BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: U.S. BANCORP
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house burned down In XX/XX/XXXX. I have US Bank as my mortgage company. I have submitted my insurance check to them and have completed all of the steps under step 1 and 2. After I completed step 1 ( I will upload all paperwork US bank has  sent me ) I was denied the first release of my 33 percent check to pay my contractor because they said I need blue prints and I would not get my check until blue prints were given to them and they were approved. No where in the paper work does it say I need blue prints. I uploaded and faxed what I had from my contractor and filed a complaint. I called US bank property loss division the next day and my first check was released. My check was sent to me. I now have completed step 2 and waited the 5 business days like I was told. I called today XX/XX/XXXX. The first person told me what I had originally uploaded wasn't sufficient and they were denying me my second check. I was put on hold and hung up on. I called back. The second person told me the same thing and said we need " more measurements. '' No where on their paper work does it say I need " more measurements '' to get my second check. I was disconnected from that call as well. Neither the first or second property loss customer service agents called me back. I called a third time. That customer service agent informed me my paperwork was just general paperwork and they do not have total loss paperwork and that it doesn't matter if I completed all the steps on the only paper work US Bank has provided me and that they will not release my second check so I can pay my contractor for my house being 50 % complete.

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 2021-10-25
Company: EQUIFAX, INC.
State: MN
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 am disputing the following non-XXXX XXXX Inquiries on my credit report.- XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent. 
XXXX - CARD SERVICE Issue This inquiry is fraudulent. 
XXXX XXXX XXXX XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent -- -- - Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank decided that they would close out my account when there was money pending to go into the account that I needed to pay my bills the bank claims that there was too many log in attempts and that I owed XXXX $ $ $ and change that I already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. 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 2020-04-27
Company: AES/PHEAA
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: Account information incorrect

Complaint:
Around XX/XX/XXXX, American Education Services ( AES ) reported to the credit reporting agencies that I am a joint owner and have joint contractual liability for five student loan accounts. AES has misrepresented the ownership of these student loans accounts on my credit reports. The accounts were open by a sole owner on the following dates with the original loan amounts : XX/XX/XXXX {$26000.00} ; XX/XX/XXXX {$5300.00} ; XX/XX/XXXX {$20000.00} ; XX/XX/XXXX {$10000.00} ; and XX/XX/XXXX {$10000.00}. I did not agree with AES to borrow money from their financial institution for student loans. I agreed to cosign the loans but I did not sign as a joint owner or joint borrower. The legal status of these titles make a tremoundous difference. I co-signed for the sole account holder and owner of the accounts who borrowed the money. At some date, which I am not sure, AES changed Responsibility to Joint Account impling that I borrowed these funds. This change impacted my credit report with adverse transactions and more importantly causing my credit score to decrease by 45 points or more. I discovered this drastic decline when I checked my XXXX XXXX XXXX account for my free FICO score. 
In legal terms a joint account or co-borrower is an account with two or more individuals borrowing funds or property and the joint owners agreeing to repay in accordance with the terms for payments. In legal terms a co-signer is responsible to pay if and when the borrower/owner fails to pay but has not borrowed the funds and has not agreed to pay on the terms that the owner agreed. Over the course of the repayment, I have complied with the co-signer terms and paid when the borrower/owner was unable to repay the monthly loan amounts. However, this action does not make me a joint owner. AES continual seeks to undermine my credit standing and score, calling and stating that they will report nonpayment should I not pay. They call me even before they check with the borrower for payment or arrangements for payment. AES ' action is a violation of my consumer rights, reporting me as an owner when I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Ocwen Financial Corporation
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:
I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and PHH mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and PHH reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor PHH had the right to Report any information pertaining to me to XXXX In XXXX XXXX, XXXX XXXX and PHH previous replies I disputed XXXX in XXXX of 2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and PHH provide the Law which states that as a Lender they had the right to Report a Negative Remark to XXXX  during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and PHH has violated my rights. How and why would XXXX XXXX, XXXX XXXX or PHH sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and PHH explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed XXXX in XXXX or XXXX as they orginally stated.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
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 an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Bank of America card services to pay a balance of over {$25000.00} on XX/XX/2020. I provided the correct routing and account numbers to the representative named XXXX, located in Virginia, to satisfy not only the balance, but the expected interest that will be billed in XX/XX/2020. The payment did not process from my bank account as expected. I called Bank of America on XX/XX/2020 and spoke to XXXX about this issue. I was reassured that no negative impact would affect my account as this was a bank error. I have now been charged a {$28.00} fee for the returned payment due to Bank of America 's error. So far, BofA has not credited my account for this fee or removed the returned payment history from my account. This is absolutely no fault of my own. At this point I want the errors corrected, and additionally, I no longer want to be charged the anticipated residual interest due to the fact that I have been MATERIALLY IMPACTED, and my time has been wasted in trying to resolve this. I also want further compensation, to the effect of no less than {$5000.00}, for the time and stress which I have incurred due to Bank of America 's blatant incompetence in being able to service my account needs accurately. Without a satisfactory, and timely, response, I will pursue further legal recourse.

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 monetary relief
Consumer complaint received 2018-11-26
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to find a company to help build me a new home this year. I went to XXXX XXXX XXXX in XXXX, FL. After filling out the application and spending 2 wseeks going over options and home builds. I was told I needed to apply with FBC Mortgage in XXXX, FL in order for XXXX XXXX XXXX to continue to set up plans to fully qualify me for my home build. I mentioned that I would use my own bank or my previous mortgage broker who helped me a few years ago, and they said No! I was told that I had to go through FBC Mortgage first in order to see if my credit and income qualified. 

I was told that I would receive a better rate and lower paynent by going through this mortgage company. I called them even though I felt the whole situation was being monopolized and I was being steered towards an affiliate of theirs only. I spoke with a young guy who had very little knowledge about my situation but kept making promises. He said that if I used them they offer a discount on the appraisal because i was referred by XXXX XXXX XXXX. 

When I tried to insist I would use my own mortgage company I had XXXX phone calls from various managers from both FBC and XXXX XXXX. After about a month of being harassed with calls and rude managers telling me I had to do it a certain way i decided that neither company was for me. I read the negative reviews online and they all seem to have the same problem. As a business owner and a consumer i feel that the CFPB should look into this relationship and how it is affecting consumers and alos possibly violating the Dodd/Frank and or other regulations that cover steering, affiliate business, and customer options. Also why is it that they only advertise ( 1 ) lender on their website and not other local options?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Consumer Portfolio Services, Inc.
State: NC
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:
Consumer portfolio services put 2 inquires on my XXXX  report. The same date on both. I called XXXX they told me to call them gave me a phone number but the number doesn't work. I don't mind 1 inquiry on my credit but not 2 of the same thing. I need help in getting 1 off XXXX wouldn't know help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: SC
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 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
OnXX/XX/2020 chase bank froze my two account over a wire transfer to my account I was told it a cash transfer no way is it fraudulent then chase was mailing me a check refund of my money XXXX XXXX other account XXXX I have statements showing my money that chase took

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CNG FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/2019 I called check n go and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company Check N Go. It's  never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation