BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I APPLIED FOR HARDSHIP ASSISTANCE AND TRIED TO MAKE MY PAYMENT SEVERAL TIMES, MY PAYMENT WAS DUE IN XX/XX/2018 I MADE MY MORTGAGE PAYMENT AFTER STRUGGLES OF TRYING TO MAKE IT WITH SPS. AFTER I FINALLY GOT A HOLD OF SOMEONE ON XX/XX/18 WITH SOME HELP THEY INFORMED ME TO WIRE FUNDS TO THEM WHICH I DID AND I GOT MY CONFIRMATION. I WAS THEN TOLD THAT I WAS STILL DELINQUENT AND THAT I TELL MAKE MY FULL PAYMENT, THEY REPEATED BACK TO THE AMOUNT I MADE WHICH WAS {$900.00} AND THAT IS WHAT THE APPROVAL SAYS. HOWEVER THEY ARE STATING THAT THEY CANCELLED IT OUT DUE TO NON-PAYMENT. I AM SO FRUSTRATED WITH FIGHTING WITH SPS TO GET APPROVED NOW I AM APPROVED AND THE LENDER IS NOW FIGHTING ME ON TAKE THE FUNDS FOR MY APPROVAL. 

FHA GUIDELINES ARE VERY EASY TO FOLLOW EVEN IF IT IS 1009 PAGES, IT IS APPARENT THAT IT IS NOT SPS POLICY TO BE KNOWLEDGEABLE WITH THE GUIDELINES FOR THE INVESTOR AND THE LOANS THEY SERVICE. FOR THE MANAGERS AND THE EMPLOYEES IN THE LOSS MITIGATION DEPARTMENT I HAVE WENT THROUGH FHA GUIDELINES AND HAVE POSITED BELOW SO YOU CAN SEE THE GRACE PERIOD FOR ALL TRIAL MODIFICATIONS IS THE FULL MONTH IT IS DUE, NOT ONLY ARE THEY NOT FOLLOWING FEDERAL REGULATIONS ON MY FHA LOAN WITH THE PAYMENT. I WAS ALSO SUPPOSE TO SIGN AN AGREEMENT WHICH WAS NOT SENT TO ME, I ONLY RECEIVED A ONE PAGE APPROVAL.

FHA GUIDELINES : ( b ) Trial Payment Plan Failure The Borrower has failed the TPP when one of the following occurs : the Borrower does not return the executed TPP Agreement within the month the first trial payment is due ; the Borrower vacates or abandons the Property ; or the Borrower does not make a scheduled TPP payment by the last Day of the month it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: JPMORGAN CHASE & CO.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Chase on XXXX.i informed Chase that I am disputing their claim.moreover I requested that Chase supply me with copy of the contract with my authentic signature.Chase never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Chase failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into the Branch of Webster Bank on XX/XX/19. I deposited XXXX {$20.00} 's. One was not verified. It came out. Then I put it back in. It then registered. Before I could hit the complete deposit. The screen went blank and my card and portion of the {$20.00} 's put in were kicked back. I counted the money and realized XXXX {$20.00} 's were missing. There was a glitch in the ATM. A letter is being sent. Declining the return of the funds not given. Webster claims the ATM with the Glitch was accurate. I am not chasing money I am not entitled to and don't appreciate Webster 's handling of their ATM in the middle of a deposit. I'd rather my money gone into my account and this be the end of the matter. No I am chasing funds because of an ATM glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, I contacted Freedom Mortgage in regards to a refinance offer I received via email. The loan officer on the phone took some information from me to start an application. I never got his name and did not hear from him for over a week. 

On XX/XX/2021 I called Freedom Mortgage again and received XXXX XXXX on the line. He said he could help me and proceed with the application. I believe he took ownership of my loan application at that time because I received a letter in the mail stating that I had withdrawn my loan application. I explained to XXXX XXXX that I did not want to proceed with the application if I could not use cryptocurrency as proof of funds should the underwriter require them. XXXX XXXX said it would be no problem and it " should be fine. '' Since XXXX I have not been able to get XXXX XXXX on the phone to discuss my loan application. Communication has been one sided where XXXX XXXX emails me generated emails to sign loan documents with no phone call or follow up on what he is sending or why. 

After several attempts of calling and emailing him I started calling the XXXX number for Freedom Mortgage. Still ... I could never get in touch with XXXX XXXX only random people who work the customer service line. 

Today, XX/XX/2021 I received a call from a woman named XXXX from underwriting stating that they can not accept cryptocurrency at all as a proof of reserves. That I would need to liquidate those funds into my bank account and provide a bank statement as proof of funds. I stated to XXXX that I had told XXXX XXXX from the very beginning that I did not want to proceed with the application if my cryptocurrency would not be acceptable as I did not want to ding my credit and waste time in the application process. 

