BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian

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 2020-07-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$150.00} for smoking in a hotel room in XXXX New Mexico. I disputed the charge via email and pdf with barclays purusant to their guidelines and was never given a credit or any updates. They acted in bad faith and did not investigate this charge. I was not smoking in the room and the hotel has not shown any proof that I was smoking in the room. It is conejcture and hearsay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite CLEAR and OBVIOUS FCRA violations Transunion refuses to acknowledge or remove said accounts from my credit files. Due to the fact these accounts reflect inaccurate details my credit and financial health is being injured.

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 2019-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
They keep trying to collect on a debt that i've disputed, is not on my credit report, and the statute of limitations  has expired on.  The name of the company is Portfolio Recovery.  They call me two to three times a day and are spoofing their caller id to show up as phone numbers that don't belong to them.  They are using the same tactics as robocalls and ive asked them to stop but they address rude and threaten me all the time.  They are calling me using a robocall and this is my cell phone which does not get free minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

XXXX XXXX XXXX Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened a chase savings account ( acct no XXXX ). Same day, I transferred {$5000.00} from my XXXX XXXX  account. A few days later, Chase locked my online account and closed my savings account. I called Chase at XXXX on XX/XX/XXXX. They said they can't return the money over the phone and I have to go to a branch with an ID : (. I didn't want to go to a branch right now with COVID19, but today on XX/XX/XXXX, I went to the Chase Branch ( address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) but they still refused to return my {$5000.00}. I'm shocked and furious that they closed my account without any warning and are withholding {$5000.00}. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: UNITED MORTGAGE CORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
United Mortgage Corp. sent me a letter about my tax bill dated in XXXX, but I didnt receive it until the end of XXXX. I contacted the company on the XXXX of XXXX and was asked to email them my tax bill. I emailed them my tax bill and told them the XXXX payment was not paid and XXXX payment was going to be late on the XXXX of XXXX if not paid. The lady told me that since it was already delinquent that they would pay it right away. I waited for a week or so and checked my tax bill and it hadnt been paid yet so I called the company again and they escalated it this time saying it would be taken care by the XXXX of XXXX. I checked my tax bill again today and it still hasnt been paid. I contacted the company again and they said that they were going to escalated it again and follow up with it this time. They then told me that it could take up to another week for the bill to be paid because they have to over night them a check that they could not wire the money for the tax bill. I have almost XXXX dollars in my escrow account to pay my property tax bill and my homeowners insurance. My tax bill is over XXXX dollars now because of late penalties occurred due to being late. I just want them to pay my tax bill like they are supposed to. That is why I have the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint through the CFPB on XX/XX/XXXX, because Ditech Financial was mis-stating our actual escrow balance, and misappropriating extra monies paid to the escrow fund rather than to the principal of our loan, as was our intent.  We requested Ditech send us a corrected escrow analysis, show the actual amount in this fund, and to also reduce our escrow appropriation amount to $XXXX per month.  Ditech did update the analysis.  It is now showing what I believe to be a fairly accurate balance amount.  However, they are still showing that there is a shortage of $XXXX in this escrow fund, which is simply not true.  They still want us to pay more per month, based on this perceived "shortage".  Even by their own projection of fund balances, it never runs out of cash, and in fact, gets to $XXXX, which they now say is a shortage of $XXXX  They base this on what they call a "minimum escrow balance" needed of $XXXX.  I see no reason they need to have nearly $500 of our money, as a minimum escrow amount.  I could live with say.. the $XXXX that it currently shows as the minimum it will currently drop to.  Why do they need more than that?  They do not.   Also, I requested in the last complaint that the escrow amount of our mortgage payment get dropped immediately to the correct amount.  However, in the current statement (on paper and online), they are still showing that they are going to apply $XXXX for the XX/XX/XXXXmortgage payment, which will once again take away from the extra payment we are trying to pay toward the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 the process of trying to purchase a home. When I received my credit report there are several accounts which are not mine. I've gotten help to get these things removed, in addition to paying for services that have not removed the listed accounts. 

I'll provide details in my attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 To the Committee, Consumers Financial Protection Bureau, This URGENT COMPLAINT involves the REQUEST FOR CANCELLATION/STOPPAGE of a Pending Foreclosure/Auction Sale to be conducted by Select Portfolio Servicing ( SPS ) on XX/XX/2020 through their agent XXXX ( XXXX XXXX XXXX XXXX  ). 

