BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX - I was laid off and tried to get a loan modification. Was told the only way to get one was to stop paying my mortgage. They tried to foreclose. I referred to the direction I was given and tgat the call was recorded and got the modification. 


XX/XX/XXXX- Tried to pay directly from my wife 's 401K, was told it was no problem. Then, after calling everyday for over a month, found out they were trying to foreclose again. At this point ( XX/XX/XXXX) I was forced to file for bankruptcy to keep my home. 


XX/XX/XXXX- XXXX, I began a refinance with another lender. In XXXX, I still had n't received a payoff demand. In XXXX an innacurate payoff demand was sent on the XXXX. The WI attorney working for Flagstar refused to discuss this with me, forcing me to use my attorney at coat to me. 


Today a Flagstar representative said I needed to speak with the manager of my account that I did n't know I had, and had n't spoken to one time in ten years. She said she could not discuss my case even though my lawyer released them to speak with me and that my account manager was leaving the office and there was no supervisor available to speak with. Again I noted that the call had been recorded and may be subpoenaed in the near future. I received a call 30 minutes later from a manager that said he  emailed the VP of his department with all the changes I needed to be made to the payoff demand : *Change " good through '' to the end if this month ( XXXX ), originally the XXXX and not feasable at this point. 

*Indicate that XXXX payment was received, this was ommitted originally and made it impossible for the new lender to accept. 
*Return escrow to me so that I can pay my taxes, this amount was credited to the payoff total originally. 

My Grace period ends today, my new lender is not collecting XXXX or XXXX payment from me and I ca n't help but think that Flagstar is trying to bully me into staying or run a backdoor foreclosure on 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 2017-07-10
Company: ASSOCIATED BANC-CORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Associated Bank in MN is apply a lender credit based upon the rate chosen and calling it a " grant '' so that the funds can be applied towards the down payment required of the borrower. XXXX recently issued a statement that this will no longer be allowed. The lender credit for rate selected should not be considered a " grant. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Company - XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA turned over a debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

1. First there are two charges on the bill that I do not recognize and the medical company is illegally billing me services not rendered or administrative fees that I am not responsible for. 

2. The company issued this to a collection agency on the same day as the alleged charges were billed. I never received any form of communication from the Doctors office or any form of bill before they unleashed this debt collector on me. 

3. During the first call from the debt collector I was threatened with my credit being damaged.

4. On the second call I informed the individual that I was requesting proof of the debt and that they needed to cease and desist. 

5. On XX/XX/XXXX I was again called by this company in an effort to settle this debt. They asked for a much lower amount. I again stated that I had requested proof of debt and I was not going to pay anything. I again told the representative that I requested them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: GA
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:
I recently checked my credit and I noticed my reports for  XXXX ,  XXXX  and Experian contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows  :   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Experian :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also think that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were placed on several different dates.

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 2017-11-14
Company: CAINE & WEINER COMPANY, INC.
State: SC
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. I payed them literally over a year ago and they still have my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted to Experian two letters requesting validation of a debt with XXXX XXXX ( XXXX ). I specified my request for validation with proof of original debt and ink signatures. Experian claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from XXXX stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and one of the accounts on my credit file is no longer listed. 

XXXX is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. Experian has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.

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 2017-07-10
Company: EQUIFAX, INC.
State: GA
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:
I recently checked my credit and I noticed my reports for  XXXX , Equifax and   XXXX   contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  EQUIFAX  XXXX -  XX/XX/XXXX  Equifax : EQUIFAX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX  : EQUIFAX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also t hin k that it is strange that the multiple pulls from Equifax and   XXXX   XXXX   were  placed on several different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: MA
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: Didn't receive services that were advertised

Complaint:
Because of the Equifax data breach, my credit cards and personal information were stolen, unapproved charges were made on my credit card resulting in destroying my perfect credit. I am looking for full compensation plus damages and Equifax should be held completely liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXXXXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so XXXX. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There was a chapter XXXX bankruptcy filed in XX/XX/2013. There was an inaccuracy in the filing. I have requested the chapter XXXX be removed from my report multiple times. It has been removed from XXXX  and XXXX but is still on my Experian report. I would like for it to be removed from my Experian 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 2021-09-23
Company: CITIBANK, N.A.
State: CA
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:
Following the complaint ID XXXX submitted on XX/XX/XXXX in which

CITI bank cheated me on a {$3500.00} bonus regarding my savings account, now CITI has been resentfully revengeful by closing two if my credit cards, namely BEST BUY and COSTCO. I have never been late on payments for the two credit cards and I have always paid the balance in full to avoid finance charges and service fees ( may be that is something that CITI does not appreciate ). However, I have no regret and no sorrow not to be able to use these cards anymore and I would pay the balance of {$23.00} on my Best Buy card before
the due date. However, CITI is refusing to give my my rewards of about {$90.00} for the purchases I had been making beforeXX/XX/XXXX. The balance on the Costco card is about {$750.00} but I would like to have my reward bonus to be taken into the account before I pay the remaining balance, but CITI refuses to honor the rewards that I had earned using CITI card. This is outrageous and it is not fair.

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 2021-09-23
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan officer XXXX XXXX quoted me a rate of 2.5 % APR prior to the application but having all pertinent information for a refinance. ( My loan is already with HomePoint ) He asked that I fill out the application, and upload all my information.

After one day he called back saying he misquoted me because he ran the scenario as SFR vs. my condo. Although he had this information prior quoting me the rate.

After uploading all docs and review and many conversations and emails. We agreed to 2.625 % {$1700.00} in fees.

They quoted and said they locked in a rate of 2.625 % {$1700.00} in fees. One day later they said they cant honor it and will price the loan at 2.75 and {$1700.00} in fees. 

Classic example of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bb & t has charged me since XXXX  every XXXX {$14.00} for a service I do not use. 

XXXX XXXX XXXX XXXX managed by Bb & t, tried to contact XXXX XXXX several times, went to their branches personally and no one seems to know how to stop those charges from my business checking account for XXXX XXXX XXXX. 

I do not use or have XXXX, BB & T is short on staff and they either they dont have the time or desire to assist customers.

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 2018-07-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached to to Equifax several months ago to assist me in verifying information that XXXX XXXX had reported incorrectly to their buero. The 30 day mark has came and past and yet I have not recieved any results from Equifax where the dispute was conducted or finalized and how they obtained information. I have attempted to check the status of this using their online website, however, it never let 's me access the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
inaccurate information showing on my credit report. This is a FTC violation

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 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All my accounts placed with XXXX XXXX on a debt consolidation program. Walmart keeps selling accounts to new people. Last sale was XXXX. They have settled with XXXX XXXX. Should not have this derogatory information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Credit Plus Inc
State: LA
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:
customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Company =  Nelnet.    XXXX  My husband is  XXXX   XXXX  military. We married while I was attending the school for which these loans were obtained. The loans are at a 6.75 % interest rate. I would like to have the loans reduced to 6.0 % per the  Servicemembers Civil Relief Act. We contacted Nelnet on   XXXX  at  XXXX , they informed us that spouses are not eligible. However, on the  SCRA we bsite it notes that all dependents are eligible. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never 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 non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Revolut Technologies Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had difficulty using my debit card - transactions were declined both at merchants and at ATMs. The bank 's customer service kept asking to try again and again, with screenshots to show that the card is not working. They even asked me to go to a ATM right away or to make a purchase right now, when all I was asking was for them to send me a new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good day, on XX/XX/2021 I attempted to open a business saving account at a XXXX. branch of Chase Bank. During the initial contact all the requested information provided to the Chase bank associate. A check in the amount of {$5000.00} from my federal credit union placed in the Chase bank system. I obtained via U.S. mail an ATM card at my office address. I went to an XXXX branch near my business office to review my account. I was told my account was closed. Assigned customer service at an another XXXX branch and followed up as to why my account was closed. I had a discussions with the Chase associate and online review with Chase Bank Compliance department. XXXX. 
Stated they needed more LLC documentation. The requested items were fax XX/XX/XXXX. Informed the account was okay. A few days later informed the account was closed. I have attempted to get my debited funds returned to date. I need an answer why the account was closed and why my funds are not being returned. Requesting this information in writing. I am a XXXX owned veteran business which has me thinking this is a civil rights violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: ALLY FINANCIAL INC.
State: AZ
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:
I did not solicit this business for any product or service

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