It has taken near XXXX XXXX XXXX months to get a response from an underwriter who told me cryptocurrency isn't accepted AT ALL by Freedom Mortgage. As a loan officer, XXXX XXXX should be fully aware of this before binding clients into applications process that harm their credit long term. This is completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account that i've been disputing with the credit bureaus and the debt collector for several months. XXXX and XXXX removed the account from my credit file awhile back but XXXX has refused to show me valid proof that this is my collection. The Collection agency has not provided me with anything also but they keep reporting this account on my credit file. It shows it was opened on XX/XX/2012

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 2021-09-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: MI
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:
Our car was financed through Chase Bank. The final payment of {$360.00} was due on XX/XX/2020. On XX/XX/XXXX, Chase Bank withdrew {$360.00} from our credit union account instead. Additionally, after the final payment was debited, Chase Bank withdrew another {$360.00} from our credit union account on XX/XX/XXXX. This has left my husband and me with insufficient funds in our checking account to pay for other bills including our mortgage payment. 

In an attempt to rectify this, my husband contacted Chase Bank at ( XXXX ) XXXX on XX/XX/XXXX and again on XX/XX/2020. Both customer service representatives acknowledged the error was Chase 's and indicated the overpayments would be reimbursed in the form of a check, rather than a direct credit to our checking account. Additionally, neither would convey the time frame for reimbursement or acknowledge the urgency of reimbursing us. One of the representatives indicated that Chase would reimburse us for any credit union fees incurred, however would not say when such reimbursement could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TD BANK US HOLDING COMPANY
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For 3 years td bank have me with late payments that wasnt my fourth I like to deputy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access my Experian account. One day when attempting to log in I was prompted that my username and/or password was incorrect.

I selected the forgot username option and was Sent my username to the email address that I used to create the account. I then attempted to reset my password with the username sent from experian and it is saying that the username is not attached to any account, yet it is the username I only know and that they emailed me.

I sent an email no response, I called and only automated answers that can not help My situation.

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 2021-01-21
Company: CORELOGIC INC
State: NC
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:
CoreLogic Credco, LLC has been doing a hard inquiry on my credit report twice a month for the last six months. I did not authorize or request credit. I have requested that they stop pulling my credit but it continues to happen. My credit score dropped 50 points yesterday after two hard inquiries from this company.

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 2020-11-16
Company: U.S. BANCORP
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX restaurant in XXXX, NJ changed the amount of my purchase to double excluding a {$12.00} tip after I left. I had a 25 % off any purchase coupon with no expiration date on XX/XX/2020. The bill was {$60.00} and I added {$12.00} tip based on the full amount prior to the coupon. The adjusted amount should have been {$45.00} plus {$12.00} tip = {$57.00} ; however, I was charged {$130.00}. Elan Financial Services of XXXX, MN was advised of a dispute and immediately closed my account and sent me a new card with a new account number. XXXX manages the card for XXXX XXXX XXXX XXXX, MA. After 6 weeks in which I was not contacted once, the fraudulent charge of {$130.00} was reapplied to my account. XXXX has terrible reviews on XXXX and other places on the internet. They have allowed fraud and not proven that they are competent to manage consumer credit. I authorize {$57.00} to be charged.

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 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with capital one/Walmart on XXXX.i informed capital one/Walmart that I am disputing their claim.moreover I requested that capital one/Walmart supply me with copy of the contract with my authentic signature.capital one/Walmart never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one/Walmart failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: Innovis
State: CA
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: Received unwanted marketing or advertising

Complaint:
Today, XX/XX//2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website. 

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting two ( 2 ) addresses which do not belong to me. I am very concerned that my identity has been stolen and the thief placed addresses that do not belong to me. The addresses being reported are " XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX '' and " XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at these addresses.

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 2018-03-29
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2015 XXXX XXXX XXXXXXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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:
A public record from the US Bankruptcy Court is being reported against my credit bureau and it is not mine. It belongs to my ex wife XXXX 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 non-monetary relief
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XXXX XX/XX/2021, I contacted Equifax in hopes of finding out why all of the accounts on my credit profile had been removed. I verified my identity on 3 separate occasions in the last 6 to 8 months and Equifaxs system glitched and removed all of my accounts obtained with my old mailing address and is now only reporting the four recently obtained accounts under my new mailing address. The irony of this is that I purchased a new home recently and that account isnt on my credit report and the home purchase is the address or my new mailing address. The representative told me that I would need to mail or fax in my drivers license, social security card, and a brief statement that I am who I am and what my previous address was and what my new address is. I have been through this for years with Equifax and every time I ask to speak to a supervisor and/or manager, they hang the phone up on me or disconnect the call. Their practice has been unethical and unfair to me as the consumer. I have worked extremely hard to get my creator to very good standings and every year I am met with adversity from Equifax. I have been stuck in XXXX, XXXX, for the last 16 months and the means in which they provide for sending in my information is not feasible from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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 originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. 
Last year I filed a complaint with each of the respective credit bureau ( XXXX, Trans Union and XXXX ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on XXXX of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.

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