BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: DISCOVER BANK
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On Wednesday XX/XX/XXXX I received an email from Discover stating the following : XXXX, weve selected you as a valued Discover Cardmember with a responsible credit history. You have an opportunity to apply for a fixed-rate Discover personal loan to consolidate your higher-rate debt.1 Simply get started online before XX/XX/XXXX. 
I was hesitant to apply simply because I've been working strenuously to fix my credit score over the past few years. After a few days, I decided to go ahead and try it as I thought this would help me better manage my funds. I applied on Monday XX/XX/XXXX. I was told via the online application system this would not impact my credit score to just take a look, so I applied. I was told online that I was approved and simply needed to send proof of income to get the process started ( which didn't quite make sense since I already started the process [ so I thought ] ). After furnishing proof of income ( well above their qualifying limit listed ), I was forced to call an agent to " finish the process '' - which I did. That agent also said I was approved and all they had left to do was verify my income. After two days and a hard inquiry to my credit, I have now been denied for the debt consolidation loan they said I was approved for. I would not have even considered this if I wasn't already a Discover customer and if I was not told ( multiple times ) that I was approved. It was not " pre approved '', they said approved. This is the definition of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called my brother on XX/XX/XXXX. They keep contacting my family members about a debt that has been paid off more than 8 years ago. 
My sister was contacted in XXXX and I clearly told them to stop contacting my family members about a supposed debt totaling {$14000.00}.

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 2020-11-19
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First i have never been late with a payment and i always pay extra to my principal every monty. 
Last year Mr. Cooper/nationstar gave me the option to pay the escrow variance or have an increase in payment. i opted to pay in full. they still increased the payment. 
Same thing happened this year with the escrow and even though they increased the payment, my account shows an excess. Your escrow analysis was on XX/XX/XXXX. At this analysis, you have a surplus of {$14.00} Then they refused to pay my Home owners insurance which was almost cancelled. 
Now, on XX/XX/XXXX, I sent a {$34000.00} Principal payment after I paid my XXXX payment on XX/XX/XXXX. i wrote on the invoice Principal only and on the check Principal only. They took out a payment and took the interest on the principal payment. they applied {$32000.00} to the principal, then took {$160.00} in interest that they stole, put {$580.00} in Escrow, and another {$490.00} to principal. 
i emailed : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX requesting to have this fixed. They refuse to respond to the email. i called Mr. Cooper and spent XXXX minutes on the phone while they " corrected '' it with a supervisor. i was told to wait XXXX hours before I would see it and they would monitor it and call me back. I never heard back and it was never corrected. i wrote on XXXX and was told by XXXX XXXX '' XXXX '' to call her. I called her and left a message. She never returned the call. I posted again that she did not call. i posted a snapshot of my phone showing that I did call her at the exact number she provided XXXX last year she provided a different number ). i also called the " customer Service '' number tonight which says " you are not calling during working hours '' and disconnects. Who knows what working hours are or the time zone because it doesn't say and you can't leave a message. Then i sent an email to XXXX tonight at XXXX. I don't expect any different results. I can provide any and all emails, XXXX responses, calls, etc. 
XXXX XXXX. 
Manager I dont have any missed messages or calls. Please Call me directly at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have my condo mortgage with U.S. Bank XXXX XXXX. The bank requires a certificate of insurance that covers hazard and flood. My homeowners association dues covers this cost and the HOA purchases the hazard and flood insurance annually and provides us with the certificate. Each year, U.S. Bank places a forced flood policy on the property which is about 4 times the cost of what I could purchase separately, and once I provide the certificate of insurance, they refund the full amount of the insurance. This year I have twice sent them the copies of the insurance certificate, but they continue to insist that it does not cover my property for flood although on the second page it clearly states on page 2 that  FLOOD is covered with the specific sufficient amounts. This morning ( XXXX XXXX XXXX ) I spoke with XXXX XXXX, a senior customer service representative, and she again reiterated that they had no record of flood insurance. I am faxing the certificate to them a third time, and I am requesting that they refund the {$1000.00} they placed against my mortgage. Our condo association is very aware of this practice by banks, and it appears the banks are simply relying on customers to ignore the additional charges and be over insured.

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 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was a computer glitch that was TransUnion 's problem -not mine, and it caused inquires to be deleted off of my Transunion report. Transunion later added added them all back onto my report without giving me the legally written notice 5 days prior to them re -adding them. I contacted Transunion in good faith to ask them to delete the inquires that they had illegally re-added. Not only were the representatives rude but they also refused to listen and then hung up on me. These inquires add hardship and my rights were violated by Transunion. I am asking you to please help me make Transunion stop making a victim out of me.

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 2023-01-10
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
multiple phone calls, when I answer, they immediately hang up. No letters have been sent to me, only repeated calls but no one will speak. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: ProCollect, Inc.
State: TN
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:
As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit cars. The representative entered my request inform credit analyst will review within 10 business days. 

On XX/XX/2020 Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My credit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: DISCOVER BANK
State: MD
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:
XXXX XXXX XXXX reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but XXXX XXXX XXXX won't remove this from my 3 credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe that this account was paid off back in 2014. It had been removed from my credit report until a few weeks ago when it suddenly reappeared, claiming i owed over {$600.00}. i went to the webite of the account in order to find out what payments were made and if i actually did owe them this amount but they don't have any information about the account whatsoever. 

