BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: JPMORGAN CHASE & CO.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my existing mortgage with XXXX XXXX XXXX, XXXX. on XX/XX/XXXX,  to include the consolidation of two credit card accounts with the same bank. The estimated value of my property at the time was {$210000.00}, compared to the appraised value of the property in XX/XX/XXXX of {$180000.00}. An appraisal was ordered by Chase, and came back at {$180000.00} which I contested. The appraiser used outdated comps, and was supposedly " training '' when he visited the property. I provided the original appraisal, and current comps to my Loan Officer, XXXX XXXX, and was told the appraisal came back at {$190000.00}. The refinance process was started, and was supposed to refinance at the current rate, and consolidate the two credit cards with no cash back. 

After proceeding through the process, we closed on XX/XX/XXXX, with a mobile notary from XXXX XXXX. I was told at the closing there would be a check/checks delivered to me after processing. I was also given a Right to Cancel at the signing. I received one check on XX/XX/XXXX, made out to me for {$1600.00}, watched my accounts on line to see that the credit cards were paid. When the cards were not paid by Friday, XX/XX/XXXX, I reached out to XXXX XXXX to see when and how they would be paid. He told me that I would receive checks made out to Chase from the Title company to pay them off, and he would check to see what was happening. On Monday, XX/XX/XXXX, I was told by XXXX that the credit cards were not going to be paid off, and he would check further to see what our options were. He also referred me to his supervisor, XXXX XXXX, for possible other options. I received a call from XXXX XXXX on Tuesday, XX/XX/XXXX, that the credit cards were not going to be consolidated because the appraisal had come back at {$180000.00} instead of {$190000.00} as expected, and that my Right to Cancel had expired, and there was nothing more I could do. 

XXXX XXXX admitted to me during our phone conversations, that underwriting had changed the refinance back in XXXX, and he had missed it. He also admitted that the appraisal was only {$180000.00} vs the {$190000.00} that we were anticipating which he also missed. These were major changes in my loan application that were NOT disclosed to me before signing, and in my estimation constitute fraud on the part of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Freedom Mortgage Company
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have a mortgage with Freedom Mortgage Corporation. I contacted them about a refinance and they pulled my credit reports on 6 different occasions without offering a product or service. When I followed up with the company I got bounced around from person to person and nobody replied to my email. I am including my emails to this message. I have an excellent credit score and having 6 inquiries in such a short time is going to affect my credit. I moved my loan to another company after this as I did not sign any disclosures or give verbal approval to run my credit and the six inquiries on my credit would never have been approved if I was not trying to receive a product or service.

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 2020-12-07
Company: CL Holdings LLC
State: SC
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:
On XXXX XXXX, 2020, JEFFERSON CAPITAL SY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX is trying to collect a Membership Fee on account 's that have been confirmed as closed by both XXXX 's ( ending XXXX ) and by Experian ( ending XXXX ). This is a fraudulent practice and could impact my Credit Rating.

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 2019-06-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Would like my fraud alerts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have submitted numerous complaints involving Midland Mortgage fraudulent practice with escrow account. Midland mortgage refuse to reduce mortgage payments to reflect accurate payments. I have submitted documents called and did two complaints with CFPB with provided documents and response from mortgage company stating they have reduce my payments. Midland mortgage have held payments reflecting negatively on my credit as late when in fact they are holding payments over the amount that I owe such as {$870.00}, but I paid {$890.00}. This is trickery that complaints are done and the company can continue to make false statements. Please see the attached documents.

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 2020-12-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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 opened a XXXX  XXXX  XXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.

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 2019-05-31
Company: R & B Corporation of Virginia
State: AZ
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 am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Credit Control Corp which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. However, I reached out to this collection company to make the payment in exchange for it to be removed from my credit, which I was advised it would, yet it has only updated to a paid collection. When I reached out to find out why it was not deleted as advised, I was informed that I was told that so that a payment would be made. I would like this collection removed from my credit due to erroneous & deceitful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery # XXXX {$310.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Portfolio Recovery fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, as usual, wanted to check my credit score back in XX/XX/2018 and discovered that I had a debt with XXXX XXXX XXXX of {$730.00} and that it was never paid. I never had any accounts or solicited the credit card, so when I called the XXXX XXXX XXXX Customer Service explaining that someone opened the account under my name but with an address from NY and it was a case of identity theft. What they did was give me the address to send all the request docs as proof. 1 week later I sent all the docs via fax and mail. What they did was updating my information and started sending letters asking to collect the debt. I never received a call from their fraud department investigating the fraud. I decided to call them at the end of XX/XX/2018 and they told me that they no longer had access to the debt and that my account had been transferred to a debt collector agency - Resurgent.

Resurgent Collection Agency contacted me by XX/XX/XXXX of last year and they were very responsive about getting paid but never with the intention of giving me the necessary information to solve the problem.Two months later, after going thru the process of disputing the debt they came to the conclusion that it was a case of identity theft. They were supposed to foward all the information to XXXX XXXX XXXX. A few days later I receive a letter saying that they couldn't process any of the claim because it was no longer serviced by them and it ws in the process of being transfered.

I get back on the phone with XXXX XXXX XXXX and they can't do anything on the account because now it was now XXXX XXXX XXXX who had access to my account. I already sent the documents and they have sent more than 15 letters trying to collect the debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we had a conventional 30 year fixed mortgage and a line of credit second on our primary residence with Bank of America. We own no other commercial or residential housing. The terms of the mortgage were that in XXXX XXXX both 1st and 2nd mortgages would convert to a 15 year fixed. Knowing that combining these two mortgages to a 15 year fixed and that at the time my husband ( the primary earner ) would be XXXX XXXX years old and looking at future retirement we asked B of A, starting in XXXX XXXX, to combine the 2 mortgages into a 30 year fixed in anticipation of lower monthly payments for retirement. B of A refused. My husband lost his job with XXXX XXXX in late XXXX forcing early retirement on us. By XXXX it was clear that on a fixed income we could not pay the higher monthly mortgage ( 15 year fixed ) and our credit/ tax obligations we had to declare chapt. XXXX bankruptcy on XXXX XXXX. On XXXX XXXX we filed for a loan modification program with B of A on XXXX. It is now XXXX ( a process that B of A said would take 2 weeks ) and their loan modification plan now has a HIGHER MONTHLY PAYMENT than the original 15 year fixed plan. This nothing but pure AGE discrimination from refusing our request in XXXX to the current loan modification plan. We submitted one of the cleanest applications possible ; no alimony, no child care, no other distracting variables. They only had to convert a 15 year fixed to a thirty year fixed and none of this would have happened. Since B of A has provided us with thirty year mortgages at least twice in the past the only difference from then ( our first mortgage with B of A was in XXXX ) and now is our AGE.

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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2019, I sent a letter and information via certified mail to XXXX, XXXX, and Transunion. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, XXXX, and Transunion to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXXXXXX XXXX, XXXXXXXX XXXX, and Transunion 's method of verification and it came back verified again. 

XXXX, XXXX, and Transunion failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, XXXX, and Transunion all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.

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 2017-12-20
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I have a XXXX ( " XXXX '' ) XXXX issued by TD Bank, which has been open and on auto-pay with no issues since XX/XX/XXXX. On XX/XX/XXXX of this year, my automatic payment went through as scheduled but was returned from my bank due to a checking account error. As soon as I saw the returned payment on the XXXX XXXX online management page, I sent an additional payment to ensure that I would meet my minimum. XXXX charged me a {$27.00} fee plus interest for the auto-payment. I called XXXX support and asked for a courtesy refund of this fee. The representative initially agreed, and then after putting me on hold, said that she was only able to assist with late fees and since I had already made another payment she would not be refunding the {$27.00} fee. I transferred to a supervisor with the same request, who said this was not refundable because it was a returned payment and that I would need to speak to my bank to get it waived. I called my bank and spoke with a representative who said that they are not able to help and have no control over the fees on the XXXX, Now I 've been bounced around by the support from XXXX and I still have the additional fees and interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible CHAPTER XXXX BANRUPTCY 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 2021-06-22
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I paid XXXX XXXX {$590.00} pursuant to a statement I received from them the previous month. For whatever reason, unknown to me, XXXX turned my bill ( which was paid in full ) over to Professional Finance for further collection. When they called in XXXX, XXXX, I told them I had paid. They required a receipt. My husband IMMEDIATELY went to XXXX and obtained the receipt showing payment in full two months prior. I forwarded the receipt to Professional Finance. In spite of this proof, they reported me as a no-pay to the credit agencies. I disputed the debt and provided proof of payment to Professional Finance and all 3 credit bureaus via certified mail. That was a month ago. Today, they started calling again saying the payment to XXXX did not count. Unknown to me, XXXX refunded the money to my credit card XX/XX/XXXX. I have no idea why and they will not respond. Countless calls to both XXXX and Professional Finance. HOURS on the phone with Professional Finance and the Billing Dept at XXXX. No resolve. These clowns have obliterated my XXXX credit score while I am trying to buy a new building for my law firm. Due to this misinformation, my credit is now in the low XXXX. I am a RE attorney so this is not in my wheel house but I want to learn more about consumer protection so I can assist other victims of this outfit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fruad alerts from my credit files and name immediately.

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 2020-09-02
Company: Experian Information Solutions Inc.
State: CT
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 reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX- Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020. # 5. XXXX XXXX XXXX XXXX  -Loan Amount {$0.00}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 2019-04-05
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:
I contacted XXXX again about the account reporting. They agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have for nearly 2 years to get Transunion to update my bankruptcy records accurately in my credit file. To date my information is still incorrect. Here is proof from a creditor that I no longer have a debt with them. Please help me in demanding the credit bureau to update this information. My only open derogatory/negative account currently is for XXXX XXXX. XXXX XXXX is a very old creditor which the bureau refuses to update as discharged or delete entirely from my file. This is unlawful and I have began the litigation process.

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