BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched Credit Card Fraud claim XX/XX/XXXX {$470.00} UNAUTHORUZED TRANSACTIONS. see attatched statement of XX/XX/XXXX. ( XXXX +XXXX +XXXX   +XXXX +XXXX +XXXX +XXXX +XXXX +XXXX +XXXXXXXX +XXXX   +XXXX +XXXX = TOTAL {$470.00} ) NO XXXX XXXX transaction of {$120.00} IS NOT INCLUDED in the {$470.00}. Ms XXXX USAA LIES THAT THE XXXX XXXX WAS PART OF FRAUD I REPORTED XX/XX/XXXX. THIS PROOVES IT WAS NOT. XXXX LIED PREVIOUSLY MANY MANY MANY TIMES. Ms XXXX is NOT CREDITABLE. see attatched XX/XX/XXXX statement. XX/XX/XXXX SAME CHARGES APPEAR. 
With an F in ref number ( XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX +XXXX +XXXX ) Kindly note XX/XX/XXXX transactions have ( F ) in reference numbers indicating these are previous fraud charges that USAA put BACK ON CARD. There is no ( F ) in ref number on the XX/XX/XXXX statement. The transactions XX/XX/XXXX were supposed to be CREDITED for the fraud XX/XX/XXXX BUT WERE CHARGED INSTEAD. see Fraud letter XX/XX/XXXX XX/XX/XXXX claim date. This error has been reported numerous times. Ms XXXX says all accounted for properly after her review. ( Ms XXXX the XXXX XXXX WAS NOT REPORTED AS FRAUD XX/XX/XXXX. It is NOT INCLUDED IN the {$470.00} charges. ) DEFAMAMATION REPORTED. The XX/XX/XXXX charges should be CREDITED for the fraud of XX/XX/XXXX. AND ALL CREDITS CLEARLY ARE NOT CREDITED PROPERLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$26000.00}.

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 2018-03-06
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we contacted our mortgage company. Roundpoint Mortgage Servicing to advise them that we have a tax abatement with the purchase of our property which was supposed to take effect as of XX/XX/XXXX however it had not reflected in our payment. The associate told us we needed tax documents from our township which we provided in 2 business days to them and confirmed it was received. We were told at that time that they would do a escrow study and make an adjustment to our payment and we would see the adjustment in our XX/XX/XXXX payment and within two weeks begin processing our refund which at this time was approximately {$5000.00}. Two weeks passed and we did not see any adjustment to our mortgage payment. We called roundpoint a third time and was told that for some reason the escrow study was not yet done but would be done then and finished before our XX/XX/XXXX payment came due. We also asked at that time to speak with a supervisor but was told one was not available but someone would call back. We never received a callback. Two weeks after that, we call again. We ask for a supervisor immediately and were given the run around. In the meantime while waiting for a supervisor, the associate advised us he would expedite the escrow study ( which still was not completed ) and to not make our XX/XX/XXXX payment until it was adjusted to reflect the tax abatement by XX/XX/XXXX, We were also told that someone would call us with the results of the new payment information and results of our escrow overpayment which now is over {$6000.00}. We waited until XX/XX/XXXX and have not heard anything. We contacted Roundpoint again today and spoke to a XXXX who stated that our escrow study was still not completed and asked for a supervisor. We were continually told that one was not available and we have been on hold for almost 3 hours with no resolution. They have still not told us when we would receive our escrow overpayment or make the correct adjustment to our mortgage payment

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 2023-08-10
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023.

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 2021-12-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I consistently check my report. I notified XXXX XXXX due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX XXXX XXXX ET Closed Sunday Access XXXX  Auto Online Services at XXXX I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through Experian and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, EXPERIAN, & XXXX. Proper identification is provided.

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 2016-07-26
Company: ClosingMark Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XXXX of XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than XXXX months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting a lot of calls from Medical Revenue Service XXXX for a friend of mine. I've explained she had a XXXX and moved to another state with family members. They still keep calling my cell phone. I am not getting mail for her so I have no address to write them for a request to stop. I did speak with a employee over the phone, twice and requested they stop calling. But it hasn't stopped yet.

