BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold to Carrington Mortgage Company by XXXX XXXX XXXX, which are both from XXXX. The mortgage was sold to Carrington Mortgage in XXXX and I have been trying to work with them for a loan modification. Well in XXXX, I was informed by Carrington Mortgage I was put on a temporary modification which my payments switched from XXXX to XXXX. I immediately informed Carrington on why the increase in which they had no explanation or they did not provide one. So, I attempted to make the payments which were on time until a flood occurred in my home. Once again I immediately contacted our service provider as well as kept them inform of everything going. Soon after that my husband took ill and had to have a transplant while we were located temporarily in a hotel. The transplant took place on XXXX of XXXX with us still trying to pay the mortgage along with the deductible. I then informed Carrington Mortgage I was having problem making the payments and could I go for a permanent loan modification. I have been dealing with them losing my paperwork after paperwork and being told one thing after another. I want help in keeping our home it being our first resident and really don't want to loose it because of miscommunication. Because I feel I have done everything they require and they come up with excuses. Today I was told my paperwork needed to be updated once again after mailing them a package on XX/XX/XXXX. Which they once again stated they did not have and I also have proof of every fax I have sen to them for paperwork requested by them. The customer service reps are rude and really are not knowledgeable. They went as far as to supply false information to get my family hopes to be told the program had not been in affect since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the 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 2017-08-09
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 have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
I've never had cc with Chase there on my XX/XX/XXXXit seems like Chase and XX/XX/XXXX are in couhotes together also on myXX/XX/XXXXXXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Experian Information Solutions Inc.
State: WI
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:
I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the 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 2019-11-09
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX county court and my court date is XX/XX/2020.

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 2018-03-30
Company: Credit Plus Inc
State: LA
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 have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. 

Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit {$350.00} into CitiBank ATM machine on XX/XX/2019 at XXXX. The cash jam, the ATM issue a receipt said " I am sorry, because of technical problem, I can not return your cash right now ''. Contact citibank on XX/XX/2019, a temporary {$350.00} credit was issued. Received letter from Citibank on XX/XX/2019 said case closed due to insufficient evidence. Yet the only evidence I could provide is the receipt from ATM. At least it proved at least 1 bill was deposit and get struck.

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 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a {$4600.00} dollar check from the XXXX XXXX. On XX/XX/2021 I deposited that check. when I went to go get cash out I found put that bank of America placed a 10 day hold on it. At first they told me that the check was no good. After calling the XXXX  XXXX XXXX office I found out that they had released the funds to bank of America and they were lieing about the deposit. O told them that my rent is going to be late if they hold my check for 10 days. Then bank of America got sarcastic and said that it was for my own good. The check was never bad because I called back bank of America and told them that the funds were with bank of America and they could care less. they are holding this check for their own good not mine. I'm going to be late on my rent and bank of America could care less all they want is fees. Can someone PLEASE HELP

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 2018-04-02
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX XXXX XXXX This company ran a criminal background check on for employer XXXX XXXX : XXXX ( FL ) XXXX ( BILLCODE : XXXX ). However, there are some incorrect information was on background. The report also contain information on XXXX XXXX, which is not me and is not connect with me in anyway. The review following information below that is incorrect : Report requested on : XX/XX/2018 Report completed on : XX/XX/2018 Case Comments : Limitations on the DOJ 50 State XXXX XXXX search. 1.  NEVADA : This search does not provide results from the State of Nevada, as by both statute and regulation, information from the Nevada XXXX XXXX Registry web site can not be used for employment purposes and can not be distributed commercially. 
2. OREGON : This search has special conditions from the state of Oregon. Information is only provided for XXXX XXXX who have been designated as XXXX, as provided in ORS 181.585, who have been determined to present the highest risk of reoffending and to require the widest range of notification or are found to be a XXXX XXXX XXXX offender under ORS 144.635. 
*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL STATE LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete Complete County Criminal Record XXXX, XXXX XXXX, FL-XXXX Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 Office of Foreign Assets Control XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Clear Office of Foreign Assets Control XXXX, XXXX XXXX Complete Clear DOJ XXXX XXXX Search XXXX, XXXX XXXX   Complete Level1 DOJ XXXX XXXX Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Level1 Enhanced Nationwide Criminal Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Complete Enhanced Nationwide Criminal Search XXXX, XXXX XXXX Complete Cl

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying without any success to update my personal information such as my address information and Transunion has failed to maintain accurate and true information regarding my personal information. I have attached the original certified letter mailed and delivered on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. I have spent money and time trying to correct this and I hope they will listen to CFPB. I would like them to correct this and update the information once and for all. 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 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
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: Account information incorrect

Complaint:
I was a victim of identity theft in that I did not receive any benefit, money, goods or services as a result of the events described in this report. I responded to a XXXX ad for temporary work and the employer sent me a payroll check with a letter of instructions. On XX/XX/2017 I deposited the check {$1300.00} in my account. With the help of an employee at the bank {$100.00} of the funds were available immediately. XXXX held the check for XXXX days prior to releasing the funds. XXXX performed the necessary security measures and confirmed the funds were available for withdrawal. On XX/XX/2017 I did what the letter from the scam employer and made a withdraw and sent {$600.00} to another coworker via XXXX XXXX. On XX/XX/2017 the bank recalled the check, closed the account and left it overdrawn {$630.00}. Reported the events to the local Police Department, and the FBI IC3, XXXX, FTC, XXXX, XXXX XXXX and have had no progress and no assistance. The bank XXXX, is reporting inaccurate information to TransUnion. They report the type of account is a Credit Card and my monthly payments are {$630.00} and delinquent. 
This is not true. The account is a checking account, not a credit card. I understand there is NO safeguard for victims of an Employment Scam, check fraud. Why isn't the check writer and his bank responsible for the debt?

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 2018-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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 have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : 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 2019-03-14
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
post office overcharged for package. charged XXXX when should have been XXXX. 

Although TD initially did check- they refuse to make correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NV
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:
I have a legal document from XXXX correcting my credit and I have never been late on my account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION, XXXX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON 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 explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A merchant owed me a lot of credit which was promised would be credited back. the merchant was supposedly a victim to a load of counterfeit goods which he claimed placed him in financial stress and he was unable to pay back fast enough his customers and creditors. ultimately, back in XX/XX/XXXX & XX/XX/2019 Capital One received all these credits back to my account. my account currently has $ XXXX in a credit balance. I had requested a refund for my credit balance to be mailed back to me, they told me it would take 7-10 days, but its been 2 weeks and they have not refunded me. when i called to follow up, they are telling me now it could take 90 days. I believe this is totally improper and base don what I've read, the bank is legally obligated to refund me within 7 days.

Company response to consumer: Closed with explanation