BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-05
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to Amerihome Mortgage LLC ( loan servicer ) immediately after closing with XXXX XXXX in XX/XX/2018. The first payment check for {$2600.00} dated XX/XX/XXXX18 was mailed to the above servicing company on XX/XX/XXXX18. The check was debited in my checking accounting with XXXX Bank on XX/XX/XXXX.18. On XX/XX/XXXX18, I viewed my mortgage account with Amerihome online and found that no payment had been credited to my loan account. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer on XX/XX/XXXX18 and provided the copy of paid check ( see attached file " cashed check '' ). I was told that my complaint has been sent to Cash Dept. for research and I will be informed within 3 business days. However, I did not get any response. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer once again on XXXX18 and was again informed that they have not heard from Research Dept. and will inform me once they get the information. No information was received and I contacted the loan servicer again on XX/XX/XXXX18 ( attached " communication XX/XX/XXXX ' ) but no results of research were available. I requested for signing of affidavit for non-receipt of cashed check required by my Bank to claim the payment from paying Bank and sent the affidavit for signature on XX/XX/XXXX ( attached " Affidavit XX/XX/XXXX '' ). 
Till date I have not heard anything from the loan servicer. The signed affidavit is need by my Bank immediately to claim the payment from the paying bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Chase Card ( XX/XX/XXXX ) XXXX XXXX  ca ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: TX
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:
I have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Well I see funds but how ever just telling me that I have XXXX $ But send me checks blank. But won't give approval nu! bet and told me I don't have a account with XXXX XXXX  but my banks stated diff

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 2020-05-01
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
I applied for the XXXX XXXX XXXX card the first week of XXXX, XXXX. With the offer on my XXXX XXXX XXXX there was a offer of XXXX points after spending {$2000.00} in the first three months. Rather than apply through the app - I was concerned about cyber security so called AMEX directly to apply for the card. I stated my reasoning for upgrading related to the XXXX points offer. I was approved for the card and was expecting to see the points after i spend well in excess of {$2000.00}. When i didn't i called to inquire : I called on XX/XX/XXXX and spoke withe XXXX # XXXX case was opened and would be resolved within 4 weeks XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX AMEX is no saying the issue has been reviewed and resolved and since " THEIR '' call taker did not mention the offer in the " conditions script reading '' that the dispute is denied. The offer continues to sit on my XXXX XXXX - they have charged me the {$95.00} annual fee. I have been probably a XXXX year customer of AMEX and XXXX . I called because of the offer on my XXXX App - i referenced the reason when i called - because THEIR representative didn't include in the fine print reading - I am denied???? Pure bait and switch advertising -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
*****I DO NOT need this to be resolved, I don't want Wells Fargo to contact me. I just read the XXXX XXXX XXXXXXXX article, and thought I should share my experience as well. I don't want any contact unless Wells Fargo is offering me monetary compensation for the way they treated me. 

Wells Fargo informed me on XX/XX/XXXX, that they will be closing my account due to " fraud. '' I have had no prior notice that my account is being investigated for fraud or has any suspicious activities. 

I am a college student, and I use my bank account to pay tuition and for other living expenses XXXX food, subway fare, school supplies, etc ). I never even bought alcohol with my cards, so I don't understand why they closed my account due to " fraud. '' The only thing remotely suspicious is that my mom just wired me some money for me to pay my tuition, but that's about it. Another reason why is perhaps my mother is XXXX, but she has lived in America since XXXX, and I don't know how that constitute as " fraud '' either. 

I am now banking with a different bank, who informed me that Wells Fargo closing my account is purely their fault, and they would be happy to have me as a customer.

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 2017-01-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, Carrington Mortgage Services, LLC, purchased my Loan from XXXX While I was In dispute of it being an illegal loan. Before the final papers where supposed to be signed I contacted by phone CMS to not complete the transaction because of the dispute. But, HUD had already allowed XXXX to sell and claim the Insurance. I wrote to The CEO of Carrington explaining that the original Deed covered under the First time Homeowners program had restriction which were ignored in creating my loan, thus making it invalid. Carrington has also ignored these restriction. I am attaching the part of the the deed restrictions as pointed out to me by the director of the XXXX County Housing Authority which overseas the XXXX program. I also had a second mortgage with XXXX and after researching the restriction, released my Lien in full. I am also attaching a copy of the Lien Release. I have asked XXXX to release my Lien and now I am asking Carrington Mortgage Services, LLc to also release my Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient keeps adding and removing account balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one they did not have my correct contact information or name which cause me to not be contacted when my loans were out of forbearance. I was not notified until XX/XX/XXXX when o tried to enroll in XXXX school. I was told then that I had to pay {$500.00} to bring my account current. Once paid the account was never removed from my credit file and it still shows open. During XX/XX/XXXX until XX/XX/XXXX I was in school my loans still reflect late payments during the time they were to be deferred. I respectfully ask that these late payments XX/XX/XXXX=XX/XX/XXXX be removed and set current! I also would like loans older that 6 years be removed off my credit report as they are pass the SOL for the state of Ohio.I need this done as soon as possible as Navient is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Commonwealth Financial Systems, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to Commonwealth Financial in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I attempted to book a flight with Delta on delta.com. Delta runs a credit card promotion with American Express, which advertised that I could receive {$200.00} off my  flight if I applied for the account. I did apply, and was a approved. The {$200.00} credit was not applied to my statement. I called Delta, and they directed me to American Express indicating that they would give me a temporary account number to purchase the flight, and the promotional rate would be applied to the card statement. 

Delta then transferred me to the Amex customer service, where they claimed that since this was a new account that I would not be able to access or close the account until the next business day. This is a clear bait and switch promotion, and is extremely frustrating to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: TX
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:
I have mailed off numerous letters to the credit bureaus to remove incorrect information that is reporting on my credit report and the information is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry from BMO Harris Bank on XX/XX/2018 that I did not authorize. I contacted them to try and get it removed but they are not willing to remove it. It is hurting my credit score and and I need it removed.

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 2019-05-17
Company: CL Holdings LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX account became past due in XXXX and was sent to collections. XXXX it was removed from my credit report as charge off. It the re-appeared on my credit report under XXXX XXXX  and is reflecting a debt date of XX/XX/XXXX. When I called XXXX XXXX I had to call a different number to talk to anybody about my account because it was being handled by an outside source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capitol One Bank ( USA ) sold a balance of {$470.00} to XXXX XXXX XXXX. XXXX XXXX XXXX has been trying to collect this balance since XX/XX/XXXX. This is not my debt nor did I give Capitol One Bank ( USA ) permission to send my personal information to any agency or organization. Which is a violation under the FCRA.

Please take notice that this is a criminal investigation of the business practices of the above named organization or agency to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon false record in violation of U.S.C Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 471, 472, and 473 and or 513, and further : using corrupt business practices to make and posses false records and claim obligation, not substantiated by truthful facts in violation of the Ferderal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C 18 1961 et. seq. and further : using the U.S.Mail to to present such fraud and false instruments amounting to mail fraud, criminal conduct failing under Title 18 U.S.C 1341 - Frauds and Swindles laws, and further sending mail with fraud and fictions names, a criminal conduct falling under Title 18 U.S.C 1842 - Ficticious Names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reached out because I am unable to wait until XX/XX/XXXX for a replacement debit card so I reached out to Capital One. I was asked to verify my account which I did. I was then told I needed to verify my account via text. I never received a text so XXXX was unable to access my account. He asked for my last deposit amount which I gave. He told me it was wrong. It seems like I have a issue every time I try and use Capital One. They do nothing to address customer issues. Their XXXX and XXXX XXXX location ATM is always down. There's no accountability and no one follows up. I called the actual location and was told they don't have manager but " ambassadors. '' Well the ambassador never cared to follow up either. 

I am requesting a refund for the last ATM fee I received because of Capitol One 's ATM being down. I plan on opening an account with XXXX XXXX so I can receive a card instantly in the next few days if I don't receive the replacement card. Why does Capitol One not address customer issues and fix their faulty ATMs and unsafe lobbies? There are times where there has been human waste and trash on the floors in the lobby and Capitol One does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BARCLAYS BANK DELAWARE
State: CA
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:
called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf

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 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I contacted Transunion to advise that I had been a victim of their Inquiry issue. I contacted Transunion and they refused to remove the unauthorized inquiries on my credit report. I called on XX/XX/2018 and spoke with several representatives that were rude and would not address the issue or concern. I have also mailed a certified letter detailing the same information.

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 2022-08-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Good Afternoon, This complaint is being filed under the Fair Debt Collection Practices Act. It has come to my attention that Debt Collector LVNV Funding LLC, has unlawfully filed a lawsuit against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of {$3700.00} opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. LVNV has never made contact with me of any kind with regard to this debt. LVNV placed this debt on my credit report numerous times only to remove it when I dispute it and place it back on again, the most recent reporting to my credit report is on XX/XX/XXXX, after LVNV filed its lawsuit. LVNV has continued to harass me in trying to collect on this debt by continuously placing the debt on my credit reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Sequoia Financial Services
State: CA
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Seq Fin Servces 2XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I called my mortgage co. to ask what kind of disaster relief assistance they were giving their valued customers. I was offered the opportunity to refinance my loan from 3.875 % to 3.327 % as a permanent fixed loan. I agreed. 
On XX/XX/XXXX I rec 'd a letter from the underwriting dept. asking if I had a loan from XXXX for XXXX. The answer was no, I have not had another loan. On XX/XX/XXXX, I rec 'd loan doc 's to sign. I signed and returned, hoping to close quickly. I rec 'd a letter on XX/XX/XXXX saying we should be closing soon. 
I have been calling my mortgage company since those corresponded letters and no response. Finally, heard from a Senior Team Leader XX/XX/XXXX. He said he would check into the situation and never heard back from him. This has been a very confusing situation for me because, I financed my loan with this mortgage Co.in XXXX. How could an underwriting Co clear me for financing at that time if there was a loan in XXXX. I do not know anything about the loan in XXXX. Thanks for your kind consideration to this matter. Blessings!

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 2019-05-09
Company: SYNCHRONY FINANCIAL
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:
Sync Bank, Walmart, XXXX XXXX I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you Sync us my name and sale alleged account to XXXX XXXX, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed

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