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 2022-07-14
Company: VYSTAR CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They launched a new mobile platform 2 months ago. We were locked out of accounts for a month, finally got online backing back up with limited functionality meaning besides checking balances I have to call to move money which is taking up to 3 hours to get a hold of bank rep to get things done in account each time. In a given week I have 5-10 hours trying to get a hold of the bank

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 2023-08-10
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-14
Company: MS SERVICES LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband and i bought a XXXX XXXX  in XXXX, after his death and life insurance i was able to continue with payments. I remarried in XXXX, but he died XXXX, now leaving me with house payment, car payment and RV payment on a low limited income. I wasn't able to continue with all the bills and payments. Talked to the bank and they agreed to pick up the RV. Told the bank I could not make the requested amount monthly payments. They in turn sent me to collections, stating i owe {$20000.00}. I do not know what I should do. Must I file for bankruptcy? My home was XXXX  last XXXX. I am a widow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The organization, sent a mass email to multiple loan holders disclosing private information regarding the status of loans. The sender was XXXX XXXX from Firstmark Services. After a few of us responded that this communication was a violation, she attempted to recall the email with no success. Proof of this email, the responses of the recipients, the lack of response from the company can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XX/XX/XXXX purchased vehicle advised 14 % interest due to medical billing ( XXXX treatments ) on credit report, payments at {$660.00}, maintained payments, was granted a reduction in payments but they added time to agreement. Filed chapter XXXX XX/XX/XXXX, Santander closed my online account and refused to provide my account statements or access to my online account. Due dates changed I called in to make payments amounts went up, company reps advised that they wouldn't supply any correspondence since I filed chapter XXXX, would laugh and tell me that I would have to pay amounts they directed requested bankruptcy department, disconnected or told my account wasn't available. Paper statements and account ceased, payments went from {$660.00} to over {$700.00}, told that it was late fees as due date was now XXXX ( each call it changed ). At risk of losing home to foreclosure due to amount of vehicle payments. Other vehicle was totaled in an accident so this vehicle was reliable transportation need help to reduce payments and interest have paid for vehicle {$26000.00}, tried to, process settlement arrangements please assist. Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX and XXXX of 2019, we mailed letters to Select Portfolio Servicing Inc for account information. SPS has sent response letters each time without providing the account information requested. SPS has offered a loan modification to reset our mortgage. We are delinquent due to medical and employment. Before signing a new modification that does not include previous equity we need account reconciliation on past payments that span our current loan. However, SPS will not provide the account information instead it repeatedly sends the new loan modification in multiple copies and refers us to their website. We are not savvy with compiling the information we request and demand that SPS provides us the information we seek to make an informed decision. It is our position that SPS has unjustly enriched itself based on our current loan. Therefore, SPS refuses to send us the account information. 

We seek CFPB to facilitate our consumer rights to obtain account information from SPS. 
SPS must send the following : - copies of mortgage loan origination documents with terms - all loan modification documents signed and presented -notification documents of previous loan holders and loan transfer documents -Mortgage itemization of : -- # of payments made on the loan from origination to Present -- total # of payments and figures ( $ ) for mort. loan from origination to Present for : -- -Principal -- -Interest ( bearing / non bearing ) -- -Late fees -- -escrow -- -how much of principal is deferred payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: PA
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 have an account which has been charged off. It is with JPMCB Card Services in the amount of {$2800.00}. 

I pulled my credit report today and noticed that they are reporting me as paying them during the months of XXXX and XXXX, XXXX and XXXX, XXXX, and XXXX in XXXX. I can guarantee you I would not have made a payment on a charged off account, thus, restarting the timeframe for which it will fall off the report. Unless, of course, we came to an agreement. This is an erroneous error and egregious for that matter. There was not even a decline in the amount owed. 

This is a blatant violation of FCRA regulations and if the account isnt removed immediately, I will be seeking a minimum of {$1000.00} in damages per day per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the FDCPA ( including, but not limited toSection 807-8 ) Violation of the FCRA ( including but not limited to Section 623-b ) Violation of FCRA ( Section 695-c ) I have attached photo shots of my credit report. I went back as far as I could and noticed it started in XX/XX/XXXX. That would be the start date I would be filing for, if this goes to court. 

I hope we can end this amicably and remove it from my credit bureaus ASAP. I am still willing to settle the account for the amount discussed a few months ago if you move forward with this action immediately. Otherwise, I will get litigious and file at suit for above said violations Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MS
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'm really not sure what happened. I have mailed off letters to the XXXX XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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