BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinance through my current lender, Freedom Mortgage, the first week of XXXX, 2019. I was told we could do a streamline refinance on our FHA loan and also remove our co-borrowers at the same time, as long as our credit scores qualified. They pulled our credit and gave a pre-approval based on credit scores and check stubs. After a few weeks they finally got the title cleared with the co-borrowers removed. Several different people ( at least 6 ) from  XXXX have dealt with my file since I started this in XXXX. Some of those people asked me for the same documents that I had already sent to someone else. I would go several days without hearing anything and then call for an update and they would ask me for more information. Last week, they had me still conditionally approved based on some explanations they needed for my credit report and verification of income. I sent them the explanations and they verified income and sent back to underwriting. Then, this morning, I get an email saying my file was denied due to " obligations in excess of income ''. No phone calls, no more explanations. I have tried several times to reach my loan officer and his manager, left voicemails and emails and have not been able to speak with either of them all day. I don't see how I was conditionally approved and then, all of a sudden, after two and half months, they deny my refinance based on debt/income ratio. They had my credit and income information from the very beginning. If there was a problem with debt to income, why would they have conditionally approved it to begin with? They had me sign 3 different loan estimates throughout the process as well. I have attached screenshots of some of the emails throughout the process with names and dates/times shown.

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 2018-12-27
Company: Experian Information Solutions Inc.
State: WI
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 sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't

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 2020-05-09
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XX/XX/2020 - XXXX XXXX XXXX NMLS # XXXX ) of XXXX XXXX XXXX  informed me my credit score wasnt good enough for a VA XXXX XXXX. Stated I would have to pay 3 points / ~ {$17000.00} to obtain a 3.875 % XXXX XX/XX/2020 - XXXX XXXX ( NMLS # XXXX ) of Amerisave Mortgage Corp quote a refi rate of 3.625 % with {$2000.00} lender costs plus title and appraisal fees. When informed I was aware VA XXXX did not require appraisal he stated my credit was not good enough. When questioned credit requirement he abruptly ended the conversation. 

I owe {$510000.00} on a house that appraised at {$590000.00} 6 months ago when I bought it. I have installed a {$60000.00} pool and am confident the prosperity value is north of {$600000.00} based on local comparables. 

Why cant this Veteran with a service connected XXXX get a VA XXXX????

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I REPORTED TO XXXX XXXX XXXX  THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. 

At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act XXXX request is to be rescinded before assisting me with applying for this transaction. 

I declined the mortgage loan officer request, and made it clear that I will not rescind my ECOA ( Equal Credit Opportunity Act ) request prior to completing an application. 

I have not heard back from the mortgage loan officer, nor have I been granted the opportunity to apply for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery called my job on XX/XX/2022 at XXXX XXXX. eastern time. Portfolio Recovery was told not to contact or call my job anymore. Portfolio Recovery did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXXXXXX XXXX. This is a violation according to15 USC 1692c : Also, Portfolio Recovery has sued me and taken me to court and the judge dismissed the case due to Portfolio not proving that I owed the debt and they did not show up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/XXXX at XXXX PDT, I called Barclays customer service and spoke to XXXX ( ID # XXXX ) to understand my trip cancellation insurance benefit and to make sure that my upcoming trip that I was thinking about canceling due to the coronavirus outbreak would be covered. She confirmed that it would and I should call the same number and they will start a claim process and I should have the refund within 7-10 days. So that night I cancelled my trip and called your customer service the next day, XX/XX/XXXX at XXXX PDT and spoke to XXXX ( ID # XXXX  ). He directed me to the department ( XXXX ) that handles the claims and I gave them all the information they requested. I was told I would get an e-mail within 3-4 business days ( Ref # XXXX ) I never got an e-mail and after waiting for a week when I called in I got a response that XXXX doesn't handle this claim and I should call Barclays. When I call Barclays, they say I should speak to XXXX and this loop has continued with no one actually listening to what I'm saying or helping, they just keep repeating the same thing as if reading from a script. I then contacted the Barclays Executive Office and received a call from XXXX ( Ext XXXX ) and she said she will look into the matter and call me back within a week. I never got a call from her, so I called her on XX/XX/XXXX and left her a voicemail - again no call back or response of any kind. I was told by XXXX that if nothing works I should open up a dispute and that would take care of it so on XX/XX/XXXX, I opened up a dispute and the charges were reversed. Now on XX/XX/XXXX, more than two months after this ordeal, i get a letter saying that they have rebilled my account. Again, when I called the dispute line they are clueless and just repeat the same canned lines over and 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 monetary relief
Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America is reporting a late on XX/XX/20 and it is inaccurate. I recently checked my credit file and noticed that this late was reporting. I had set up skip a payment with Bank of America and they said that no late would report. However, I assume the representative didn't set it up correctly and it reported a late. I was never late, this is not my error. Please remove the late notation from my credit file.

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 2021-05-05
Company: Universal Payment Corporation
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
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 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 tried to get XXXX Experion and XXXX to take fraudulent addresses off my credit report. I just received a copy of my Experion credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by South Texas XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. 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 non-monetary relief
Consumer complaint received 2018-04-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in the modification process since XX/XX/XXXX. My file has been under review for months, and I am constantly being asked to resend the same information over and over. There has been an issue with the XXXX Tax returns. On several occasions, I was asked to explain information that was clearly delineated on the tax returns. I have sent in the schedules.. the returns, but I am repeatedly ask to resend the same information. After going back and forth with this issue, I am now being asked to resend the XXXX because it had been expired. Again, why wasn't the XXXX used to order the tax transcript to help the underwriter understand my income? I have been asked numerous times about my ownership in the business, and if I have another business. All this information was given when I initially applied for a modification. There are so many different relationship managers calling and requesting the same information. It is extremely frustrating, and I do not believe Chase has used its due diligence on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had personal students loans in default and had a parent plus loan that was in good standing. My child was not able to receive all of the parent plus loan because of my loans being in default. When I was notified of this problem I tried consolidating my loans and my parent plus loan to get my loan out of default. I used the provider XXXX because my parent plus loan was already with them. I received a notice via email that my loans were denied. I was under the assumption the loans didn't go through. Come to find out at a later date that only my parent plus loan was consolidated. However I didn't want just my parent plus loan consolidated. It was in good standing. I tried speaking to XXXX and they said they couldn't reverse the loan and that I had to contact Navient. When I contacted them they said it was pass my 10 day mark. But I was not given a letter and or notification. I am highly disappointed. I did not get the serve that I wanted and am force to pay for something that I never agreed upon. Please I need help I want to see what a judge has to say about the matter. What is the process. Please email me back at XXXX Thank you for you attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed Incorrect and Inaccurate Information on my Consumer Credit Report with Transunion LLC ... 
They sent me the Results on their Initial Dispute Investigation and some Items were Updated ... 

I sent them an Express Letter with the Postal Service on XX/XX/2020 requesting a Method of Verification of the Dispute Items Results under the Fair Credit Reporting Act Section 611 ...

They had 15 Days under the FCRA Consumer Law to give me a Response on their Method of Verification..

Transunion LLC sent me back a Letter Dated XX/XX/2020 basically refusing to give me their Method of Verification ...

I would like Help to Resolve this Matter and Hold Transunion LLC accountable for Missed Financial Opportunities because of the Negative Items on my Consumer Credit Report ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I have been using PayPal to receive payments for my XXXX  business ( XXXX XXXX ) also I am using it sometimes to pay. 
On XX/XX/XXXX I give my PayPal account to one of my clients to send me payment, after that I got a mail from PayPal that my account is permanently limited then I got mail informing me that my account temporary limited and asking for some information to submit ( The mail that asking for Information arrived after the permanent limitation mail ). 
So I contacted PayPal customer services asking for the reason and they tell me the decision is final and didn't give me any clear reason. 
After days of searching and contacting my client who send the transaction. 
I discovered that he was using XXXX platform to convert his crypto coins and send them automatically to my PayPal account. 
I didn't know that he will use XXXX platform to send it to me. 
and my client didn't know that PayPal doesn't allow dealing with XXXX platform in my country XXXX. 
I really didn't do anything illegal. 
So I wish you help me get my account back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Shellpoint Partners, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ref : XXXX XXXX XXXX  / Shellpoint Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX XXXX Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, 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 2021-05-05
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am unable to withdraw cryptocurrency from my account. I am getting an error risk management. I already deposited money to my account to bring it to a positive balance. There should be no issue. I am unable to get a answer from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to get the report from Experian. 

This is the error I get when I perform the steps to get the Experian report : A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

I called Experian, and got a ticket opened. Experian closed the ticket saying they fixed the issue with my social. They said there were two numbers against my account because of typo error. 

Report Number : XXXX Investigation ID : XXXX  When I attempt to get the report, I get the same message.

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 2021-05-05
Company: Experian Information Solutions Inc.
State: VA
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 have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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