BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: VA
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:
After reviewing my credit report, I noticed a collection that I previously told XXXX XXXX account number XXXX and Experian was not and is not mines. They then without any other action reported this debt as being mines. A complete violation of both federal and local laws. Before I file a small claims suit against these companies for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent. I have also previously sent both my identity theft documents and affidavit to them.

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 2020-10-20
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was under impression that XXXX loan would be repaid at XXXX and now it says payoff today XXXX and apr of 430 % how is this legal and dont give you the lender or third party of who loaned the amount

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 2019-02-26
Company: WELLS FARGO & COMPANY
State: AZ
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:
I spoke with representative XXXX at Wells Fargo on XX/XX/19. Explained I was out of town and when I got back noticed that the banker who I spoke with closed my personal account with out my okay where my auto debits to pay my credit cards were coming out of including this one. She stated she would take the payment and dispute the incorrect error on wells Fargo part because they had been hanging on to my mail as well. I paid the XXXX with no problem as I knew it was owed and paid late fees but they agreed to fix the pass due on 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 monetary relief
Consumer complaint received 2021-02-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received the below offer in XX/XX/XXXX Double Bonus Opportunity Earn up to 60,000 miles! 
XXXX, you've been selected to receive this special cardmember offer. 
No need to enroll! 
Just use your Barclaycard Arrival Mastercard. 
Use your Barclaycard Arrival Mastercard for purchases from XX/XX/XXXX to XX/XX/XXXX and earn up to 60,000 miles.1 2 1 Earn an additional 10 miles for every {$1.00} spent on purchases made from XX/XX/XXXX to XX/XX/XXXX, up to 10,000 miles. 
The miles you earn with this offer are in addition to the miles you already earn with your Barclaycard Arrival Mastercard.

2 Plus, earn 50,000 miles when you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 

I have met this offer but never received 60000 reward points into my account. I have passed three statements after I met the offer. I have contacted barclays many times regarding this. I was told on XX/XX/XXXX, that I will receive the 60000 reward points for this offer on XX/XX/XXXX statement but I have not received it. Barclays has been continuously cheating me for months.

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: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
{$700.00} was taken from me in around XXXX of last year, and most recently I receieved this email. However they have frozen my funds and will not release them ... 

from : XXXX reply-to : XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX  subject : Important Information About Your Account << Reference ID : xxxxxxxxxxxxx >> mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more XX/XX/XXXX Important Information About Your Account Re : Your accounts ending in XXXX & XXXX XXXX, Weve decided to close your account ending in XXXX & XXXX because we observed activity that is inconsistent with our terms and conditions. [ *I called and spoke with their agent who said there was no reason listed as to why, which is atypical* ] When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XXXX XXXX, 7 days a week. 
[ I called them and they only agreed to release a certain amount when I threatened to file a FTC report. They are still holding my funds as of this filing ] Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One, XXXX, Member FDIC. XXXX Capital One. '' so the approximate total they have stolen from me is : {$850.00} usd

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a complaint regarding a collection account appearing on my credit report from Rent Recovery Solutions, LLC with original creditor XXXX XXXX in the amount of {$9200.00} that does not belong to me. I have reached out to the collection agency that is reporting the account to the credit bureau requesting that they validate the debt. 
I have also disputed this directly through XXXX  credit bureau with no results. 
After requesting validation of the debt Rent Recovery Solutions, LLC sent out a copy of a rental lease on XX/XX/XXXX. However, the documentations do not include my full name, it has an unknown address and a ( non-wet ) electronic signature. 
I explained to the collector that they have the wrong person because I did not rent a property in XXXX, I have been a homeowner since XXXX. I also stated that I am not familiar with the property address that they provided. I requested for Rent Recovery Solutions, LLC compare my social security number with the social security number they have on file for the debt and they refused. I offered to send a copy of my social security card to validate my identity. I was told the only way to dispute the account is by filing a police report claiming identity theft. 
I believe by reporting this to the police as identity theft I would be committing perjury. I have no reason to believe that my identity was stolen. 
Rent Recovery Solutions, LLC failed to validate that this debt in fact belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Uplift, Inc
State: NV
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:
On XX/XX/2021 a company called 'Uplift Inc ' placed a hard inquiry on my report. 
I am in the underwriting stage of purchasing a home, therefore, I can not have any inquiries on my report. The points drop has put my mortgage process at risk of being denied do to whomever this company is that made the inquiry. I contacted them and they told me they do not have to remove the inquiry. They were very rude to me and not willing to help me so I called XXXX and XXXX  told me to contact you. 
This Inquiry by 'Uplift Inc ' is fraudulent activity on my report and I request help in the process to get it removed. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Flagstar bank from XXXX XXXX  in XX/XX/XXXX. My first payment to Flagstar Bank was XX/XX/XXXX. My original loan was a conventional loan with no PMI. But when Flagstar took over, they added PMI to my payment/loan of {$75.00} a month. 

Without realizing this, I ended up paying them a total of {$750.00} from XX/XX/XXXX - XX/XX/XXXX. 

I sent a letter regarding this problem to Flagstar, and they terminated the PMI from my loan as of XX/XX/XXXX. But never reimbursed me for the amount that was paid prior to the termination. 

I called on XX/XX/XXXX and spoke with XXXX from the PMI department, and he was supposed to forward the information to his supervisor and get back to me. I have heard nothing. 

I sent a letter on XX/XX/XXXX again, and have heard nothing. 