At the very least, this account is uncollectable based on the statute of limitations for california. I have emails regarding this account which show that the last activity on this account was late 2014. 

polease have it removed from my credit report 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 2019-08-16
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate complaint about the issue addressed in complaint XXXX, XXXX or XXXX. First Invst SVC pulled my credit without authorization on XX/XX/2018. This was due to XXXX XXXX sending them an application without my consent. I already had preapproved financing from XXXX XXXX. XXXX XXXX was only authorized to complete the XXXX XXXX application. First Invst SVC has not followed the law which under section 604 of the Fair Credit Reporting Act requires them to provide a signed contract to validate the inquiry had permissible purpose. Since First Invst SVC has failed to correct the issue an FTC identity theft report number XXXX was filed listing them and XXXX XXXX as using my information illegally. I demand for the final time before legal action is taken for XXXX XXXX to delete the inquiry they made on my credit report 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 2018-02-26
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account has been closed on XX/XX/2017 on the XXXX account i have with the store XXXX XXXX the amount of XXXX has been fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I was notified via text and email to a charge Bluebird Fraud Free Msg : Did you try to charge {$150.00} on Card ending XXXX at XXXX XXXX Reply 1 if Yes, 2 if No, STOP to opt out. XXXX and my response was No because this charge was being done out of XXXX Florida as my current location was XXXX Florida where I work and XXXX Florida where a reside. Therefore that was not me. So I did call XX/XX/2020 to find that my card was used in another other state on the same day totaling $ XXXXXXXX XXXX XXXX  {$63.00} and 3 transactions at XXXX XXXX XXXX  {$120.00} {$210.00} {$180.00} {$140.00}. How was this possible but this definitely was not me and I didn't authorize any of this transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells fargo lost my wallet seen old man watching ne didnt think nothing about it then lost wallet next day I have a XXXX withdraw that didnt fo now my pin is on my another card but in the numbers it's not written down they even stated that even though it wasnt me that took the money they got my pin right first time probley cause dude wat had me now they will not give me my money back and I'm out XXXX wells fargo XXXX I want even at the bank that day so this is wrong and I shouldnt ne held accountable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I originally had an account with capital one back in XX/XX/XXXX I could not pay the card off so my account went into a charge off status capital one sent my account to a collection agency called XXXX XXXX XXXX XXXX and I made a settlement agreement the original balance was for XXXX XXXX XXXX settled the account with me for a total of XXXX the first XXXX dollars I paid on XX/XX/XXXX and the second payment of XXXX was going to be paid on XX/XX/XXXX I called client services on XX/XX/XXXX to make my final payment and I was told that capital one took the account away from them. Capital one has a payment of XXXX dollars from me this is unacceptable and I want this situation resolved. I have been trying to call XXXX XXXX at Capital One to resolve this but she has not returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( XX/XX/XXXX ) XXXX XXXX XXXX cease. The next thing I receive is XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held on XX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX  XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letterXX/XX/XXXX stating until an investigation is complete, all collection activities will cease. The next thing I receive is the foreclosure lawsuit, without any investigation results. ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held onXX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letter XX/XX/XXXX stating until an investigation is complete, all collection activities will e foreclosure lawsuit, without any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a very long story but I'm going to do my best to stick to the pertintent details. All of this started with discrepancy with my property taxes. I went to the XXXX County Board of Assessors Office and reached a reasonable agreement to settle the property taxes. However, there was still an issue with the amount that they needed to correct. I notified my mortgage company to let them know before any problems were to arise. My mortgage company UWM ( United Wholesale Mortgage ) said I had nothing to worry about and thanked me for letting them know. All of this began just before the COVID-19 Pandemic Lockdown. I wrote a letter to UWM explaining the situation, as well as attaching supporting documents. I never heard back. I frequently called UWM to monitor the situation and asked them more than once if I should just pay the inflated amount and sort it out later. However, they said that I had to wait. I finally heard back in early XX/XX/2020, but it wasn't pleasant news. I received an email from UWM, stating that they paid my property taxes including an overage of {$1700.00} and that they were creating an escrow account, thus increasing my mortgage over {$1000.00} per month. To say that I was furious would be an understatement. To make matters worse I had inquired about the COVID-19 forbearance program but told the representive I wasn't interested if it would hurt my payment history and prevent me from having PMI removed from my mortgage. She assured me multiple times that it wouldn't. After looking into it, I decided that it wasn't worth it because they wanted all the money at the end of the 90 days, which is ridiculous. However, once again UWM found a way to extort more money out of me and told me I couldn't get out of forbearance. I paid them the money anyway but the held the funds in a " suspense account '' and continued to keep me in the forbearance plan even though I've been paying them on time every month. I am not behind on this mortgage and never was. I have paid this home down to 79 % which makes me eligible to have PMI removed but UWM keeps saying that XXXX XXXX won't let them drop the PMI, which isn't true. I truly believe UWM set all of this up just so they would have a reason to deny me the relief I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated open:XXXX

Company response to consumer: Closed with explanation