BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: Title Security Agency LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX veteran and I used my VA loan to purchase a home at XXXX XXXX XXXX XXXX XXXX, XXXX. I used the services of Title Security Agency at XXXX to complete the transaction. They did not order an HOA inspection at the time I bought the home. I have just sold the same home approximately 1.5 years later due to being moved for my husbands work ( XXXX XXXX military ). We again used Title Security Agency for title and escrow work. This time they did request an HOA inspection ( did not for us when we bought the home ) and there were about XXXX dollars worth of repairs required. The Title Security Agency withheld about XXXX dollars from our closing to cover HOA repairs that they failed to have inspected for us when we purchased the house. I feel this was negligence on their part and that they did not use due diligence. We feel that they should cover the repair expenses because they failed to properly protect us when we used their service for the same home less than two years ago. 

I can be reached at XXXX or XXXX Should I report this somewhere else as well -- I don't want other people using VA loans to be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX  New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: MIDWEST EQUITY MORTGAGE, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - XX/XX/XXXX, we submit two applications for a refinance. the first one fell  through because they were too slow. Tried again, and they pulled my credit scores at least twice which causes my score to dip, which causes them to deny my application. 

XX/XX/XXXX - submitted application for a JUMBO refinance loan to XXXX XXXX XXXX, XXXX : XXXX, including all required documents. 

XX/XX/XXXX - receive paperwork to sign, which had errors in it, contact broker, but no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - finally respond, but paperwork issues are still not addressed XX/XX/XXXX - reach out with question about appraisal, no response XX/XX/XXXX - reached out again, with response XX/XX/XXXX, XXXX weeks later - because of the slow movement, banks are no longer lending. talked into an ARM refi, which we agree to on XX/XX/XXXX. 

XX/XX/XXXX - all documents are gathered and submitted XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - moves to underwriting XX/XX/XXXX - conditional approval XX/XX/XXXX - no word, i reach out XX/XX/XXXX - am told that our application was denied due to credit scores lowering, which were pulled TWICE because of their slowness. 

XX/XX/XXXX - reach out, ask if this deal is dead, no response XX/XX/XXXX - reach out again, no response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency has obtain my XXXX  son 's medical records without HIPPA release form. I have requested from them a copy of the HIPPA release form if they had one and they refused to provide it to me. 

My son has a primary and secondary insurance and we never paid a medical bill out of pocket. 

This collection agency has also reported this purported debt to all three credit bureaus and they have significantly damaged my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-01
Company: Army and Air Force Exchange Service
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...

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 2021-01-21
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was paying my loans monthly for 2 years on time never late. Was paying XXXX a month on XXXX loans .Was taken off off payment plan that I was on and never advised until sallie mae began taking double the amount from my checking account for my monthly payments. I contacted them and was advised that that program ended. When I told them I could not afford the XXXX + a month they advised me to let the loans go delinquent then contact them to be set up on a new program, but because at that time my loans were current I did not qualify for anything. So now my credit score has dropped because they have reported this to credit bureaus.when I called in to get set up on a payment plan they said all I was eligible for was interest rate reduction to 4 %, which would make payment XXXX.Previous plan i was on was 2 % and they said they no longer offer this. I told them I can not afford this I have a family of XXXX .my wife is unemployed. I am the only income. I have a XXXX XXXX XXXX and XXXX XXXX XXXX.i work in the aviation industry as a XXXX XXXX for a commercial airline. It is no secret how the airlines have been affected with pandemic. My hours and pay have been cut in half and now on reserve and my seniority in the company affected due to furloughs and base closures. I continued to make the XXXX payments when COVID hit because I did not want to ask for help and we had a little money put back and we were making it work. Who knew the pandemic would still be affecting everyone. I am not asking for them to stop payments, I am asking them to work with me on payments I can afford. Its not like we are under normal circumstances today and I know they have the ability to help. I am requesting communication with a payment plan I can work with and any negative reporting on credit report fixed since they are the ones who advised me that my loans had to be delinquent before they could help me, even though I spoke with them before they went delinquent to try and get a new payment plan. I feel this is not my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used XXXX XXXX XXXX Card in XX/XX/XXXX-XX/XX/XXXX and is supposed to receive XXXX points to my XXXX XXXX reward account. However, until now I still haven't received any points. 