Flagstar Mortgage added PMI to my loan without my knowledge, or signature. 

Please help! 

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 2020-09-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I submitted a vehicle loan application and I was approved for {$23000.00} with a 5 % interest rate. I received a call from a representative on behalf of Navy Federal Credit Union requesting a resident card/document. I sent an email with requested documentation on XX/XX/XXXX XXXX XXXX  and XXXX XXXX. 
I was denied, Navy Federal Credit Union could not verify credit accounts. On XX/XX/XXXX I was approved for a XXXX XXXX  XXXX the credit account is under my name along with my credit information with Navy Federal Credit Union. The same required documentation was provided with no issues or request of additional information. 
On XX/XX/XXXX I called Navy Federal Credit Union for clarification as to why I was denied. The representative I spoke to said they asked for my Social Security card but couldn't use it. Therefore, they would need a permanent resident card, or employment authorization card, and/or a bill. When I ask if I provide a bill will it suffice, the representative said no they will still ask for a permanent resident card because my Social Security card said for work authorization only. Now, when I ask why I was given a vehicle loan in XXXX providing the same documentation I emailed on XX/XX/XXXX with no issue and not required any additional documentation the representative could not validate why. I felt hurt and confused, I'm being told they can't use my social security number, but the letter in the mail states they could not verify my credit accounts. Yet, I have a line of credit with Navy Federal Credit Union. I don't understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CL Holdings LLC
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
ON XX/XX/2019 I PURCHASED A XXXX XXXX FROM XXXX DEALERSHIP AND WAS FINANCED BY CHASE, THE DEALERSHIP FAILED TO PAY SALES TAX AND ADDED A GAP AND SERVICE COTRACT ON TOP OF THAT. CHASE LOAN NO.XXXX. SEE AD FROM THEM WE PAY SALES TAXES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: NJ
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:
Regarding XXXX Closed account - Company has not provided accurate information on my credit report. I have reach out multiple times. The company has not investigated and has only updated and changed dates. last activity date is inaccurate, closed date is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: LEXISNEXIS
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 received my credit report from XXXX yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : Lexis Nexis Consumer Center XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Financial Credit Service, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called and they immediately asked for me and gave out last 4 ssn #. Before even verifying who was calling in. I never identified myself, i advised she just released personal information with out verifying who was even on the phone. She said that she is not breaking any laws giving out the last 4 ssn, ) now i called into the company, from a previous call that i had been hung up on when I refused to id self and asked what company he is from, he said wrong # and hung up. ) When i told her it is not okay to give last 4 of anyones ssn and name before even knowing who is on the phone. I asked for a manager, she refused, multiple times, kept cutting me off, finally put me on hold, came back said manager was busy, she could give me his voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SERVICEMAC, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a house in XXXX XXXX Hawaii in XXXX, XXXX. The mortgage broker, XXXX, placed the loan with XXXX but agreed to handle the escrow accounts. Over the first year, XXXX paid my hazard insurance and property taxes and added a monthly amount to my mortgage payment so that the policy and property taxes could be paid out of escrow the next time they came due. 

In XXXX, XXXX, Servicemac LLC purchased my loan. XXXX and I took immediate steps to have the escrow accounts transferred to Servicemac. I spoke with XXXX staff weekly. I sent emails to Servicemac weekly in XXXX, XXXX, and XXXX. 

Servicemac sent me warnings every week that I had to produce proof of hazard insurance. Obviously, since Servicemac had the funds I placed in escrow for the purchase of hazard insurance, it was not my obligation to purchase hazard insurance. On at least 6 occasions, I told Servicemac this and gave them the name of my hazard insurer and a copy of the policy that had been in force during XXXX. 

On XX/XX/XXXX, I received a " Notice of Lender Placed Hazard Insurance '' from Servicemac. The premium is more than twice what was due XXXX XXXX. I have sent more letters to Servicemac, but at this point, it is clear to me that Servicemac simply refuses to acknowledge its legal duties. I am willing to guess that it does this with a substantial number of the loans it purchases, insisting on the benefits of the contract but denying the obligations.

I want CFPB to fine and otherwise punish Servicemac, up to and including revocation of its license to participate in federal mortgage lending activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

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 2020-11-18
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Information belongs to someone else

Complaint:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2021-04-28
Company: CMG MORTGAGE, INC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
CMG Financial makes repeated false claims about the ability to change the due dates in order to bring our account current. The most recent event, on XX/XX/2021 at XXXX EST, we spoke with CMG financial regarding a past due payment of {$1100.00} and late fee of {$41.00} we incurred for being past due on XX/XX/2021. The male agent we spoke with explicitly told us CMG Financial would move our due date up to the XXXX of every month in order to line up with our pay cycles only after we paid the late fee and brought current the past due balance for {$1200.00}. We honored our side of this arrangement and paid the {$1200.00} to bring the account current so they could execute the due date change. This billing cycle we were hit with a late fee again as a result of our due date never actually being changed despite bringing our account current. We reached back out to CMG Financial on XX/XX/XXXX at XXXX EST and were told by a different agent that no such change was made and that such a request, changing our due date, is not even possible even though the agent we spoke with on XX/XX/2021 at XXXX EST not only told us it was was possible but explicitly recommended it as a solution to our pay cycle due date alignment issue. Ultimately this has resulted in late fees being incurred on our account as a result of CMG Financial deceitfully promising a due date change that never occurred.

Company response to consumer: Closed with explanation