BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to Hurricane  XXXX in XX/XX/XXXX, we were granted a 6month deferment thru XX/XX/XXXX with LC. 

However in the interim : ( 1 ) they have reported us negatively to all 3 Credit Bureaus - after saying we wont receive delinquent fees or reporting ; ( 2 ) they have yet to provide us with an itemized payment report per XXXX XXXX, a Supervisor, stated he was going to mail that report ; and ( 3 ) The ENTIRE STAFF is ALWAYS rude, condescending, impatient, & unknowledgeable of the status of our modification. 

We have resumed our monthly payments & cleared 4 of the 6 payments in arrears. But when we call in with questions, we are consistently told that we must speak w/a Rep from the Loss Mitigation Dept. - but good luck w/that! No one can tell us " who '' our Rep is & when we are given a contact name, that contact is constantly reassigned so we are never clear " who '' is our current point of contact. That person NEVERS returns messages either emailed or verbally left w/the Customer Service & Collections Depts. XXXX XXXX in the Underwriting Dept. was supposed to call us regarding the status of our modification it never happened! 

Our monthly payment amount has fluctuated via a written statement & via verbally told by a Rep. The only explanation provided was, " disregard that statement - you will get a new payment amount when the underwriter completes your modification. '' Currently, we are unable to access our account online XXXXdue to this supposed " modification process '' - but guess what LC, WE HAVE BEEN TRYING TO PAY THE 2 ARREARAGE PAYMENTS!!! This process has taken forever, so we dont want nor need your modification with only a {$4.00} reduction in monthly payment!!!

After experiencing Hurricane XXXX & hearing the recording that said LC was here to help - we do not feel valued as their new consumer nor do we receive respect from ANY of their employees ( employee # XXXX on XXXX @ XXXX CST ) when we call in. This includes extremely rude supervisors, such as XXXX XXXX that shouted @ me on XX/XX/XXXX @  XXXX CST. We have even had employees disconnect the call, after we have asked to speak w/a supervisor. 

Again, LC is attempting to collect a debt well, we have been attempting to pay a debt - but since our initial phone call in XX/XX/XXXX after Hurricane XXXX, we have had the worst experience ever with a company who holds the  mortgage on our largest asset. YOUR ORGANIZATION SHOULD TAKE A CHAPTER FROM XXXX & CLOSE FOR AN AFTERNOON TO PROVIDE PROFESSIONAL, COURTEOUS & EDUCATIONAL TRAINING.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.

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 2019-01-26
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Contacted Navient as I was placed on XXXX XXXX in support of XXXX XXXX with the XXXX XXXX XX/XX/2018. Navient has harassed my children former spouse elderly and XXXX parents and my sister 's. They have called over 100 times. I have contacted Navient and was told if I pay them XXXX ASAP they will clear the Loa s and Mark paid In full. I have submitted military XXXX  and the amended extension  which Navientsaid they never received. I told Navient with Being on XXXX  how was I suppose to get that amount of funds as I am on military XXXX. Navient told me to borrow the money from my family. I tried telling them the .oans shoj , d have been placed under protection while I am on XXXX XXXX XXXX. I pleaded with them to please not call my family as when they get a call and hear my name they assume the worse and something had happened to me. Please assist and advise. Navient told me they can resort to any means they see fit to get a hold of me and regardless if pay me d 's are Being made the payments are not the full payment amount that if I bad a car I would owe a certain amount so I need to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have CashApp for rewards to two charity thrift stores. When I looked Under my account it stated your account is closed. There is no phone number the support number to send email messages. I sent a minimum of eight emails in In Wy my CashApp was closed. Im looking at I noticed distributed by XX/XX/XXXX.Information they would give me was that it was a service that was violated no further details provided. I explained to them that Ive been stolen and close. I contacted XXXX XXXX  and ask them if there had been any transaction that has been sent money and then reversed. They said they were sending me a copy of the transactions that occurred while my possession. I later got correspondence stating that they would not give me information that they will give it to my bank. I went to my local XXXX XXXX  and asked for these emails Regarding transactions to be emailed to me that is going to happen this week. However refuses to Provide any help with any information about anything that went on even though this is my account and none of my rewards which are not associated with XXXX college are posting. I had heardThat there is a tremendous amount of fraud That occurs with cash app with CashApp. This is owned by The company squared out of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a conventional load with Amerihome Mortgage. I technically missed a payment in XXXX. However, this was simply by electronic error. On XX/XX/XXXX, I submitted the payment using their online payment website. However, the payment didn't process. This was not brought to my attention. I did not realize they did not receive the payment. 

