019-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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 2023-06-14
Company: EQUIFAX, INC.
State: NC
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, Im writing to you because my mortgage company has been playing games with me since XX/XX/2019. Almost 8 months ago I applied for a short sale with Select Portfolio Servicing and everything was going well the first 2 months of review until Select Portfolio Servicing requested a Brokers Price Opinion on my home.

The report from Select Portfolio Servicing finally came in after 4 weeks of waiting and with a big surprise I found out Select Portfolio Servicing didn't use an appraisal company to confirm the value of my home. 

I requested for a copy of the report since the amount that Select Portfolio Servicing was requesting for was over $  755,000.which that value shows several discrepancies considering the property value is only {$450000.00}. 

After reviewing the file with a manager by the name XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX who advise that because the investor of this loan did not want to pay for an appraisal of review the account properly for a short sale. They had no choice to use the Brokers Price Opinion ordered. 

Also I found out that Select Portfolio Servicing MANIPULATED the report showing shows my property is based on multiple unit property with XXXX units. 
Which is completely false my property is not XXXX units, which I provided supporting documents from XXXX XXXX XXXX RECORDS AND A LICENSED APPRAISAL REPORT. 

Now XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX refuses to take my call to address this issue of the fact that I have provided showing the proof this is a XXXX unit and the value that XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX is wrong and false. 


Please help me since now Select Portfolio Servicing is manipulating the number of units on the value report to take advantage of me and refusing to help me avoid foreclosure even though I was already told my loan is qualified for a short sale. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Cash Express, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from The XXXX XXXXXXXX XXXX XXXX XXXX stating that Cash Express LLC has filed a lawsuit against me in XXXX XXXX Tennessee, Docket # XXXX on a old debt. Im on Social Security and I am XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Southwest credit claims I owe them {$450.00} for XXXX I was a victim of identity theft in 2022 to somebody else has made this bill not me and I keep telling him that but XXXX doesn't want to believe that for some reason they harassed me over 20 times a day to tell me they're going to lock me up do all this and I've had a bait of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mortgage loan paid in full XX/XX/2019 see attached. Beyond 30 days, no reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Carrington Mortgage Services. My principal balance is now under 80 % of the original mortgage amount ( I believe this happened in XX/XX/2018 ) but CMS continue to take the PMI from my account,. I understand the Federal Homeowners Protection Act requires the lender to cancel PMI automatically when the mortgage balance has reduced to 78 % of the home 's purchase price. 
I contacted CMS and they say they will only cancel the PMI when requested by the mortgage holder ( because some people prefer to keep it ). The only way to cancel is by mail or fax. I sent a letter in XX/XX/XXXX which they have conveniently not received. 
I plan to send another letter by registered mail, asking for cancellation of my PMI and a refund dating back to XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies.

They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.

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 2018-04-05
Company: Nelnet, 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:
Nelnet student loan reported one late payment to the credit bureau that completely ruined my credit that I had been building over the past 5 years with them. I have continuously made payments every single month on all of my accounts for over the allotted amount, and they have always accepted my money. However, they still reported me making my credit score fall from an A to D. I had no idea they had even reported me until my bank ran my credit and notified me. They were unforgiving and would not reverse it saying I had made one of the payments to the wrong group. They said the payment should have been made by XX/XX/XXXX but was not made until XX/XX/XXXX and even after my payment was made on XX/XX/XXXX and up to date, they still reported me on XX/XX/XXXX which led to ruining my credit. Beware of Nelnet they are very unforgiving!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A man with XXXX XXXX XXXX called me from phone number XXXX and ask to speak about a potential relative of mine named XXXX who is going to get a suit filed against her unless I could get her information. XXXX is my sister ... Now while he continued to harp on about a potential suit and the ramifications, I cut him off and let him know I collected for 20 years so I knew what he was saying was a false and illegal scare tactic. I also let him know that he should not have called me under the curcumstances of being a potential relative. He got mad and of course ended the call. This company is using bad practices and harassing potential relatives during business hours when potential relatives are working. Awful company that does not follow the FDCPA. I wish someone would tell these people you have better collections with honest practices ... .trust me I know. Also let them know they should identify the full name of the company when calling. I had to call back for answers. Another tip for this company is never assume you are smarter than the people you call spitting unlawful foolishness and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Nelnet and submitted disputes with all Three bureaus. Nelnet updated late payment reporting on one bureau but has refused to update the other two bureaus. I have been getting the run around without a response. I am lost on why just one bureau would be changed but my two other bureaus are still being hit. Please help, this whole process has been so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a XXXX application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Owner XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I accepted a XXXX XXXX visa credit card offer from Capital One, applied for it and got it in XX/XX/XXXX. The offer was for 12 months introductry zero APR on purchase means no interests until XXXX XXXX. But they started charging me interests after 9 months instead of 12 mo. In XXXX they charged me {$18.00} and in XXXX {$17.00}. 
Another issue is that there is nothing in my monthly statements to show when and in what percentage the interests will be calculated! 
I talked with a representative and then a manager on Friday XX/XX/XXXX afternoon and they do nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX Equifax Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX. On XXXX XXXX, someone hacked into my account and stole money out of my account. The amount was {$270.00}, {$68.00} and {$29.00}. I called chase and they reimbursed me. I went to a branch and I opened up a new account. On XX/XX/XXXX, chase went back in my account and swiped the money back out of my account. I didn't give anyone my account info nor did I send anyone any money. The person who hacked into my account, sent themselves money from my account. I did not authorize this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a small business loan from XXXX XXXX XXXX XXXX in XXXX. The loan was secured by my house as collateral. XXXX XXXX XXXX  was acquired by XXXX XXXX in XXXX. I paid off the loan in XXXX. Although the loan number has changed over the years due to BMO acquiring XXXX XXXX XXXX the original loan was never discharged or recorded as being paid off. 

The original loan is still showing as a lien against my house which I'm trying to refinance with XXXX XXXX ( BMO currently has the mortgage ). I've tried contacting BMO about discharging the original loan. I've made many phone calls and related my situation to at least 3 different people. I have a rate lock with XXXX  expiring on XX/XX/XXXX. I've already lost {$1000.00} due to the delay of closing my new mortgage and now I might have to settle for a higher interest rate which will cost me even more money. BMO has been unresponsive to my situation. The last conversation I had with them was at XXXX on Friday, XX/XX/XXXX informing me that the person I was speaking with couldn't help me because it was a business loan and I had to contact their business lending department. Everyone I've spoken with was told this was a business loan. WHY DID IT TAKE A WEEK AND 6 PHONE CALLS FOR BMO TO TELL ME I WAS TALKING TO THE WRONG PERSON? This is now a time-sensitive issue caused by BMO 's incompetence and negligence in not discharging my loan over 6 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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent Bank of America charges requested removal as authorized user Unaware of card in my name XXXX Alert : Personal Information distributed dark web Communication with Impersonating representative, stated I would be removed Unable to contact Bank of America No access to account or card Removal, please Possible mail theft of Identity Theft report/attached

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 2020-07-11
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector has misrepresented information after numerous attempts to have this taken off of my credit report. this bill has been paid in full. this company continues to misrepresent this amount and has not contacted the hospital in order to rectify the status of the collection amount.

Company response to consumer: Closed with explanation