BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in XXXX of XXXX, I was a victim of identity theft where thieves stole from my personal banking account well over {$2500.00}. As a result, I had to file a police report and open a criminal fraud investigation with my banking institution which didn't resolve the case until XXXX of XXXX. As a result, I fell behind on my payments to my creditors since I didn't have access to the funds needed to pay them being a victim of theft. I reached out to JP Morgan Chase notifying them and they put me on a payment plan which I am on now. I also sent them a certified letter explaining the situation and asking for an update on the negative credit reporting for the delinquent periods taking into consideration that prior to being a victim of identity theft I had always had on-time payments. On XX/XX/XXXX, a rep named XXXX from Chase 's Credit Bureau team told me that although I was a victim of identity theft there is nothing they can do to update the credit reporting. I kept explaining why I was needing it updated based on the circumstance of having been a victim and she told me there was nothing they can do for me. As a customer, I am shocked and hurt that being a victim of this situation there is nothing Chase can do as a long-time customer. This is causing undue stress for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XX/XX/19 I did not get or try to get XXXX XXXX. I havent been in cali since XXXX of last year. My dad was in the hospital sick

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced last fall with XXXX, and our mortgage was being serviced by XXXX XXXX XXXX. We then learned that our mortgage was being transferred to Mr. Cooper. It took a very long time - nearly two months from when we received notification that our loan was being transferred - before we were able to access our information on the Mr Cooper site. ( We got the transfer letter XX/XX/XXXX, and it was XX/XX/XXXX before I was able to set up my account with Mr Cooper and make payments. It's possible that I could have set the account up a few days before then - I was trying at least once/week, but wasn't trying every day. ) During the long period when we weren't able to access any information about our loan on the new servicer 's web site, I had extended conversations on the phone with representatives from both XXXX XXXX XXXX and Mr Cooper in which I was assured that everything was fine, not to worry, there's a 60 day grace period in which there aren't any late payment fees or negative credit effects or anything in order to allow time for everything to transfer over. 

After setting up our Mr Cooper account and making payments, and it seeming as if everything had finally been resolved, we received a letter dated XX/XX/XXXX stating that our loan was in default. I was pretty sure this was some kind of clerical error, and talking to representatives from Mr Cooper on the phone today it sounds as if that's correct, but still - it's absolutely terrifying to get a letter saying that we're in default on our mortgage, after getting repeated assurances that everything is fine and we have a 60 day grace period and it's all going to go smoothly and not to worry. 

So I want to ( a ) make sure that it's really true that there aren't going to be any negative effects - that the only mistake was sending out the letter to us, and that there weren't also negative reports erroneously sent out to credit agencies, ( b ) ensure that if there were any additional erroneous reports, they're corrected, and ( c ) register a complaint about the sending of such a terrifying document when our loan was not in fact in default. Even if it turns out that there aren't any tangible negative financial consequences for us, it's still not ok to send out letters that are going to scare the daylights out of people when in fact all that's happening is that the mortgage servicers are taking a long time to sort out the exchange of information ( or whatever it is that makes it take so long for the transfer to complete ). I've also now lost much of a work day on the phone trying to sort this out and make sure that we actually aren't facing a total, life-altering financial catastrophe. So another motivation for filing this complaint is to provide some impetus for Mr Cooper to change their practices around sending these " you're in default '' letters in order to prevent other people from having to go through this sort of terrifying experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Mid-Continent Funding, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern, I am writing to file a complaint against veteransloan.com, a mortgage lender, for discriminatory practices based on immigration status. On XX/XX/2023, I applied for a mortgage with veteransloan.com, and I was pre-approved for the loan. However, on the week that I was supposed to close on the house, my application was denied on the basis of my wife immigration status. 

I believe that this denial was in violation of federal anti-discrimination laws, specifically the Fair Housing Act and the Equal Credit Opportunity Act. While my wife not a U.S. citizen, she has a valid Social Security number and have been a legal resident in the United States for about 2 years. I provided all necessary documentation to verify my income, creditworthiness, and identity, but my application was still denied.

I am concerned that veteransloan.com may be engaging in discriminatory lending practices based on immigration status, which is unacceptable and illegal. I request that the CFPB investigate this matter and take appropriate action to ensure that veteransloan.com is complying with all applicable fair lending laws. 

I have attached copies of all relevant documents related to my mortgage application, including my pre-approval letter, denial letter, and supporting documentation. Please let me know if you need any additional information to investigate this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 2020-09-21
Company: Exeter Finance Corp.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX purchased a XXXX XXXX XXXX for {$14000.00} Exeter Finance is the lender, payments of {$370.00} per month Had total of 6 months deferred payments since XXXX. Shows late fees for this year of {$25.00}. Balance still due is {$5400.00}. Was given a 10 day payoff on XX/XX/XXXX for amount of {$5700.00}, since XX/XX/XXXX made {$900.00} in payments, that only reduces pay off by {$340.00}. 
This account is at its mature of the loan .... Interest 23.99 % I feel there are additional fees that I am unaware of and that if that is the case they exceed the federal limit of 18 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks

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 2023-04-07
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received an email stating that I'd opened an account with Regions Bank and shortly after, I received an email stating I'd updated my email address. 

