BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: ERC
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:
I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried several times to get GAP credit card to stop reporting my closed account. It is closed on my XXXX credit report as of XX/XX/XXXX. It is an expired credit account. The second time now that I disputed it they are now adding 6 more years and it will not come off until XXXX. I never paid this account late and closed this on my own. Also, the high balance is higher than what they said my limit was which is not true. I need this off all my credit reports but people at GAP keeping it on there. WHY???

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 2021-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I lodged a complaint with the CFPB about a missing money order deposit with Bank of America on XX/XX/2021. The complaint ID is XXXX. I have been working with XXXX XXXX, a Resolution Specialist with the Regulatory Complaints Department at Bank of America. She is still working on my case. 

On XX/XX/XXXX, I tried to make a deposit into my Bank of America checking, but it didnt work. I called their customer service, and they informed me that my account was marked for closure on XX/XX/XXXX. As of today, XX/XX/XXXX, the account is closed and no longer shows in my online login. I still have two credit cards with Bank of America. The reason they gave me on the phone was simply that they didnt want to do business with me anymore. I have not received any notice from Bank of America of this decision either, they outright closed my account with no notice. 

I can only assume this is retaliation for my CFPB complaint, a complaint that remains unresolved as of today XX/XX/XXXX. 

I sent XXXX XXXX  an e-mail and left her a voicemail on XX/XX/XXXX, but I thought this required an additional CFPB complaint because I dont think this is legal. 

I am submitting another request to the CFPB to find out if this is even legal to do this, to close my account in clear retaliation for a CFPB complaint where Bank of America itself made a mistake and has not rectified it yet, and still owes me money.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the XXXX XXXX XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..

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 2021-09-09
Company: MEI AUTO FINANCE 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: Information belongs to someone else

Complaint:
There are multiile car loans on my account that are closed and show that i rented a car but i didnt it dosent belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX -- XXXX XXXX -- XXXX. 
XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Resurgent Capital Services L.P.
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX. Only authorized XXXX XXXX   XXXX  XXXX, TX

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 2021-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified on XX/XX/XXXX, by the XXXX County Tax Office that Chase Mortgage failed to pay XXXX property taxes in the amount of {$14000.00} from my mortgage escrow account. The error resulted in a penalty of {$1000.00}. 

I paid the property taxes and penalties due on XX/XX/XXXX, in order to avoid additional penalties that would have been imposed on XX/XX/XXXX. 

On XX/XX/XXXX, I filed an Error Resolution Notice under 12 C.F.R. 1024.35, requesting correction of the error described and attached a record of the payment. Chase did not send written confirmation of receipt within 5 days as required by federal law, but confirmed receipt by phone when I later contacted them. 

