BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: GUARANTEED RATE INC.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage refinance with Guaranteed Rate on XX/XX/XXXX. On XXXX an appraisal was order on my property. The appraisal was conducted on XX/XX/XXXX. The appraiser sent the appraisal to Guaranteed Rate on XXXX. I requested a copy of the appraisal from Guaranteed Rate on XX/XX/XXXX and they denied they had it. On XX/XX/XXXX Guaranteed Rate informs me they have the appraisal, that it came it low but they still do not send it to me. On XX/XX/XXXX they add 3 points to the loan and change the loan amount. On XX/XX/XXXX I canceled my application. On XX/XX/XXXX they try to send me a copy of the appraisal, in the email it says " Per ECOA we need proof you have received your appraisal before we can complete the application withdrawl ''. 
By withholding the appraisal they did not afford me the opportunity to check for error and omissions and possibly challenge the appraisal. I feel like this was a bait and switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: The CMI Group, 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: Reporting company used your report improperly

Complaint:
This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We still do not have a resolution from the lender and they reordered the appraisal because they made a mistake on the previous one. Also, to add, it is very hard to get a representative on the line, usually the call drops, the Point of Contact does not respond to my emails, and most of the time the Point of Contact is unavailable when I try to reach him via phone call. We are about to lose the buyer and we need to close this 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 2020-12-07
Company: CrossCountry Mortgage LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This company is to hard to finance with. I have done everything they asked, they don't return calls but to ask for more and more to close a loan. They know my dad is hurt and going to XXXX and I gave them Loan Conditions on time and letters of understanding with there help. I ask them if I could close on XX/XX/2020 instead of the XX/XX/XXXX the answer was not going to happen we need releases. I was suppose to close on XX/XX/2020 but the lone organizer bailed so we had to change the date. I reminded them please keep in mind you made me and my dad a promise in front of sells, that you you keep the deadlines as along as we turned in everything and we did that. That was on XX/XX/2020 for XX/XX/XXXXclosing, now we are going into XXXX for closing we are a very disappointed and feeling overwhelmed! We gave up on other lenders for you guy 's and I showed that to the team and was asked to trust the process and told them on Friday XX/XX/XXXX that after Monday the XX/XX/XXXX if it is to much of a burden we walk. They called and asked for loan condition that Friday and to trust them to deliver, we compiled and now they want more after I asked to close early. Why? We are burned out paying month to month waiting for them to decide this is costing more money and wasting my time. The fact of this matter is we are being denied because of my fathers age, and XXXX and other possibility 's under discrimination act 's under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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:
XX/XX/2021 To Whom It May Concern, Over 45 days agoXXXX wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX  This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX  XXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is my XXXX complaint against Chase with regard to a repayment plan dated XXXX/XXXX/XXXX the first complaint case number was XXXX. The main point of that complaint was that the agreement stated that at completion of the repayment plan my payment going forward would be {$330.00}. However Chase started sending me notices that I was behind in my payment and were furnishing negative information to the consumer credit agencies. As the attached response from Chase to the complaint states they agreed with me that the payments would be {$330.00} and would contact the credit bureaus to amend the reporting. However now for some reason I am getting multiple phone calls and letters again about being past due on the account, threatening foreclosure, and again falsely reporting negative information to the bureaus. All of this is having a very negative impact on me both emotionally and financially. I received a letter from the Chase XXXX XXXX dated XXXX/XXXX/XXXX that basically states that they feel it was a misunderstanding that the original agreement made mention that my ongoing payments would be {$330.00} this is ridiculous and very unprofessional. They gave some erroneous explanation about interest rate changes that affected the payment but again no correspondence before ever addressed this potential change and I have attached XXXX recent letters from showing the received payments that contradicts what this is saying ( also attached are correspondence from from Chase giving contradictory amounts of supposed past due amounts ). It seems every time a payment is received it triggers a harassing call and additional letters, this is very frustrating and I want it to stop. I have completed the repayment completely as agreed and have never been late on the agreed to ongoing payment of {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs Transunion, XXXX and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Pnc isnt working with XXXX  so Im unable to link my account which is causing me to incur fees to transfer XXXX  says its PNC, PNC says its a security measure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Nelnet, Inc.
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: Investigation took more than 30 days

Complaint:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Opportunity Financial, LLC
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:
First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan. 
2nd this person was awfully rude. Unbelievably rude. 

That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is. 

Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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: Account status incorrect

Complaint:
XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/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 2020-09-07
Company: EQUIFAX, 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:
XX/XX/2020 they received and acknowledged my dispute to XXXX   XXXX & Equifax  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX XXXX  {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX XXXX {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX XXXX  I want my payment history updated to paid on time for XXXX XXXX {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Hi CFPB, For capital one credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Statewide Credit Services Corp.
State: PA
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:
Statewide Credit Service Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$270.00} dollars on : XX/XX/XXXX. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement.

Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 4 ) that I still owe {$270.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above named company was not the initial company who I allegedley did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate  information states that I did busienss with XXXX. And not Statewide Credit Service.

6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Scott Kroner PLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was recently made aware of an attempt to collect a debt from me for HOA dues and water bills by my real estate agent while I was attempting to sell a property. I was not contacted at the correct address about this and did not, at any point receive a phone call or email, despite both of these being on file.

At the point I was made aware of this attempt to collect a debt, I immediately reached out to the debt collection service. After a few days of trying to get some type of breakdown of the charges they were attempting to collect, they finally sent me a PDF on XX/XX/XXXX which just showed a series of numbers written down for each month, which did not add to the amount they were attempting to collect from me. At this point, I asked ( in writing and over the phone ) for copies of the actual bills for the things I would owe. They informed me that they did not have these and did not have to provide these because this debt was made in a business name, but assured me ( without any documentation ) that this debt was mine. They recommended that I reach out to the HOA to get these bills.

I reached out to the HOA by phone over 13 times and left multiple voicemails. None were ever returned. I notified the debt collector about this and cc'ed the HOA and neithe
r of them responded. Finally, over 4 weeks after initially requesting these documents, the HOA responded to me saying that they do not have any of these documents, and the debt collectors are acting as their representatives. At no point did the debt collectors make any attempt to contact me to get me these documents.

This whole fiasco took place as I was attempting to sell my property, and these tactics of delaying repeatedly and not providing documentation proved damaging to me. We had to continue to delay closing while trying to hunt this answer down, and finally I had no choice but to just pay them so we could close the property. Unsurprisingly to me, the HOA finally responded with more delay tactics ( to tell me to go back to the debt collectors ) within 12 hours of the
property closing, timing which shows clear intent for both the debt collection agency and the HOA to strongarm me into paying a debt without sending any validation of debt to me, as they are legally required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My direct deposit has arrived on time every other Thursday in my Chase account for about XXXX years now. Today, it was never received AND my account is in the negative. I was expecting my paycheck to cover the negative fee before any other fees were added, but since Chase is not loading my paycheck, my account now is an extra {$50.00} overdrawn because of CHASE. I am extremely frustrated because customer service is not answering!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hard Inquiry XXXX Inquiry from XXXX XXXX 2017 XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX 2017 XXXX Inquiry from XXXX XXXX 2017

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 2020-09-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For years, I have been paying all of my loans through a single payment. I have three loans. On XX/XX/XXXX, I paid {$1000.00} for my loan payments which is considerably more than the sum of the three loan amounts due. The due date for the loans was XX/XX/XXXX. I have been paying with this methodology for several years. 

For some reason, this time Navient did not apply this payment to one of my three loans. 

Upon researching this I have found that they have been charging me late fees for years on loans that I have paid in this manner. Note, I overpay so that I will not be late in future months. 

Again, they have charged me a late fee. In addition, they have listed my account as past due. 

I am including three documents listing the due dates of the loans and the payment date. Please note that in the two payment histories I am providing, the dates coincide up to 2016. For some reason, they have no history for one of the loans of any payment for 4 years.It was 4 years ago when they consolidated all of the loans to a single payment. There must be some glitch in their system now. However, I have had other problems with Navient in the past, I am no longer willing to forgive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have contacted Transunion MULTIPLE times in regards to XXXX XXXX  and the account they are reporting. I have submitted documentation and requested validation of debt and all they tell me is its validated but to not provide any proof. This account is showing TWO incorrect things ... 
1. This account is showing it is charged off/collections therefore it should not have a balance 2. I have not validated this account so reporting it on MY report is a violation of the FCRA

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