On XX/XX/2023, I received a confirmation email from Regions Bank stating that I added the standard overdraft coverage. 

I didn't open any accounts with Regions Bank nor did I add any services. 

I don't have an account with Regions Bank nor have I ever had an account with them. 

I tried calling the numbers that were posted without success. The reps needed the full account number or my social security number. I didn't have the full account number and wasn't going to provide my social security number. 
I reached out to a colleague for a contact at Regions and he provided one on the business side. 

She referred me to file an ethicsreport aXXXX XXXX. It looks like it was more related to either an employee or someone that does business with Regions but I completed it anyway.

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 2020-12-06
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied to refinance our home 's mortgage. We were hoping to reduce the interest rate on the loan. We applied for the loan through LoanDepot. We were approved for the loan, and paid all fees and cost, including {$500.00} for the inspection. Then we heard nothing. I tried contacting the LoanDepot loan officer ( XXXX XXXX ), and he responded several times, telling me that the loan was fine, and with the " underwriter ''. Then I received and email from LoanDepot informing me they had discontinued processing the loan, and asking if I would fill out a survey describing my " experience ''. Getting ripped off for several hundred dollars is never a good experience, but it is memorable. 

I immediately contacted the LoanDepot loan officer ( XXXX XXXX ) asking what had happened, and was I really out several hundred dollars. He told me they had been trying to contact me, to set up the closing, but I hadn't returned their calls, so the canceled the loan. I reminded him that I had been emailing him asking where the loan stood, with him always assuring me it was fine and in the underwriting process. If they were trying to call me there was no record of any incoming calls on my phone, the loan officer never tried to reach by email, and the time they claim they were trying to reach me was over thanksgiving week. 

After expressing outrage about the horrible service and money wasted with LoanDepot, they ( XXXX XXXX ) told me if I paid some additional fees they would reinstate the loan. Foolishly I did. I never heard from them again. I tried calling the loan officer, customer service, and just the the main line, never being able to get through, leaving a message in all cases, and still never hearing from them. 

My wife and I are very fortunate, and have remained employed during the COVID pandemic. We make very good salaries and have near perfect credit ( 820+ credit ratings ). We were simply refinancing ( no cash out ) and asking for less than 65 % of the home 's value. There is no reason for this loan not to have been made. 

They are a black box and they have stolen several hundred dollars from me, and I have no recourse. They stink. Protect others from LoanDepot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-11-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Convergent Outsourcing had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: NV
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:
These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
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 2023-04-21
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-01-25
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a partial payment prior to receiving a " trial '' payment in hopes of getting a loan modification. {$1300.00} Rushmore loan management is refusing to allow me to apply the {$1300.00} money in the suspense account to my trial payment. 

They are inhibiting me from successfully completing my trial payments. 
They are holding my money, they will not send it back and they will not apply it. 
In essence, they are stealing from me. 

They want their customers in foreclosure to fail to make trial payments. 

RUSHMORE NEEDS TO EITHER ALLOW ME TO APPLY THE {$1300.00} to my XX/XX/XXXX payment or they need to send the money back to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector continues to call my PREVIOUS employer on his personal cell phone number. I have not worked for him in over 5 years. Its highly inappropriate. 
Dates called : XX/XX/19 through XX/XX/19 to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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: Personal information incorrect

Complaint:
Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans

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 2021-05-20
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Company is XXXX XXXX. Account number is XXXX. 
XXXX on vehicle ended XX/XX/2021. I sent a check for {$31000.00} to XXXX XXXX to buy the car. They cashed the check XX/XX/XXXX. I have yet to receive the title. Have called numerous times, and been told they have not received the needed signed bill of sale and odometer statement. I have sent these documents now at least five different times, via fax, email, and certified US Mail. I have received email confirmations from them that they received the documents, or fax confirmation, or USPS proof of delivery. They continue to tell me they never received any of the documents, which is obviously false. 
They need to either send me the title immediately, or refund my money and take the car back. 
They are maddening to deal with. 
I hope you can help with this matter.

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 2023-02-22
Company: EQUIFAX, INC.
State: GA
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:
Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
I sent a letter last XX/XX/XXXX to remove this inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this inquiry not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Google Compare Credit Cards Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased a {$100.00} google play card at XXXX store in XXXX XXXX Oregon but I couldnt use the card cos I get an error code whenever I try to redeem the card needs more information. 
Date : XX/XX/2022 Amount : {$100.00} google play card Company : google play card I contacted google but few days later I got a response like appeal isnt eligible I need my card activated for use.

Company response to consumer: Closed with explanation