BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Following the sale of the property our mortgage was paid in full in XX/XX/XXXX and we have yet to receive our escrow refund check in the amount of {$1500.00}. We have called Lakeview Loan Servicing on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, and now XX/XX/XXXX. Each time we have been lied to regarding the refund status. Excuses have included representatives claiming they are submitting new refund requests only to find out during the next call they never did send in the request. We have also been told multiple times they are issuing a check and we should see it in 7-10 business days and the check never shows up. We have also updated and verified our current address multiple times, since they first claimed the check was sent to old address, which also had a forwarding service set up.

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 2019-02-06
Company: CMRE Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling a copy of my credit report I notice that this collection agency is reporting an account on my credit report on my credit report. 
1. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
PORTFOLIO RECOVERY ASSOCIATES has been calling me and harassing me non stop, they are disrespectful, they ask for my personal information which I will not provide because I have never done business with this company, I do not have a debt with this company. They don't even tell me for what such " debt '' they are calling me about. Very disrespectful and shady.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX  XXXX XXXX  back on XX/XX/2017. 

Upon leasing the car, i set up a direct debit payment plan so i would not of had to manually pay each month. 

In XXXX of 2017 i received a notification that my first payment was not made although i set up the auto debit. 

I reached out to Honda numerous times throughout the last 2 years to remove the derogatory mark from my credit report, although they have owned up to their mistake, my credit report still shows the derogatory mark of one late payment of XXXX. 

I supporting documentation from Honda stating that they removed their late and that i do not have a derogatory. I then had to mail this form along with an explanation and a bank statement to XXXX, XXXX and XXXX. 

Please have XXXX, XXXX  and XXXX remove the mark, thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, Greetings, I have initiated disputes with Experian and XXXX XXXX to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. Experian and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to Experian and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my Experian and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/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 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Dispute is with Bank of America. Credit card was fraudulently charged {$160.00} on XX/XX/2019. Claim was denied because we did not have a credit card slip. Since the charge was not authorized how would we have a credit card slip?

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 2021-09-04
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 belongs to someone else

Complaint:
Someone has gained access to my accounts and is preventing me from making my largest transaction. I have no idea what it could be or who it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date : XXXX/XXXX/XXXX Transaction : Show additional information for activity type transfer XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX Merchant Info : email : XXXXXXXXXXXX Phone number : XXXX I made a transaction with a XXXX merchant for concert tickets that I never received. The transaction was executed using Bank of America mobile app that uses XXXX. I do not have a XXXX account but the merchant does. After the transaction was made and I did not receive the promised goods, I called Bank of America right away. This was still on XXXX around XXXX EST. 

At this point, the transaction was still in " Processing '' stage. The banker told me that they can not do anything about it because it was in the " Processing '' stage. He/she told me to wait until the transaction was completed and to call XXXX XXXX ) bofa to file a dispute claim. 

After the transaction completed, I called again on XXXX. The new banker on the phone said that they can not do anything because the transaction is no longer " Processing '' and the money has made a final deposit already. The banker suggested to file a police claim for additional legal advice and that they will try to contact the receiving scammer end for a return on the amount. A police report claim number has been made upon my behalf. Please contact me for more information on that. 

Since Bank of America could not help me, I called XXXX. The support representative said that because I do not have an official account with XXXX, they can not help me either since this was done through Bank of America. 

In any case, I believe that Bank of America could have done something while it was still in the " Processing '' stage and stopped the transaction, but misinformed me, their customer, about their procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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 took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. 
Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my two months mortgage amount of {$3300.00} ( XXXX 2020 ) and {$3300.00} ( XX/XX/ 2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/ 2020. 

