BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, we started our process to get a construction loan approval with BBVA Compass in XXXX, TX. After giving all our information and running our credit we received pre approval for a loan. The loan officer then quit. XXXX from XXXX office referred us to another loan officer who was not qualified and then after a month finally referred us to a XXXX XXXX out of the XXXX, TX. We submitted our paperwork again in XXXX XXXX over the phone. Every Friday new paperwork was asked to be submitted and was faxed to XXXX XXXX the loan processor. Every month was a new promise of closing by the end of the month. Our credit report has been run about 3 times. It is now XXXX XXXX and we barely received our appraisal ( which we paid {$600.00} ) and have been told it will take another month to close on the loan. After repeatedly telling them and emailing them that our builder has given us a deadline regarding his material prices. Both officers blamed us for submitting paperwork late although we have the emails and fax reports that correlate our promptness. When I finally told XXXX XXXX that we will leave if our loan wasnt expidited and cleared within two weeks. She said it would be best if we leave and go with another bank. Both me and my husband have good credit, good jobs, our property is paid for, and we are only asking for a $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I received an email from Barclays regarding my XXXXXXXX XXXX  XXXX XXXX offering a reduced interest rate through XX/XX/XXXX. 

I accepted the offer. 

I later received a letter dated XX/XX/XXXX referencing credit review date of XX/XX/XXXX advising that my credit limit was being reduced to about have of the limit that it had been for several years. 

Between the offer date of XX/XX/XXXX and XX/XX/XXXX, to my knowledge, there were no changes to my credit report that would have had a negative review. I use several credit monitoring systems and between that time period the provide scores from these services stayed the same or increased. 

I believe this was an Unfair Deceptive Abusive Act or Practice. From the marketing material I received I had no reason to believe that there would be changes to the XXXX account other than the reduction of the interest rate. 

So far I have experienced the following damages due to the reduced credit limit including payments declined and my bank card utilization to increase above 30 % resulting in reduced credit scores. 

After XX/XX/XXXX but before I received the notice of the reduced credit limit I was applying for a residential loan. This reduction in credit limit may cause me additional damage of not being eligible for the loan I have been preapproved for as well as additional damages.

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 2019-08-06
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached statement of payment activity from Mr. Cooper. On XX/XX/XXXX, I received an email from Mr. Cooper stating that my payment had been posted. I checked to see if my XXXX payment had been posted correctly. It had. They showed that {$500.00} had been applied to principle along with the additional {$600.00} that I had sent. The principle balance showed as {$140000.00}. This morning, I received another email saying that my XXXX payment had been posted. Only, this time, this time, there are four new entries. They cancelled out the original posting, and lowered the principle payment to {$500.00} along my {$600.00} additional payment, but now, the principle balance is {$140000.00}. The balance is now {$860.00} higher than what it was before. JUST WHAT IS GOING ON!! As I said before, it is high time for Mr. Cooper to be audited. How many other people are they cheating out of their money?? 

Also, my original complaint against Mr. Cooper has not been resolved. My {$1200.00} additional principle payment from XXXX still has not been applied to my account. I have not received a reply from XXXX XXXX concerning the {$450.00} in legal fees that she claims that I owe, when the trustee of the bankrupty had already paid it. 

I made two attachments. I don't see where they are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder. 

I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX. 

I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine. 

I am trying to move on in life - but, these types of debts are holding me back. 

Thank you for your consideration to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX  XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: MI
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ... 
This message is to file a complaint against XXXX XXXX and First Source debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for XXXX XXXX credit card. Unfortunately, my father passed away on XX/XX/XXXX. XXXX XXXX did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a full time student and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a ten year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. XXXX XXXX and First Source debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at  work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has been on my collection accounts for a while, I made multiple attempts calling for the company to provide any information of proof and to dispute. When I called they stated that I disputed so many times and will not dispute anymore. When I finally got the woman to tell me what address they were sending it to she stated an address in Georgia and I have lived in New York all my life. Ive explained that I was a victim of identity fraud but the Collection debt agency has not been cooperative. I am backed up against a wall and unsure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX : JPMCB CARD # XXXX Previous credit limit : $ XXXXCurrent credit limit : {$13000.00} On XX/XX/XXXX, 2021Chase credit card reduced my credit limit for no reason. They send me an email stating : Previous credit limit : $ XXXXCurrent credit limit : {$13000.00}. I have tried to call them to find out they this action happened. They only tell me to ask for a credit line increase. My current credit score is XXXX, so I know that they want increase my credit line. 

I do not have any late payments or any over the credit limit with this bank. Chase has not responded to nay letters about this problem. My credit score has been damaged because of this action. 

I have made ever effort to work with Chase concerning this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: Residential Bancorp
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received a Loan Estimate from Residential Bancorp - XXXX XXXX. At the time I did not know they were supposed to put the full deposit of {$11000.00}. It was just the {$2500.00} deposit. ( Which the {$11000.00} was given before XX/XX/XXXX ). Today I realized only the {$2500.00} was showing on pg. 2 in the Calculating Cash to Close/deposit section. This was showing I still needed to {$14000.00} instead of {$6200.00}. I contacted XXXX XXXX in regards to this not reflecting on the Loan Estimator and she sent me the price addendum instead of a new Loan Estimator.  I explained that this should be reported on the disclosure, she had XXXX XXXX contact me stating it was not the Loan Estimator but the Initial Disclosure completed by their former loan originator. I explained that is not the disclosure Im referring to and the email I received was sent by XXXX XXXX on XX/XX/XXXX. XXXX responded that my loan amount was listed. I never disputed the loan amount. I am only disputing the cash to close information. Im not sure they did not add this information when it was known ( statement requested confirming items cleared ). I  have had other issues like not knowing Im paying points for a lower rate but am not complaining about this, only my disclosure is incorrect. It appears to be deceptive since my actually out of pocket should not be {$14000.00} but {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
This issue has been going on since XX/XX/2020 and nobody is helping me! Hyundai is clearly reporting this account inaccurately and after their computer generated investigation is stating that it is reporting accurately. This account is supposed to be CLOSED with no recent missed payments. XXXX has it as open with one recent missed payment and XXXX has it as closed with no recent missed payments. Hyundai is claiming they investigated and is accurate when my credit report clearly shows the inaccurate reporting! Attached is Copy from my credit report, Hyundai response saying its reporting accurate. This is a serious issue and hurting my credit rating and causing me to be denied credit! I need someone to reinvestigate this account 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 explanation
Consumer complaint received 2019-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I noticed this on my report. I have sent them several letters asking them to provide me with a copy of any viable evidence bearing my signature. They have not been able to provide me with anything except a statement. They can't tell me what was purchased, when or by who. They keep calling me and harass me daily. I will be attaching all my letters with proof they have received these letters and still keep sending me statements. I had another instance with another debt collector where i had something on my credit report that did not belong to me and they were able to provide me with the actual application and there were two different handwriting that were not mine. i have no idea what this portfolio is trying to collect and they can't verify account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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 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 2017-11-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX, XXXX, I applied for the XXXX XXXX card through American Express, and was approved immediately. Two offers existed for this card that I was interested in : one was a {$100.00} statement credit that would be applied to the account if you made a purchase with XXXX ; the other was a bonus of XXXX XXXX miles if I spent {$4000.00} in the first four months of having the card. 

American Express offers a way to use a card immediately after you 've been approved, so on the day I was approved, XXXX XXXX, I booked tickets for my husband and me on the XXXX website, for the amounts of {$140.00} each ( {$280.00} total ). This spending should have triggered the {$100.00} statement credit. 

On XXXX XXXX I met the {$4000.00} minimum spend requirement to get the XXXX bonus miles. 

It is now XXXX XXXX. It has been five and a half months since I met the statement credit requirement, and it has been four months since I met the bonus mile requirement. I have not received the promised reward. Since XXXX, I have contacted American Express via phone or via online chat about 2-3x per month to ask for status updates on this issue. I am only told that American Express is aware of the issue and they are working to fix it, and " it should be resolved in a couple more days. Please be patient. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Creditor affirm is being reported on experian as a {$3000.00} repossession opened in XXXX. It used to be reported correctly and all of a sudden it changed. I have a letter from the creditor stating this, as well as email 's from them. The correct information is that it was originally opened on XXXX/XXXX/XXXX in the amount of {$550.00}, payments of XXXX were to begin on XXXX/XXXX/XXXX. I have been making timely payments. It is not a repossession, Never late and i also have an account verification letter that affirm sent to me confirming all of this. I have sent this letter to experian, uploaded it multiple times to experian and disputed with this letter 5 times. Each time experian says the information will remain unchanged. It is an obvious error in experian 's system because the information they are reporting on the affirm account is the same information being reported on a different repossession account listed from another company on my credit report. Somehow the information is mixed up in experian system

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 2017-11-07
Company: Mid-America Accounts Control Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mid America out of XXXX MO is calling me repeatedly at my place of employment. They also call my personal cell at all hours of the day including late at night. No information has been received in writing from this business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2020 after attempting to set up an account through annual creditreport.com and through Trans Union directly, I was unable to set up an account. They sent me an email request for identity verification. I submitted to them my Social Security card, my passport, a utility bill and my drivers license photo. 

XX/XX/2020 I received an email from their fulfillment department stating that they had received my identification documents and they had been excepted. It said that the security lock had been removed from my account. They asked me to give it 5 to 10 minutes before logging back in. I attempted to login to view my credit report and it locked me out and said that I was using the wrong information. Such as user ID or password. 

XX/XX/2020 I was emailed and told that my login name reset was successful but I was unable to login with the new user name. 

XX/XX/2020 I was sent an email by Transunion that included a temporary password to login. Again I could not login using the temporary password either. 

XX/XX/2020 I was sent an email by Transunion that said my login information had been updated. I was not able to login. 

XX/XX/2020 I received an email from Transunion that said due to security reasons they were required to lock my account because it was set up fraudulently. They said their records indicated that at some point someone in the past or myself indicated to Trans Union that my account may have been set up an error. I myself never contacted Trans Union and said my account had been set up in error ever. They XXXX went on to say that this is something that may happen when a customer enters an incorrect Social Security number when they are attempting to set up their own account. They said that they placed a lock on my account because they were legally required to keep it locked and I would not be able to access my report through the website. However I was able to either requested by mail or by phone. These are the same options that I tried before and I tried them again after that letter/email and again, it took me through the same loop again unable to get my credit 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 2019-06-26
Company: EQUIFAX, 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:
The account/collection ( Original Creditor : ) XXXX doesn't belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted Equifax to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

Company response to consumer: Closed with explanation