I have spoken with 4 or 5 diferent representatives from SPS and have requested to have this AUCTION SALE be postponed/cancelled as there are so many issues that are involved and many families/parties concerned that are affected. I have even mentioned that because of our current PANDEMIC LOCKDOWN issues, I asked SPS to postpone the Trustee Sale but they ( SPS ) are precisely picking this particular time to really put pressure and take advantage of the fact that we can not even go through our Court System to file/contest this illegal/unlawful Foreclosure Process. 

We have been through our Civil Court System on this property for almost twelve years now. I have given the Courts all the evidences to prove my case and have prevailed each time to stop Foreclosure. On the contrary, SPS have hired 3 different lawfirms to represent them and have lost each time. What SPS does is WAIT a few months to a year and then proceed again with their Foreclosure Process with a different lawfirm. 

The stress, harrassment and damage SPS have done to this family is worth for your Agency to investigate and impose necessary sanction/penalty on the company that SPS, only a Debt Collector, represents for a Trustee ( XXXX XXXX XXXX XXXX XXXX, as Trustee on behalf of the Certificate Holders of XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX ), which has been terminated and does not even exist anymore. 

***SPS XXXX ACCT. # XXXX under XXXX  XXXX XXXX*TRUSTEE SALE NO.XXXX ... .scheduled for XX/XX/2020 ***Title No.XXXX XXXX ***Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We are therefore , asking your agency, the CFPB, to intervene and STOP the Trustee Sale that they have scheduled on XX/XX/2020. At least until such time that we can again duly represent ourselves under the Courts ' Due Process. 

We look forward to a Favorable Action from your Agency to what we deem is a flagrant deceiful way for a Debt Collector to run us down. 
Thank you, XXXX XXXX and XXXX XXXX XXXX for 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 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}

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 2023-01-10
Company: SYNCHRONY FINANCIAL
State: TN
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:
I checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX Synchrony Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to 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 explanation
Consumer complaint received 2018-02-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were in Court on XX/XX/2017 between me and The point at XXXX XXXX XXXX. The district Judge dismissed the case against me since it wrong. Now the collection agency ( Fair Collection and Outsourcing ) ignore the judge decision ) and reported me to all 3 major credit report agency to destroy my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2018-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the date XX/XX/2018 Chase turned off my credit card and didnt give me a reason why. They closed my account for no reason. I only had XXXX cents but they said I can never open and account with chase again. They didnt even call to let me know. They turned off my account and waited for me to see that it was turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Grant Mercantile Agency
State: CA
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:
Currently, I am making formal complaint this credit union because they close checking account in XX/XX/2020 for no reason. I was with this credit union for 2 years and never had these problems.This was despite depositing XXXX dollars into my account. I left my savings account open. In addition, they put me in collections on XX/XX/2020 for XXXX for no reason. 
They didn't sending me anything explaining why they close my account or why they put me in collection s.I would like this credit union to stop trying to ruin my credit overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: PR
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:
Not my accounts lakmte never dont reconogzing account delincuency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 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  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 explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: AES/PHEAA
State: NJ
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 my student loans consolidated on XX/XX/XXXX to FedLoans and I also entered to Public Service Loan Forgiveness Program. My recievied notice that my loans were approved as well as my employer certification forms. Only 12 payments are showing as counting towards loan forgiveness although I have made 78 qualifying payments. I was previously told that some of my payments in the past were in " paid ahead status ''. The representative confirmed that this was an error on behalf of FedLoans and that there would be a manual review so I can recieve credit for all my past payments. I have turned in my most recent employer certification form as of XX/XX/XXXX. Despite several inquires my payment count has not changed from the initial payment count prior to the review. Please help. Loan details are listed below. 



XX/XX/XXXX DIRECT SUB CONSOLIDATION LOAN Forbearance {$78000.00} Hide Details Direct Sub Consolidation Loan -  disbursed XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement DateXXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$74000.00} Unpaid Interest : {$2200.00} Principal Balance : {$78000.00} Payment Information Monthly Payment : {$110.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XXXX Due Date Information Next Due Date:XXXX Days Delinquent:XXXX XX/XX/XXXX DIRECT UNSUB CONSOLIDATION LN Forbearance {$270000.00} Hide Details Direct Unsub Consolidation Ln - disbursed XX/XX/XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement Date:XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$230000.00} Unpaid Interest : {$7500.00} Principal Balance : {$270000.00} Payment Information Monthly Payment : {$380.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XX/XX/XXXX Due Date Information Next Due Date:XX/XX/XXXX Days Delinquent:0

Company response to consumer: Closed with non-monetary relief