My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got approved for {$350.00} with Aspire MasterCard however there was a fee to pay in order to get the full credit so, I paid this fee. 
I never got to use the card once because when I tried it was always declined so I chatted with them and I was advised that account was closed due to inactivity on XX/XX/2021 and they never sent a message or letter letting me know this. This company ripped me off and they just said the account was closed and thats it. 
I cant believe that here is the US they let this awful people get away with something like this. 
Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
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 ID # XXXX In my previous dispute with this XXXX  dated XX/XX/2019. XXXX  has failed to provide a method of investigation as requested. CFPB complaint # XXXX XXXX  failed to respond to my method of investigation. Futhermore, as a company holing a report under my name, XXXX tried to push the burden of proof to me. How lazy and irresponsible of XXXX  to have me try to verify the information they are reporting, IT IS YOUR JOB XXXX!!!!!!!! not mine. 
-Still have yet to receive a method of invesigation -Still have yet to get any relief on the issues requested in this dispute -XXXX  has failed to fulfill their responsibility and tried to push the burden on me. 
- Multiple FCRA violations Furthermore XXXX  has failed to correct/remove/verify/show method of investigation for anything I listed tint the previous dispute. This company is willfully not complying with FCRA Once again, attached is all items that had been previously disputed and a method of investigation/verification had been requested in Cpfb complaint XXXX. I have the utmost confidence in XXXX ignoring/ brshing me off as well as, not complying with standards set forth in an industry they chose to be in. XXXX needs to do a better job at DOING THEIR JOB and stop trying to push their responsibility back to the consumer.

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 2021-09-04
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 belongs to someone else

Complaint:
According to FCRA, if I send you a dispute to fix my file, you must comply. My credit file still shows stuff that I said I don't validate and that shouldn't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have already filled out the report on a previous report to this XXXX and it clicked me out that I did not want to be identified as filing the report. It was a mistake and I am XXXX XXXX and want this report to be tied to the previous report to this one. It happened in XXXX XXXX Texas with the XXXX XXXX XXXX XXXX transfer of money thru the Chase account and thought Chase was notified they would not stop the money within only hours of the original transfer of money. 
This report should be connected to the previous report I have already sent by hitting the incorrect key.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 
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 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen when I ask why they said it was under investigation I still have funds deposit into this account no one has contacted me after several attempts to fined out what is going on my income-tax is being deposit into this account. I live in Louisiana and still filling the effects of hurricane Ida I need my funds available as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports

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 2019-02-06
Company: CORELOGIC INC
State: UT
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 was workig with a rental agency to rent an apartment and 2 hard inquiries were put onto my credit report from Credco within 12 days of each other. One on XX/XX/2018 and the other on XX/XX/2018. I contacted XXXX and explained the situation and asked them to remove one of the hard inquiries and they told me that they would not remove either of them and that I had to go back to the company that I was working with to have them remove it. The rental company said that they could not remove either of them because I had to talk to XXXX. So neither of the companies would help me resolve the problem.

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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from XXXX XXXX XXXX in the past ( XX/XX/XXXX ).  No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called XXXX XXXX XXXX in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to XXXX XXXX XXXX and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.

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 non-monetary relief
Consumer complaint received 2019-08-26
Company: Diversified Recovery Bureau LLC
State: NC
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:
Threatening to garnish wages, harassing and rude phone calls, threatened to sue, threatened to seize personal property, my house. Company only calls. I have not received any correspondence by mail with any details of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Tower Loan of Mississippi, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This guy XXXX XXXX I think is his last name. He has called with multiple last names. He is the manager. I told him me and my husband were separated about 3 months ago. He calls and leave messages daily. I stopped answering his calls and he still calls daily up to 3 times sometimes. 
He also comes to my house. Im a small person also XXXX and XXXX yrs old. He is a big man. Im in bed most of the time and if no one is with me I do not answer my door if not expecting someone. But I can see who it is and. Talk to them if I want. But this man beets on the door like he is trying to break it down. He beats on it hard. Real hard. And he beats on the glass to. I am scared of him. He says he wont leave till he gets money and beat on the door for over XXXX hr. This man reminds me of a muscle man for a crime boss from XXXX or XXXX  XXXX  Ive got a bad XXXX and he give a person a XXXX XXXX waking them up beating on their door like that. 
My name is not on the loan I dont owe him a penny. He has no right calling me, or coming to my house XXXX a week treating me like that. 

He is manager of Tower Loan XXXX XXXX IL I NEED HELP. I know what he is doing is not legal even if I did owe him. But I dont owe him so it should really be illegal big time. 

Can I have him arrested?

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