BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In one month ( XX/XX/XXXX ) our investment home will be paid off, yet Wells Fargo still will not drop the PMI that is attached to this loan. I talked to someone at XXXX XXXX and they said the PMI should have dropped off when the loan reached 65 %. We never got a letter from Wells Fargo stating we had reached that threshold and I have called numerous times to ask why we didnt get a letter. I have also called numerous times to ask why the PMI didnt drop off automatically when we reached the required threshold. We were told this loan is set up to never have the PMI dropped. I told them this is against the Homeowners Proection Act of XX/XX/XXXX, but they are standing firm that is stays on for the life of the loan, Now they are suggesting that we get a BPO or Appraisal done, but that is pointless when we will have the house paid for in one month. Wells Fargo should not be allowed to keep the PMI money from the 65 % threshold to now-thats wrong and totally goes against our signed contact and the Protection Act.We are getting no where with them and need additional help, please.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.

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 2022-01-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I, XXXX XXXX, a consumer of Chase Credit Card Services, received notification my limit was decreased from {$13000.00} to {$6000.00} without notice. I previously was given an increase back in XX/XX/2021 and now this company has abruptly reduced my limit due to inactivity. I was out of town on a trip with my wife and could not utilize my card to pay for our hotel accommodations when I had the funds available previously to use. This caused a major impact to my trip finances and I had to move to a different hotel costing me an additional {$1000.00}. I am very disturbed and frustrated by the disregard this company has put on myself as an outstanding consumer. I have always paid my bills on time and I travel XXXX times per month and need access to my credit cards. This has now dropped my credit scores and negatively impacted my credit. I have been an account holder for 5 years and have never been delinquent or maxed out my card. I reached out to Chase for more information as to why my card limit was reduced and they only stated due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: The B & F Corporation d/b/a OK Loan Service
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2020, I submitted a online loan application to XXXX XXXX XXXX for the minimum per website advertisement amount of {$160.00}. 
When I got the approval call, I was told a starter/credit build amount of {$50.00} was approved. 
I called back todayXX/XX/2020, after reapplying online for the remaining {$110.00} to ask if their system reflected that I'm a previous customer in good status and if my approval could now be increased to {$110.00} more which would've matched their lending minimal guidelines per their website and owe {$160.00} instead of {$50.00} that I'm paying onXX/XX/2020 and was told " NO ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCC BUSINESS SERVICES continued to attempted to collect the wrong amount of a debt they claim I owed. The account NCC  BUSINESS SERVICES claims I owe is incorrect and not accurate and they have not provideed enough information to verify the debt they are attempting to collect. I have documentation showing the original amount owed to the original creditors were paid. NCC BUSINESS  SERVICES has threatened me and threatened that my credit would be damaged if I didnt settle the debt in question. I summited documents and demanded they reinvestigate this debt at once and NCC BUSINESS SERVICES failed to do so and notified me of their reinvestigation status or results. NCC BUSINESS SERVICES  continued to contact me and I requested they notify the 3 credit  bureaus and have this incorrect debt/collection account removed and the representative was very rude and used profane and abusive language. I then told the NCC BUSINESS SERVICES representative  to stop contacting me, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, XXXX {$6100.00} There is no contract, no valid claim ... account was settled with creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 








XXXX XXXX XXXX {$280.00} ( late payment ) I have never been late, and this was confirmed, and error should be removed per XXXX XXXX, and XXXX XXXX has stated that they never confirmed late payments, and apologized for any errors they may have  made ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was moved to Round Point Mortgage via XXXXXXXX XXXX  in XX/XX/2021. It took 2+ months of dealing with them to just get a simple biweekly payment schedule setup and multiple times talking to them for hours and being told it would be corrected then it was not. I then made a complaint on CFPB and a customer advocate actually helped out to get the biweekly process started, so I thought. I know come to see that my biweekly payments are not being processed as I was told when I sent it up. Screen shots and emails are in the attachments. 

This scam company is try to stop me from paying off my mortgage sooner not allowing me to utilizing a biweekly pay format to cut down on my principle. The setup below was finally created on XX/XX/XXXX and on XX/XX/XXXX my first biweekly payment was taken out. But it was never processed and put against principle like it was supposed to XXXX screen shot attached ). I request information from them over 48 hours ago and have still not heard back. I have called the advocate and every time I do it goes straight to voicemail. 

First biweekly : {$1400.00} normal payment + {$600.00} toward principal Second biweekly : {$1400.00} normal payment + {$600.00} toward principal Etc. 
For a total of 26 payments per year. 

The major red flag about this company is that you have to jump through such hoops to do the simplest of actions that most every other mortgage company has simple click of a button to get done on their website.

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 2019-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : XXXX 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Capital One Silver {$980.00} should be {$710.00} XXXX & XX/XX/XXXX Capital One {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I agreed to be placed under a forbearance. Under the agreement due to COVID-19, I was informed that I would not accrue additional fees or penalties. It not only seems as if I have accrued these fees but the fees Im being charged are to confirm I still live in the home. Even though I agreed to a forbearance I have paid two -thirds of my mortgage since XX/XX/2020 in hopes of limiting the amount due at the end of the year. As of this email I owe the bank a little over {$5400.00}. I have a statement from them showing I owe them {$9000.00}. Over the phone they say all the right things but they dont send me an adjusted mortgage statement. They only have offices in New York or Maryland and not California where I live. I need 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 monetary relief
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

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 2018-07-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loan modification package to the lender for review. I was advised twice in XX/XX/XXXX that the loan package was complete and there were no more necessary documents.

I then received a letter changing the rep on my case, and the next letter I received was a letter advising they had not received a package since XX/XX/XXXX, and that no package is in review. 


I went to court last week and the attorney advised that there was no loan modification in review. I called my lender after the hearing and they advised they have a complete package and its with underwriting. 

There has been a complete mishandling of my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Professional Placement Services, LLC
State: IL
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: Was not notified of investigation status or results

Complaint:
This Health Care facility along with Professional Placement SVCS has violated my Health Insurance Portability and Accountability Act ( XXXX ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my XXXX rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
XXXX XXXX XXXXXXXX Acct # XXXX. 

Why has this been able to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: OK
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:
My XXXX Bankruptcy was dismissed in XXXX, XXXX. And, it was deleted from my credit file but my credit score wasn't updated to reflect the bankruptcy being deleted. 

I can't dispute it since it isn't on my credit bureau report. I contacted Equifax on XX/XX/XXXX and spoke with XXXX, who informed me that the only thing that she could do was to provide me with an updated credit report. This doesn't reflect the update of my credit score when the Bankruptcy was deleted in XXXX. I explained this several times and ways and couldn't get it through to XXXX. I asked for a supervisor but none were available and would tell me the same information, per XXXX. 

I am reaching out for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: ERC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

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 2022-11-17
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # 49 Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage refuses to send me a monthly billing statement or any other notification my payment is due. How can I make my mortgage payment if the mortgage servicing company refuses to provide a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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