BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
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:
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with XXXX XXXX  XXXX XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to CitiBnka, NA ( CBNA ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.

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 2020-06-29
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I met a seller on XXXX  who promised me goods if I paid him. I paid them using Cash App and once they recieved the money, they blocked all forms of communication with me. 

I have no personal information of the seller and cash app will not reply to my emails. I tried back charging the money XXXX {$800.00} XXXX but cash app settled the dispute in the seller 's favor because he told them " it was a money transfer ''. I have evidence and proof that we agreed an exchange of money for goods and even in the payments on Cash App, I specified the money was for goods. 

I am down {$800.00} and can not contact Cash App because they closed my account due to trying to backcharge the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX XXXX mortgage loan on my sole residential property. The mortgage servicer is JPMorgan Chase Bank. In XX/XX/2020, I requested in writing to Chase a forbearance on my mortgage loan for an initial period of 180 days under the CARES Act. I attested and affirmed to Chase that I am experienced ( and am still experiencing ) financial hardship caused by the COVID-19 emergency. 

Chase automatically enrolled me in a 90 day " mortgage payment assistance program ''. Chase informed me that all missed payments are due at the end of the 3-month period. Is Chase allowed to ignore my request of 180 days forbearance under the CARES Act and demand a lump sum payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Midland credit funding has collection of XXXX from one of three credit loans that was taken out fraudulently. On XX/XX/2016. I had two security breeches that are one record I just found out this was fraud I never looked into my credit until now that I found out someone was taking out loans. I filed a dispute which I attached and my security breeches and my theft.gov report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
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:
I transposed two numbers in my account number when filling out my direct deposit for my tax refund. The deposit was sent to the bank XX/XX/XXXX. I discovered the problem and called the bank XX/XX/XXXX. I was told if the money went into the wrong account, it could not be taken out of that account. I then spoke to a manager who told me there was no account with the numbers I had put on the direct deposit, so the money would go back to the originator. Today, XX/XX/XXXX, I found out the money did not go back, but had been put in another account by Capital One. Capital One now refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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:
I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My available funds said I could transfer {$87.00}, so I did & my balance was XXXX after that. 2 days later, I have a {$36.00} overdraft fee and was told that I didn't have {$87.00} to transfer, that I only had {$80.00} so I overdrafted. Why would it let me transfer money that they say I didnt have? This is the second time this has happened, the first time they charged me 2 bounce fees. I am owed {$100.00} for fraudulent fees. I have gone as high up as the corporate office and they refuse to do anything. BB & T XXXX XXXX, XXXX, FL.

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 2018-08-07
Company: Experian Information Solutions 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:
XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX experian are using unfairl pratices to ftc vilation and fair credit report act an hippa

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 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i closed a checking account on XX/XX/XXXX and it has not closed yet with a promise it will close in three days at least once a week.received a promise today

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 2018-08-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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 was told by a rep over the phone with American Express that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via American Express website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to American Express asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been charged a {$40.00} fee every month and when inquired with the company the provide no answer or explanation. I have gotten it was for a late payment in XXXX of 2020. If that is the case it would be paid the first month and then gone off our statement. I have spoken to many employees to no avail. And now they have not returned our calls. I just submitted a written inquiry in regards to it as well. We have now paid 11 months of fees with no explanation of said fees

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 2018-11-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of a past due mortgage payment for my home loan on XX/XX/2018. To be clear, I ALWAYS pay my mortgage early, and was very concerned about this notice. At that time I went online to view my account and noticed a posting error made by Mr. Cooper going back to XX/XX/2018, which applied my entire payment as an additional principal payment. I contacted their office and spoke to a CSR who indicated that this would be resolved, AND my late charges would be removed. This correspondence took place on XX/XX/XXXX, and still nothing has been fixed. I am now seeing that my XX/XX/XXXX payment is past due, and I was assessed yet another late fee!!! The Credit Case Number is XXXX. 

Additionally, I have called the XXXX number on Thursday the XX/XX/XXXX, told the office is closed and would be open on Saturday, Called Saturday, told the office is closed and will be open on Monday. Called Monday, told the office is closed and will be open on Tuesday. 

I am disgusted with the level of service this company provides. I have now been assessed over {$240.00} in late fees, company will not call me back. Office seems to be closed all the time. I am VERY concerned about my credit being impacted and the late fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
History : My mother passed away in XXXX, leaving a home and mortgage to my brother & myself. After her money was depleted, I personally began making the payments until I could no longer financially afford the payments. Due to the recession, the real estate market has never rebounded where the house is, plus it is overbuilt [ 7500 sq house on 18 +/- acres with private lake in rural area ]. Upon ceasing payments to XXXX XXXX [ XXXX or XX/XX/XXXX ], the loan was assigned to Bayview Loan Servicing , LLC. Bayview is a collection company. However, I have been completely up front with them, requesting a deed in lieu. Upon my brothers death, his 50 % was left to his XXXX adult children. It was discovered than XXXX nephew has a large judgement against him. I immediately notified Bayview that a foreclosure would be necessary. In XXXX, I was told everything was fine for the deed in lieu. After a more thorough title search, Bayview discovered my nephews judgement. I provided the necessary info to allow nephew & Bayview to communicate, so Bayview 's legal team could negotiate with XXXX XXXX regarding the judgement. Nothing has happened. Bayview has not maintained the property, yard, etc. I have still been paying the utility bills. My & my nephews emails are not responded to, nor are calls. The property looks quite abandoned. Bayview has not followed the promised procedures, etc. 
I have never had any credit problems, so have no knowledge of the processes. I do believe that 1 and 1/2 years is TOO LONG for this process to take. 
XXXX XXXX # XXXX in the name of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX ; Bayview Loan Servicing loan # XXXX ; current contact is XXXX bayviewloanservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX purchased my account from Cash Central. I took out several online loans through Cash Central and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from Cashcentral.com 's website which show that none of my loans are past due and I owe nothing. 

XXXX XXXX XXXX has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: FL
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've called all 3 credit bureaus about these hard inquiries that appeared on my credit score.  I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

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   >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 non-monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: FL
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've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

XXXX  >XXXX >XXXX >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX >XXXX Equifax >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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: World Acceptance Corporation
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had requested an extension on monthly payment For world finance in XXXX Missouri and signed a paper for a 3 month extension. About a month later I got a call from them asking for payment. I told them that I was aware of an extension until later and they said it was only a months extension and requested immediate payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I received a XXXX title loan for my XXXX XXXX. One of my family members was XXXX and I took out the loan to help that family member get out of XXXX. My family member got out of jail and didn't pay me back the funds that he assured me that he would return. These same funds were supposed to pay my title loan back. My loan was due on XX/XX/XXXX. ( Today is XX/XX/XXXX ) I've recently been terminated from my job further preventing me from paying my loan. I advised the title loan company that I'd like to just voluntarily surrender my vehicle ( which still runs ) and allow them to redeem the vehicle for whatever it is valued at. My vehicle is currently valued at around {$1200.00} at this point. XXXX XXXX XXXX advised me that they didn't want the vehicle and advised me that if I returned the vehicle then they'd just let it sit in front of the store. I advised the representative that I understood the process and that if there was a remaining balance that I'd try to settle it once the vehicle was sold at auction. The representative confirmed that they didn't want the vehicle because it's in their best interests to allow interest to build up on my account. I advised the representative that once I surrendered my vehicle then the interest should stop accruing to which the rep responded that that's not always true. I advised representative that these are predatory practices. Representative told me that he didn't have anything else to say. Advised representative to cease and desist with calls. Representative told me that Cease and Desist laws doesn't apply to my loan. Representative 's name is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax ref : XXXX XXXX XXXX you are the only one showing this account on my report there was a fraud alert posted filed with all gov doc s this account is under protest and has been FCRA section 623 and FDCPA 806 { b } state that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit file in which I have disputed with you for over 6 months. according to the Fair Credit reporting act section 609 { 8 } { 1 } { A }, you are required by federal Law to verify- through the physical Verification of the original signed consumer contract any and all accounts you post on a credit report .otherwise, anyone paying for your reporting service could Fax -email in a fraudulent account.I demand to see Verifiable proof { an original consumer contract with my signature on it } the other reporting companies could not produce this and removed it } .your failure positively very this account has hurt my ability to obtain credit .under the FCRA, Unverified accounts must be removed as the other credit companies have. you have on file all documentation government and police reports to handle this matter and remove this account, account does not state in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, XXXX XXXX XXXX, have not had an updated Experian credit score/file since XX/XX/2018. I have asked for updates with the company directly and no one contacts me back as they say they will. I am trying to buy a house and my credit score is the same as it was 2 years ago when I have been working diligently on my credit. I have not been able to keep up with debts and they have now grown as I found out today.

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