BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Bank of America in XXXX of 2021 to refinance two properties my primary home and a rental property. After encountering several issues with scheduling my appraisal with an appraiser for my rental property, BOA was forced to step in to have the appraiser schedule my appraisal. After encounter challenges upfront with the appraiser, I then received an appraisal that undervalued my property by over than XXXX dollars. From a review of his analysis and the pictures taken it was obvious to me that this was a deliberate attempt to impact the financial viability of my refinance. I drafted a memo outlining the inaccuracies in his appraisal as well as provided information to support a higher appraisal value. I then requested a re-evaluation of my appraisal outlining the following information for consideration : - Market Rents : Using the income approach based on my current rents the property is valued at XXXX higher than the BOA appraisal. I used the same methodology provided by the appriser and simply used the rents from my existing lease. This provided a estimated value of XXXX higher than the appraisal provided by BOA. Please note BOA 's underwriters also have a copy of my lease and tax returns to support the higher rents XXXX XXXX. The appraiser listed in his notes that the lower rents helped to justify the value of the unit. 

- Rennovations : The appraiser used properties that were not renovated as comparable properties. I provided a breakdown of the improvements and pictures to showcase the more than XXXX in improvements ( renovated bathrooms and kitchen, new hardwood floors, lighting and smart fixtures ). 

- Comparable Properties : Given the status of the market in XXXX in the XXXX neighborhood there is very little inventory on the market and most of the properties for sale are townhomes vs. condos. This makes it harder to find relevant comparable properties. On my appraisal the appraiser used comps that were located in the same building but are not strong comparables given the following differences 1 ) floor plans 2 ) improvements/ upgrades 3 ) unit features. 4 ) unit floor. All of which help to drive value for my unit which is located on the top floor and is a two-level ( spiral-up ) property versus the comps which were one level or spiral down which is less desirable. 

In addition to this information, I also provided the MLS information for a unit that matches my exact floor plan that sold at the recommended appraisal price two years ago. Since this unit was sold the market has just increased and there is no rational justification for why my unit would now sell for more than XXXX less as my property has been full renovated.

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 2023-08-09
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 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 2019-12-03
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2019 I recieved a notice for the possibility of streamlining my current FHA loan to save money on a monthly basis from Village Capital. I called to inquire and the representative took some basic information and informed me that she would not be able to answer all my specific questions but that a mortgage specialist by the name of XXXX would be contacting me. A day later when XXXX contacted me, I inquired about my concerns and legitimacy of the streamline program and made it expressly clear that I would do research and get back to him if I was even interested in pursuing said streamline loan. After research, I found red flags and of course did NOT want to use their company nor did I ever call back to give any form of " go ahead '' or confirmation that I wanted the process to begin. My omission to call back was clearly not acceptable and I can only assume that after several unanswered calls, XXXX took it upon himself to pull pay off information from my current lender and process my loan. I did not authorize anything. When I recieved closing documents I became very alarmed and called both XXXX and the additional contact numbers that were given in the packet of documents. Nobody answered and I left a very detailed message explaining I NEVER gave permission for even my information to be inquired upon, let alone documents prepared for signing. I even warned them that it was an invasion of consumer privacy and that I would be reporting such information if they did not stop the process immediately. Low and behold yesterday, XX/XX/2019 I got a voicemail from a notary confirming my appointment, at my home, for closing! I was unbelievably upset that Village Capital could even begin to go as far without any acknowledgement to even request for payoff amounts, let alone proceed to closing when I provided them with NO information needed to proceed with any legitimate lending. I immediately cancelled that appointment and explained to the second party notary of said fraudulent company. I feel my privacy is extremely violated and my current and legitimate loan with XXXX XXXX could somehow be in jeopardy of being transferred. I have signed nothing, consented to nothing, and want nothing but for Village Capital and Investment to erase all information they have on me as if I never even called them to inquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-09-23
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
4 unauthorized transactions via a debit card occurred on XX/XX/2022 totaling {$1500.00} This was reported on XX/XX/2022. 
Chime states that Regulation E indicates that these transactions do not qualify for a provisional credit. This is incorrect, and a violation of 12 CFR Part 1005 ( Regulation E ) as the transactions were unauthorized point of sale transfers. Chime has not responded to my most recent support request dated XX/XX/2022 ( one month after these transactions were reported ) requesting that a provisional credit be issued in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: AZ
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:
Equifax has not updated an account since XX/XX/2021. I was removed as an unauthorized user for one credit card on XX/XX/2021 that still appears on my credit report. Another account that I was added as an authorized user shortly after has still not appeared on my credit report. These two accounts accurately reflect on my XXXX credit report and my score is over 60 points better because of it. Equifax is causing my hundreds if not thousands of dollars a year by not reflecting my most up to date credit information for lenders. When I requested my full credit report from annual credit report.com, Equifax provided me with a completely blank document and has not responded to my complaints of withholding my personally financial information. Equifax should be fined for violating credit reporting rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 a XXXX  account, for my company, and is not a personal credit card account. No documentation or signature or authorization was ever provided outside of XXXX   application, and outside of any upfront disclosures, and outside of any transparency as to personal credit reporting. Account is not mine. Account belongs to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: U.S. BANCORP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by US Bankcorp and XXXX XXXX. This is under 15 US Code XXXX XXXX. XXXX XXXXXXXX inquiry happened on XX/XX/XXXX and XX/XX/XXXX. US Bankcorp inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according 15 US Code 1666. 

My student loan ( XXXX ) was forgiven by Pres. Joseph Biden. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under US Code 1666

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 2022-09-23
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collection company continuous report/ increase my debt to credit bureau monthly by a {$1.00} to damage my credit. I believe its predatory collection practices and need to stop.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the Fair Credit Reporting and XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which was causing a lot XXXX XXXXXXXX, I contacted all companies multiple times theres invalid and in-accurate and questionable items the agency didnt make sure it was reporting 100 % correctly. 
and according with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 u.s code 1681 ( e ) and 15 u.s code 1681 ( 5 ) these accounts are in violation of reporting inaccurate information and not 100 % accurate, and Ive received no response from Experian

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 2022-09-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX placed an order for buying XXXX XXXX for a sum of {$57.00} through PayPal and I never heard back form the fraudulent seller! I contacted PayPal in this regard and unfortunately they told me the transaction was made through " personal '' not " purchase '' transaction and they can not help with that! This is very frustrating for me because I am the payer told them it was for " purchase '' and the fraudulent seller made some trap in the payment to make it recorded as " personal '' and PayPal should block such frauds to happen through their website. The information of the seller is given below : PayPal XXXX ID : XXXX Date : XX/XX/2022 Amount : {$57.00}, Paid with : XXXX  XXXX XXXX ( XXXX ) Seller info : XXXX, XXXX XXXX XXXX See attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I finalized a Home Equity Option agreement with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. The agreement was subsequently assigned to RoundPoint Mortgage Servicing for servicing of the agreement. Upon request from Roundpoint, I forwarded all evidence of property insurance, including Flood insurance, Condo Unit Owner 's insurance and Condo Master Policy insurance to Roundpoint by uploading unto their website, by email and mailing current copies of each property insurance. In addition to calling, in XXXX and XXXX, and speaking to Roundpoint representative, who assured me my insurance policies were up to date, I also had my insurance providers add Roundpoint on my policies and forward the insurance information directly to Roundpoint. Nevertheless, I continue to receive notices ( first notice received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) from Roundpoint for evidence of insurance and payment for XXXX XXXX. Finally, I called Roundpoint again on XX/XX/XXXX, after receiving the XX/XX/XXXX dated notice. Needless to say, I was very frustrated. The Roundpoint representative hung up on me before I could finish explaining my situation. At first, I thought it was a disconnection, but since I did not receive a call back, I decided to call back once again and was then transferred to the insurance department. After what amounted to be a long wait, the insurance representative got on the line and proceeded to indirectly mock me and my accent; pretending not to hear or understand me. He then placed the call on speaker which caused an echo in the connection. He appeared to be having fun at my expense. I had never had this issue on previous calls, and plan to pursue legal action if this issue persists, and the I continue to receive the harassing notices.

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 2022-05-21
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX a credit report was ordered by XXXX  XXXX XXXX from a unknown person for a XXXX XXXX Credit Card. The application was made containing my name, DOB, SSAN, and home address, all information correct however the application DID NOT COME FROM ME AND IS FRAUD. Credit alerts and freezes have been implemented, notifications have been made and the credit card WAS NOT issued

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 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To Whom it May Concern, I received the attached letter from 5/3 stating my account was overdrawn {$160.00} and counting. I have not used this account in months and left a nominal amount ( believe around {$1.00} or {$2.00} in it ) and now all of a sudden I am overdrawn {$160.00}. I have no access to online banking, I have tried to regain access and it does not allow me to login. Password reset or other attempts are failed even after I provide the required information.

5/3 Terminated my online access and failed to mail me statements for me to even see what is going on with my acccount. Reg E requires periodic statements, especially when there are transactions and/or fees. 5/3 never sent that, but sent me a letter stating I owe {$160.00}.

I dispute that amount owed and any amount of the fees. I am requesting 5/3 advise me what caused the account to go overdrawn, if the charge is valid, then I am requesting 5/3 to honor the charge ( which apparently they have already done ) reverse out the fees because I had no ability to access my account to rectify the situation and I will set up a transfer to pay. Otherwise if I don't recognize charge, I would like to dispute it. I would also like to obtain account access again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SUNRISE CREDIT SERVICES, INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Kohl 's is reporting a balance of {$280.00} on an account that I settled with them in XX/XX/2012. I agreed to pay {$170.00} as settlement in full for this account in XX/XX/2012 and Kohl 's accepted this amount. However, I now find that they are still reporting a balance. It is my belief that Kohl 's failed to write off the amount of the debt that was forgiven in settlement. I have requested, under the Fair Credit Billing Act and other federal laws, detailed financial information directly from Kohl 's documenting that balance and payments made, but Kohl 's has stated that they can not provide that information. The reporting of this balance and delinquencies from XX/XX/2012 to now, are causing me difficulty in obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
citi bank is redlining me. Period. 

This is the third time going to the site and doing this and that and will not open! 

upload my driver license they say they can not identify me ( they know me ) I tried to open there 21 month credit card offer and they will get back to me same thing they said the last time! They I thought maybe I can open checking and savings and again go spend time to fill it all out and that is when they said we can not identify me? There AI is not that 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