I was informed that Chase closed the claim without refunding the penalties due to their error based on the fact that the property owner information was confidential in the property records due to my service in the XXXX XXXX. Yet, this has been the case since XXXX, and Chase has made three tax disbursements since that time. Chase refuses to compensate me for losses incurred due to its error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: PLANET HOME LENDING, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is currently serviced by Planet Home Lending ( PHL ). I have submitted numerous qualified written requests for specific accounting information. PHL has distorted the accounting and escrow accounts in order to force me into foreclosure. PHL has ignored my QWR requests. I have also submitted numerous requests for a loan modification. PHL has ignored the loan modification requests. PHL has not assigned the loan modification to direct single point of contact as well. These actions are a direct violations of CFPB law, so I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
At the end of our lease new car lease financed with Hyundai Finance we decided to purchase the car. I called for payoff amount and instructions and I was given inconsistent amounts and was told I would need to have the dealer inspect the car even though we were buying it ourselves. Once I confirmed that no inspection was needed and obtained the correct payoff amount I paid the full payoff amount prior to XX/XX/20. The following month I received a call from the company requesting a payment for XXXX. I told them I was expecting the title because I paid off the loan. They put me on hold and confirmed that the payoff had been received. I wanted assurance that my credit rating wouldnt be affected and they said I would need to call the payoff department because if it was affected it was their error. When the title didnt arrive after two months my husband called and was told they sent the title to a wrong address in early XXXX. Since the address they allegedly used doesnt exist and it is different from the address theyd used for our lease bill for three years they should have recognized the error long before we called but they were unapologetic. They promised wed receive the title in 14 days. We received nothing after three weeks and he called back and was told we would receive the title in 10 days. That time has come and gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Please review Summary of Facts exhibits A, B, C and D and new discovery on the XXXX XXXX Property Appraiser and Government agencies report. Sorry I written on the exhibits just to explain documents if you want exhibits without the writing of explanation I can send copies of exhibits without the writing on 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 2018-04-09
Company: Mar Joe Enterprises
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt collection company who identifies themselves as XXXX has been making several illegal robocalls to my cellphone and hasn't even sent me a validation letter. I've had no written. I have no idea what they are accusing me of owing them. I'm not aware of any possible debt that would be in collections. All I know is they have been sending robocalls to my cellphone without my permission. This began in XXXX and the last automated message was sent onXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: World Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened this checking account with a promotion which states that if i do a direct deposit for XXXX  months - I am eligible for {$200.00} cash back bonus. But when i chatted with customer service it seems that it is not the case. 
Direct deposit has been done in XXXX, XXXX and XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EOS Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was XXXX turning XXXX at the time this account was opened by my mother without my consent. Verbally or written. I had no knowledge of this account being open. As i was a minor just turning XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX  XXXX, XXXX  and Experian  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by 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 2020-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/20 : CALLED CHASE TO REPORT 2 UNAUTHORIZED CHARGES TRANSACTION # 1 : XXXX {$270.00} TRANSACTION # 2 : XXXX XXXX APPROX {$190.00} XX/XX/20 : CREDIT FOR BOTH TRANSACTIONS WAS POSTED BACK TO MY ACCOUNT XX/XX/20 : THE CREDIT FOR THE XXXX TRANSACTION OF {$270.00} WAS WITHDRAWN FROM MY ACCOUNT AGAIN. I CALLED TO FOLLOW UP. SPENT ABOUT 4 HOURS TRYING TO REACH SOMEONE. WAS CONSTANTLY TRANSFERRED & LEFT ON HOLD FOR 30-60 MIN AT A TIME. WAS HUNG UP ON. UNTIL I FINALLY REACHED A SUPERVISOR WHO LET ME KNOW THAT THE CLAIM WAS DENIED BC I HAVE PREVIOUS PURCHASES FROM XXXX & THEREFORE IT WAS DECIDED I HAD TO HAVE MADE THAT PURCHASE. 
THE SUPERVISOR AGREED THAT ME HAVING PURCHASED FROM XXXX BEFORE WAS NOT PROOF THAT THIS SPECIFIC TRANSACTION WAS MADE BY ME & SHE APOLOGIZED BUT TOLD ME THEY CAN NOT REOPEN THE CLAIM W/O DOCUMENTATION STATING THAT I DID NOT MAKE THE PURCHASE. I ASKED HOW AM I SUPPOSED TO PROVIDE DOCUMENTATION ... IF I NEVER MADE THE PURCHASE THAT MEANS I WOULD NOT RECEIVE ANYTHING. 
NONETHELESS, I FAXED THEM A SCREENSHOT OF MY ORDER HISTORY FROM MY XXXX ACCOUNT. 
XX/XX/20 : I CALLED TO FOLLOW UP AS TO WHETHER OR NOT THE FAX WAS RECEIVED & IF IT WAS ENOUGH TO REOPEN THE CLAIM. THE PERSON ON THE PHONE WAS UNABLE TO CONFIRM WHETHER OR NOT IT WAS RECEIVED. SHE WAS UNABLE TO CONNECT ME WITH SOMEONE THAT CAN CONFIRM & THEY DID NOT WANT TO PROVIDE ME W/ AN EMAIL WHERE I CAN SEND THE SCREENSHOT TO. 
THE HANDLING OF THIS CLAIM WAS WRONG TO BEGIN WITH, YOU CAN NOT PRESUME THAT BECAUSE I HAVE SHOPPED AT A LOCATION BEFORE THAT I AUTOMATICALLY AM RESPONSIBLE FOR THE FRAUDULENT ACTIVITY ON MY ACCOUNT. 
AFTER THAT BEING NOTED, IT SHOULD BE MORE THAN ENOUGH TO HAVE THEM REOPEN THE CLAIM & REVIEW THE TRANSACTION A LITTLE MORE. 
I WORK VERY HARD TO MAKE ENDS MEET & THIS IS A SIGNIFICANT AMOUNT FOR ME, WHEREAS CHASE HAS INSURANCE IN PLACE FOR THIS. & I AM SUPPOSE TO TRUST BANKS TO TAKE CARE OF THE FUNDS I AM DEPOSITING AND I AM SUPPOSE TO COUNT ON THE CUSTOMER SERVICE DEPARTMENT AS BUT THEY ARE DISMISSING ME AND MAKING ME WORK AND INVEST TIME ALL OVER AGAIN FOR MONEY I HAVE ALREADY EARNED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back inXX/XX/XXXXI did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report inXX/XX/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 2018-04-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back inXX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports onXX/XX/XXXXbut not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: MD
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:
XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, fraudulently access my credit file twice. I didn't give no one permission and therefore someone needs to be held accountable. My request is to have the one dated XX/XX/XXXX removed off of my credit report, if not both of them removed. 

The XXXX XXXX XXXX is the firm ... Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
inquiry were put into my credit report showing a derogatory account throughout XXXX even though my account was closed and satisfied on XX/XX/XXXX Bank name is Synchrony

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 2021-04-01
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FFCC-CLVLAND ( Original Creditor : XXXX XXXX XXXX ) date opened ; XX/XX/2017 {$480.00}. 
I personally does not recognize this service. I've tried multiple times reaching out to XXXX XXXX XXXX to obtain more information, nobody could help me understand how this charge/service was obtained. This has really been preventing me from moving forward with my life ; i can't get any kind of loan or not even an apartment. This is a violation of The Fair Credit Act. This collection is inaccurate, wrong, misinform, unrecognized information this is on my credit report, which is preventing me from moving forward. its bad enough that COVID 19 has taken away my job, i don't need anything else to stress me out. I hope that CFPB can resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kroger-US Bank has been sent letters following my husband 's death on XX/XX/2020 asking them to close the account. On the XXXX statement, I contacted the two entities on the statement, XXXX XXXX ( XXXX XXXX XXXX XXXX for {$7.00} and White pages for {$5.00} ) and asked them to cancel services and paid the statement to US Bank but contacted US bank by letter and asked them to close the account. Yet I received another statement from US Bank at the end of XXXX and again in XXXX with the same recurring charge for XXXX XXXX XXXX XXXX, which had they closed the account as requested could not have posted and resulted in yet another charge on the Kroger-US Bank account. I sent letters in fact aon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also responded to their letters telling me in essence that I had no authority to dispute any charges and though they received a certified copy of his death certificate and a copy of the will registered as a legal document here in XXXX Texas, they continue to this day to send letters addressed to my dead husband requesting that he call them to discuss. I have spoken to representatives in several areas at US Bank and have received no resolution. I would like for them to close the account and stop permitting XXXX XXXX submit charges for XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX but have received nothing more than a phone message directing me to their website and to date they have not responded to the message I have left on their website.

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 2019-02-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been repeatedly called multiple times on a daily basis. They have threatened to sue me and put me in jail if I did not pay. They have also repeatedly called my relatives threatening to sue them and put them in jail if they don't pay for me. They have also threatened to go to my husband 's place of employment.

Company response to consumer: Closed with explanation