BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: AMA Advisors, LLC.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to my mortage company on XX/XX/2020. I requested a Forebarance. I was told by the rep I had already used my forebarance periods, except 1. I asked her to look up that I had not ever missed a paymet before XXXX, however, she didn't speak english and I couldn't understand her. I asked for a translator, via email but no one ever responded to me. I did request the 1 last forebarance period Homebridge said I had online, but was denied. Now they are showing a late payment. I have tried reaching out 6 times via chat and email but they always give me a canned answer or disconnect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No information has been verified connecting me to these illegal accounts that XXXX XXXX has false open. I Have not signed or offer any social security number has been verified or provide.

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 2017-12-10
Company: GREAT LAKES
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from XXXX proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on XXXX  reporting of this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: NV
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:
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Experian and XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Account information incorrect

Complaint:
I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
I recently challenge experian to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to EXPERIAN was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Experian allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Experian, and it refuse to investigate and still allow XXXX Consumer a to violate the FCRA. If EXPERIAN still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. EXPERIAN a allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to Experience. 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 2020-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The attached letter reflects If you have questions about this issue, please call XXXX at XXXX, extension XXXX. I called 5 days ago and have yet to receive a return call. I wanted to discuss several other points in the letter. The letter also reflects We investigated and found the account was valid because we received payments from accounts in your name. You later confirmed that the account is valid. Yes I made payments on my card but not the payments that bounced in XXXX that allowed the credit limit to be exceeded. The letter also reflects Due to retention timeframes we are not able to confirm how the phone number was updated. This should have been investigated in XXXX so the timeframes would not have been relative. The letter also reflects However, once an XXXX is returned because we were not able to locate the account, we suspend that checking account for future XXXX usage????????? This isnt correct. There were multiple large fraudulent payments. The letter also reflects You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. This makes no sense. My account, fraudulent payments, and Chase wants to keep the thief private. The letter also reflects On XX/XX/XXXX, you mention that you knew the person that used your card and on XX/XX/XXXX, you stated that the suspect might have used to card for purchases on your behalf. Due to retention timeframes we are not able to provide you with a summary of the call from XX/XX/XXXX. I knew the person who I listed on the sheriffs report. This is a problem of recording calls or interpreting what someone is saying. I stated I didnt know what she purchased. I thought the question was idiotic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is a follow up to my complaint reference number : XXXX filed on XXXX XX/XX/2020 The bank, JP Chase Morgan, has not given me a definitive answer whether the beneficiary bank received the funds. As of XXXX XX/XX/2020, Chase emailed me saying that " they received the confirmation from the intermediary bank, so we know for sure that the beneficiary Bank has received the funds. As soon as we confirm that the funds were applied we will let you know ''. 
I spoke with the Chase agent on XXXX XX/XX/2020 requesting her for a copy of the XXXX report but up to now, she has not sent it yet. Also, I have not heard from her whether the funds have been applied as indicated in their email. 
This complaint is now on its third month without any resolution because Chase is not doing its best to have the funds transferred to the recipient bank. 
The Chase agent has just given me a run around about the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " Equifax has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and Equifax comes to the same final conclusion and outcome as did XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Timely escrow payments and treatment of escrow account balances. 

My loan was paid in full on XX/XX/XXXX as the result of a refinance. I called and requested my remaining escrow balance be mailed to me shortly after my pay off date. I was told by Roundpoint that according to Reg Z, they had up to 20 days to send it to me and would not be able to fulfill my request for it to be mailed that day. I was told that the request had to be sent to XXXX XXXX XXXX to be fulfilled. I submit this complaint today, XX/XX/XXXX and I have yet to receive my refund check. I called Roundpoint on XX/XX/XXXX and confirmed with the Roundpoint representative that the check was mailed on XX/XX/XXXX and I still have not received my check. Roundpoints system of record indicates the escrow was dispersed on XX/XX/XXXX, but according to the Roundpoint representative I spoke with the check was not mailed until XX/XX/XXXX, which is 22 days. 

Paid in Full on XX/XX/XXXX. 
Today is XX/XX/XXXX. 

28 day difference not including holidays and weekends. This time frame is not reasonable according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, 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:
In XX/XX/2018 I found out that I was a victim of Identity theft. The police were contacted and a report filed, as well as the FTC and the Credit Bureaus. To date Equifax has not removed any of the accounts that have been reported as a result of the Identity theft. I have sent three letters providing them with all of the information request in regards to the Identity theft and they still have not removed the fraudulent information. I am in the price of seeking legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When paying my XXXX statement on my XXXX Visa Card issued by Synchrony Bank ending XX/XX/2021 I had selected to make a one time payment using the option to pay the full statement balance on XX/XX/2021 - the payment due date. The amount that was paid on XX/XX/XXXX was {$280.00} however the statement balance was {$280.00}, therefore the balance was underpaid by {$.00} and I was then charged interest of {$3.00} on the balance on XX/XX/2021. I then got in contact with Synchrony and I was told that the interest was indeed related to the {$.00} underpayment of the balance. I told them that I had selected to pay the full statement balance, which it seems did not occur, and I was asked by a representative if I had a screenshot of myself selecting the pay statement balance when I chose to pay. I feel this is not a normal request or practice for any reasonable consumer. In the end they did reimburse me for the interest charge " this time ''. However I feel that this is misrepresenting the option that I chose and may be an underhanded attempt at collecting fee 's on the card for which I have never carried a balance on before.

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.

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 2017-08-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!

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 2018-07-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a research request for credit file confirmation # XXXX to have addresses that I have never lived at removed from my file. I included a letter requesting the incorrect information be removed along with the required proofs if identity. I have now received credit file conformation # XXXX and the incorrect addresses have not been removed. The incorrect addresses are XXXX XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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 fraud alerts or security freezes

Complaint:
I was informed by a creditor that Experian claims they do not have a valid phone number for me on XXXX XXXX. I placed a security fraud alert on my XXXX file on XX/XX/2018, with a valid phone number, and equivalent informed me they would inform the mother two credit bureaus, which did not happen. I am attempting to call Experian to update my phone number and there is no way to get a person on the phone. I have called 15 times, and there is no way to get a representative, only automated.

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