In XXXX, I made my next scheduled payment. However, I was actually paying the late XXXX payment. Again, I just didn't realize it. When I went online to make my XXXX payment, I found Amerihome has fully closed my account and passed it along to another company. Possibly a debt collector but I have not information for them. I have no contact information for the other company.

I looked back through my email to see if I missed something and found that Amerihome had apparently tried to contact me but could not. The emails I received say they do not have my contact information and that I should call them.

Now I try to call them and they do not have a customer representative to talk to or any other options that involve Amerihome.

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 2022-10-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-01-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a cd with a term of 18 months. The bank renewed my cd without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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: Reporting company used your report improperly

Complaint:
RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 

XXXX ACCOUNT # XXXX Please exclude this account from my consumer report. 

2.XXXX  XXXX Bank Account # XXXX Please exclude this account from my report. 

3. XXXX XXXX Account # XXXX Please exclude this account from my consumer report 4.XXXX XXXX Account # XXXX Please exclude this from my account. 

5.XXXX XXXX Account # XXXX Exclude this from my consumer report. 


XXXX Account # XXXX Exclude this from my consumer 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 2020-06-05
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

I am not happy with the results of my complaint. It is being brushed off. I want the inquires removed. I have attached documentation to show what occurred. 

Why isn't what i am indicating being ignored and just because they answer with some story the final word. No further investigation, no nothing????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX SOLD MY ZOMBIE DEBT TO XXXX XXXX XXXX, XXXX AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: U.S. BANCORP
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The last weekly phi I received was on XX/XX/XXXX I filed for lost or stolen card and they never restarted my benefits again

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 2021-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of this year the Chase private banker XXXX XXXX XXXX placed a call for me to Chase mortgage on which she participated. The call was to confirm whether Chase had POAs for me. On receiving my social security number, Chase identified two unknown mortgages at Chase, one of which is to my current home with a mailing address to a former home.A Company which I employed in XXXX is also on the mortgage but that company was not employed by me in XXXX, the last time I lived in my former address. I phoned Chase multiple times post this conversation to send me documents. Chase representatives found the same logs but did not give me more information and said they needed the request to go to archives. I wrote archives. which Chase phone representatives confirmed as researching. I followed up with additional phone calls but I never received any documents or even a letter acknowledging my document request. I asked a lawyer to write for me. The letter was sent XXXX XXXX and Chase has not answered or acknowledged his letter either. I want the documents and information on the mortgages. There are no assignment letters showing any mortgages going to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I received a notification from XXXX XXXX claiming that I XXXX {$190.00} but I don't owe anything. XXXX is the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Warning : SCAM ALERT- please be aware that this is NOT a XXXX  Customer Service App for XXXX. These scammers got into my account and withdrew upwards of {$4000.00}. They took over your account remotely when I called this number. I was trying to inquire about my XXXX card that never arrived to my address. When u realized what was happening, I called my bank XXXX Bank of America XXXX as the hackers were still on the phone hacking my accounts.i spoke with a XXXX around XXXX on XX/XX/XXXX. She heard the hackers on the phone telling me not to report it to my bank, because they would return the money in three days. I directed the bank representative to freeze my accounts and stop all transactions at once within the last hour. XXXX passed me over to a XXXX in fraud after she assured me that she had cut the ATM services. To my dismay, I found out that transfers went through to XXXX and XXXX. They also sent funds to some fictitious accounts. XXXX told me that I may or may not get my money back. I felt this was not an accurate statement as a customer of 20+ years to this bank. I know my money should be protected under FDIC. I am not about to pay bills, put food on the table, or get gas for the remainder of the month due to Bank of America permitting this hacking to go through despite me calling them in the midst of it happening. They said they are investigating, and I will be contacted by a detective. I am working with the police and my bank to bring these crooks to justice quickly. I hope they credit my accounts back fully regardless. I need my funds to pay bills and eat. Please help. These transactions should have been stopped.

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 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
After applying for a loan, my credit report stated that Capitalone had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Obtained an in-house mtg with First Citizens Bank XXXX XX/XX/2022. First payment was due XX/XX/2022. Made payments early and principle payments. Principle payments were not applied accurately and charged me interest on principle payment. One payment charged me 100 % interest which is illegal. Charged me a late charge even though multiple payments were shown. No one will listen to me and said they can not fix any mistakes from last year even though I have been trying to get this fixed since last year. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Opportunity Financial, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation