BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by the company and told I needed to take care of this debt. I think they are a scam organization, as I have no debts. I've researched that they buy up junk debts and try to collect, often from the wrong person. They have been sued many times. I have no debts what so ever that are or have been delinquent in the last 20 years. I hung up on them, but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good morning, we entered into a conventional loan with Citibank and provided less than 20 % down payment, requiring PMI monthly payments. Since XX/XX/XXXX we are providing double principal payments, to reach the 20 % equity value quicker.

Additionally, home values in the XXXX Florida area have risen, i.e. two neighboring homes, each comparable to our home, sold for {$350000.00} and {$330000.00} respectively, when we bought our home at {$280000.00} also completely remodeled ( same circumstance as the sold properties ). Lastly, we have invested in the property, made upgrades ( in form of remodel ) and also added to the property, therefore the original appraisal to the home is no longer valid.

Upon calling Citibank, twice this week ( Monday, XX/XX/XXXX and today, XX/XX/XXXX ), asking for a PMI cancellation and opening process for re-appraisal, requirements are good standing with the loan payment history, loan in place for minimum 2 years and now we are told that we have to be a 78 % home value on the loan.

This makes no sense, as at that point, it is an automatic cancellation of PMI and I wouldn't be requesting an appraisal, which at the end of the day is paid out of my pocket.

It is my feeling that Citibank is providing delay tactics and not allowing us to go through the process of an appraisal and qualify for cancellation of this additional PMI payment. If I am requesting for this process to be done, it is because we feel we our property has a higher value than what we bought for. It is my understanding that we have the right to request for an appraisal, especially given the comparable home values of recently sold properties.

Thank 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 2020-02-01
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX through Mazda Capital Services ( Chase  ) and received my first bill on XX/XX/XXXX. I opened my statement dated XX/XX/XXXX and to my shock saw the payment due date was XX/XX/XXXX, just two days after the statement rendering. The payment was already late by the time the bill got to me. 

I called XXXX and spoke with a Chase representative ( XXXX XXXX ) who was equally surprised by the chain of events. He advised I had not been assessed late fees and that our credit files had not been impacted by the situation. I made a payment over the phone that he indicated would reflect a XX/XX/XXXX posting date. All of this left me very un-nerved and I hope that he is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an amex card and decided I would pay it off. I went online into my account and made a complete payment and was told through online chat I was paid. I have never heard from this company again. Fast forward a year later i am trying to purchase a car and there is a {$13.00} balance on this card and 180 days late status on my credit report.

I have contacted AMEX and was told they can not take payment its too late and they will not remove the late charges. I have never been contacted once about this " late '' payment and was also told this was paid off. They also told me they charged me interest AFTER the card was closed which is not legal.

I would like to pay the {$13.00} ( if i have to ) and have the negative remarks removed off my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
DEAR CFPB : This matter is in regards of, 4 Debts, one is from : XX/XX/XXXX, another one is from:XX/XX/XXXX, the other one is from:XX/XX/XXXX, and the last one is from:XX/XX/XXXX. I wrote the debt collector before 30 days as per Sate and Federal Laws dictate, NOT TO CALL ME, NOT TO HARRAS ME, that this matter was closed and PAID IN FULL to the collection agency. I also requested to the collection company that if they had anything ells to please to contact my Attorney in charge of this matter. This collection Agency is abusive and keeps writing me mail and keeps calling me 4 to 5 times a day. Thank you. Respectfully yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 originally applied for the Capital One Spark Business Visa, the most basic one for people with " average credit ''. I provided all the information needed to prove my identity. They stated that because of my address on the application not matching the Articles of incorporation, and other documents that were listed in their primary identification category they used " Government Regulatory Rules '' as the reason for my denial because of the regulation that says a financial institution " must know the customer ''. I provided 2 bank statements one for XXXX Business Checking account in XXXX, TX and one for our XXXX Business Checking Account in Arkansas. I faxed a letter explaining my address situation, they stated on the application process that they needed my physical address and that Mail Box Service addresses were not allowed. So I, in turn, used my home address in XXXX, TX. I finally spoke with a supervisor agent in Virginia, and she advised that she has " seen this problem '' happen 1,000 times. Those are her exact words. All calls should be recorded and be verifiable. The fact that she also said she knows that I am a legit person and that my information does match, but that the address was different on the application they would not allow this to go through. I also have two other accounts with Capital One, a consumer Platinum Master Card, and an Auto Loan. They have enough personal and private information on me to verify my identity and this is an abuse of the consumer, our credit reports, and a lack of the business not being a true financial service trying to help out its community as this is a small business product and would help my business needs in providing services to my local and extended community. I have worked in XXXX  and XXXX  XXXX  for over 15 years and remember the days when a loan officer could fill our a sheet of paper and waive the customer 's credit report just because they said they wanted it waived because they " knew '' the customer. I was originally approved and now I'm having to have a ding on my credit report, and no credit card to justify the ding on my report. I reapplied today with everything listing the company 's address. This is application was denied immediately. So now this is another ding on my credit without a thing to show for it. I'm beyond escalated and this apparently is not happening with just me. It's got to stop, Financial Institutions can not hide behind regulatory laws just as an excuse to not take an extra step and deal with the problem, they could have compared everything and made it happen by doing a true review and not just glancing at a name and address on my documents. Application ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not my information reporting on my transunion credit report.

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 2023-03-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: HW Holding, Inc
State: NY
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:
To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with hunter warfield and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.

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 2022-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are old accounts on my credit report. 10+ years old that are not valid and shouldnt be showing on my credit report. I have been disputing these for years but the credit agency isnt doing anything. 

Additionally. There are hard hits on my account for the past year that are not mine. Ive complained, no updates from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling 4-6 times per day and on weekends.

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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
as previously notified, I am 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 explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact XXXX, Experian and XXXX I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 


I did not give my written or verbal permission for any of the above hard inquires. 

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 non-monetary relief
Consumer complaint received 2019-06-03
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an Annual Escrow Account Disclosure Statement from AimLoan.com showing an excess balance in my Escrow Account of {$730.00} - {$620.00} = {$110.00} in XXXX XXXX. I contacted them on XXXX XXXX, XXXX asking for a refund of that amount according RESPA rules. They were unable to locate the document that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : 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 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 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 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 2020-02-02
Company: CITIBANK, N.A.
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2017-12-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax has deleted these accounts and the inquiry then they reinserted the inquiries without notifying me via mail 5 days prior to doing so. The inquiry is a fraudulent inquiry from XXXX XXXX XXXX XXXX and also my XXXX XXXX XXXX was paid and consolidated so I do n't owe navient anything, the balances should be XXXX the account was also removed from my report and now has been added back with a balance! Equifax is in violation of the FCRA law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: OH
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:
I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2020-03-12
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. Bank refuses to provide access to account statements in violation of the Truth in Savings Act. Bank blocked online access and will not provide an accounting. 

2. Bank refuses to process disputes regarding unauthorized transactions on account. Because the bank blocked access to statements, a timely dispute can not and could not be filed. 

3. A deposit of {$40.00} was mailed to the bank. Bank rejected the deposit, but only sent {$34.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions 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:
Letters were sent in XXXX, XXXX, and XXXX requesting for accounts to be removed. Also there were late payments reported for XXXX XXXX that were never late. I have requested that the information be removed from my account as it negatively affects my credit. They have sent generic verified responses or haven't responded at all to my letters providing information on how it was verified, the original note, or anything. I have demanded that the information be corrected and removed.

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