I have sent messages and called to customer service of XXXX and XXXX to resolve this matter multiple times. We even have a conference call between XXXX, XXXX, and me. However, this problem still is not fixed.

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 2020-12-09
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated an inquiry regarding a refinance with a local broker. We were in the early stages of the process and apparently he forwarded my application to Quicken Loans. I subsequently cancelled the transaction without ever moving forward however Quicken Loans continued to order payoff statements from my mortgage company after the transaction was cancelled. I never worked with XXXX nor did I authorize them to request these payoff statements. This caused me to incur 4 charges of {$30.00} each for a total of {$120.00}. I have reached out to XXXX on multiple occasions and they refused to investigate. They also refused to provide copies of the authorization they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Avid Acceptance, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
complain about AVID ACCEPTENCE. ON XX/XX/XXXX i had agreement with them. as long i pay them my monthly payments. they not going to come after me for late fee. I record as voicemail from their lawyer with this agreement. his name XXXX XXXX. plus i have proof from my lawyer. And i was paying since XX/XX/XXXX or XXXX a month. but on XX/XX/XXXX i receive phone call from avid telling me that i owe to them XXXX dollars as the late fee from XX/XX/XXXX to XX/XX/XXXX when i couldn't pay because i was battle with XXXX ( XXXX and hospital XXXX, XXXX XXXX thru XXXX ) plus covit. was on medical leave plus XXXX. thats why i had that agreement with there lawyer. but the represenative dont care hi said i need to pay XXXX they repossesset the car. and they didon XX/XX/XXXX. then they send me the letter that i broke the promise in our agreement, but i didn'i have proof they did. if they will go after me more i will put this case to court. 
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 2020-11-02
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I recently paid a {$200.00} deposit for my prepaid credit card on XX/XX/20. I am still getting emails stating that my application is incomplete and they need {$200.00} refundable deposit. I have already verified the payment has posted to my account and the money is gone. I spoke to two different representatives at this company who could not confirm if my payment was received or I why I am receiving emails asking for more money. At this point I want my money back the represent stated I would have to wait until my application completed processing and I get my card before this happens. I feel like this company is a FRAUDULENT and Scamming company. They have no contact information listed and the representatives have no idea how to help you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted several ( 5 total ) factual based disputes to TransUnion and provided documentation demonstrating and proving to TransUnion my dispute is valid ; however, TransUnion continues to report inaccurate information yet TransUnion has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified. 

I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and TransUnion several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

See attachment " Disputed Accounts_TransUnion '' for list of accounts in dispute

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 2020-11-02
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
I did a credit check and an inquiry that was made with TD retail card services wasn't by me. Someone either tried to open an account or has opened an account under my name with TD bank. This has also caused my credit score to go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
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:
My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for Equifax and XXXX, which is a public record, XXXX,, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX  came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in ( UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
The credit bureaus such as TransUnion, XXXX, and XXXX are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.

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 2020-08-31
Company: SUNRISE CREDIT SERVICES, 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: Was not notified of investigation status or results

Complaint:
sunrise debt collection contacted me by phone at my job about XX/XX/XXXX years ago regarding an unpaid bill, but never was aware of the call they said they sent me a letter about 3 years ago, today they hit my credit report with 40 late payments. their answer was I spoke to them in XXXX when I asked the date they said XX/XX/XXXX which is today the day I called them regarding the situation. they say they have been calling me, however I have not one message from them in years. this is unfair debt collecting. I have 100 percent payment history and no derogatory marks until today. Had I been reminded in the last few years I would have resolved it before it came to this again no calls or messages or letters have been sent to me in years no judgements either.

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 2020-11-02
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 am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute over a faulty product with my bank. I paid for a new screen for my XXXX. I brought it home and when I tried to use it, the a crack showed up on the screen. It was a defective product so I filed the dispute. Chase contacted me and said I won the disput and that the temporary reversal of funds would be permanent. I then went to XXXX where a month later all my money was taken from my account with no notice and Im stranded here with no money. Chase has not fixed this issue and this has caused me loss of safety in another country and fee for other bills not being paid. 

Chase said the merchant proved they provided a service. So they sold me a new XXXX screen which had a crack in it and the paperwork saying the sold it to me was enough? The service they sold me was defective. It never received a working XXXX  screen yet you overdraw my account because they said we provided a service. I called and told them I have photos of the XXXX  with they merchants temporarily screen cover still attached. What other proof do I need?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: DE
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation