BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: AZ
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:
The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.

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 2018-05-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I need to reduce the credit limit on my HELOC due to divorce. 

I have had three phone calls with Chase. Each time I call, I get different information about the process to reduce or freeze the account. The last time I called, I was told it would take 15 days to get a form to me, and 15 days after that to freeze the account.

I feel that the bank is be obstructionist about freezing the account. I am two months into the process of freezing this account. 

I have never missed a payment on this HELOC. The balance is approx 94,000. The limit is currently XXXX. I want to reduce the credit line to XXXX. 

The bank is now asking for my future ex wife 's signature to take any action. I can not get her to sign. So now I am finacially exposed due to Chase bank 's inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: NJ
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 can't get no credit, I been trying to get credit for many years and always been denied, I'm a hard worker and make enough money to covers my debt.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the information that is being reported is cause by theft i have never applied for these accounts that is being listed.

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 2020-05-27
Company: Synovus Bank
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I opened an account with first progress credit card company in hopes to repair an fix my credit. Since i have had this card i have paid my bill on time and weeks before my bill is due and they continue to hold my payment saying that the bill wasn't paid i show on my bank statement that the money was taken out, i recently paid my bill on XX/XX/2020 showing it shows on my bank statement and up unitl now it has not been posted to my account even after i spoke with a representative telling they received my bank statement that i faxed over. Its now XX/XX/XXXX and there has still been nothing done to fix this situation with first progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AMERISAVE MORTGAGE CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I made an online application for a mortgage loan with Amerisave Mortgage Company that included payment of a property appraisal fee in the amount of {$660.00} through my MasterCard account. On XX/XX/2021, I received correspondence from Amerisave notifying me that my mortgage loan application was denied. I requested the name and contact information of the individual with Amerisave who has the authority to reimburse me for the unused property appraisal fee in the amount of {$660.00}. I received a voicemail recording and left a message. I spoke by phone with the application agent and was advised that the appraisal fee payment would be returned to my MasterCard account, that reimbursement has not occurred. 

I am requesting the assistance of the CFPB in requesting Amerisave Mortgage to return my {$660.00} deposit. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: College Ave Student Loan Servicing, LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXXsomeone tried to open up a fraudulent loan under my social security number at college Ave and XXXX I notified them that it was not me in the account was fraudulent and ask them to send me documentation to prove that the loan had been terminated in which I called on the XXXX XXXX XXXX XXXX trying to obtain documentation in which I have not received any and the company is not helpful whatsoever trying to clear up this fraudulent matter knowing that I'm the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple hard inquires on my experian report that show I tried applying for certain credit cards that I did not do. 

XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX -- Inquired on XX/XX/2020 XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX XXXX -- - Inquired on XX/XX/2020

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 2021-05-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested Experian, XXXX  and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.

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 2020-07-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX I attempted to make an internet purchase via the XXXX   classified ads. 
I paid {$600.00} to a XXXX XXXX ( XXXX XXXX ) for the purchase of a kite. Soon after verifying payment, the seller claimed he couldn't access the funds and wanted me to send more. I identified this as fraud and immediately called paypal. Paypal will ONLY process customer concerns via chat, they claim their phone systems are " down due to covid. '' With every line of text, I am sent to a new agent, no progress is made. This happened countless times. 7 hours with customer service provided no results. At one point I was told I would be transfered to a resolution center, only to be met with a new agent requesting the discussion be started from scratch again. When i requested a transcript of the text, as. per their website instructions, my call was transfered, then abandoned. 
I found the resolution center on my own, filed a request for review at midnight, and it was closed as " resolved '' minutes later. 
Logs of all calls and text between Paypal and fraudulent seller are available on request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I checked my credit file recently and noticed a drastic decrease. The decrease was due to a closed navy federal card. No one from navy federal notified me that my card was closed. Several months ago I was unable to use my card. A representative told me the card was closed temporarily and will reopen after 10 days. I still have access to the account information on my mobile banking but I am unable to use the card. I filed a complaint against navy federal and asked that a supervisor calls me but no one ever reached out to me. I am a XXXX XXXX and any drastic changes to my credit file and score will negatively impact my ability for any XXXX loans. I have filed disputes against merchants with navy federal and instead of investigating my disputes, baby federal closed those disputes. Those same disputes were filed with my other bank against the exact same merchants the same time I filed with navy federal. My other bank communicated with me by phone and email every step of the way. When new information was needed they called me to request information. They did their investigation which resulted in my favor. My funds were refunded back to me after their investigation was complete. Navy federal fails to do investigations. Instead they close the disputes and close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received the platinum card from Wells Fargo. The payments were being taken out of my checkings account monthly and on time. The company explained that I was approved for an upgraded card with a larger limit. The company closed the account because they said it was nit activated by me in a certain time frame. I did not receive the card to activate it. I have paid the full amount owed which was {$860.00}, and there is no balance due.

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 2020-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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:
On XX/XX/XXXX my USAA checking and savings account was hacked and {$400.00} was taken out via a XXXX transaction. The individual also attempted to open a credit card in our name but was denied. We discovered the issue within hours and called USAA to report it. The next day I was sent a message saying that no fraudulent activity was discovered and my claim was denied. I called back and asked for more information but was told I would have to have the fraud analyst call me within 3-5 business days. I never received a call and everytime I call USAA back they cant explain why no one has called me back and they tell they will resubmit the request and to wait another 3-5 business days. We have never used XXXX with USAA and did not authorize the transfer or attempt to open a credit card. 

As of XX/XX/XXXX we have no explanation of why the claim was denied and no recourse to take with USAA. The electronic fund transfer act clearly states that we are not liable for the loss of these funds. USAA will not explain their decision to us so far.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: AL
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:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

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 2018-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last XX/XX/2018, I sent a letter to this company as part of my rights to request debt validation. I clearly stated on my letter that I am not asking for verification that they have my name and address. I clearly requested that the account XXXX be verified and validated by providing me debt validation documents. It is now XX/XX/XXXX and MORE THAN 30 DAYS had already passed an I still have not received any proper validation document from this company which clearly is a violation of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Cash Call Mortgage in XX/XX/2021 and received a letter XX/XX/2021 that my loan would be transferred to a new lender. Sometime in mid-XX/XX/2021, I received two mortgage statements. One from Cash Call and the other from XXXX XXXX XXXX. Both statements were due on XX/XX/2021 and were nearly identical and had the same loan amount and interest rate. The only difference is that XXXX  did not include escrow payments. When I spoke with a representative from XXXX, they informed me that the loan was transferred to them on XX/XX/2021. When I spoke with Cash Call on XX/XX/2021, they are denying that the loan was transferred to XXXX and that there was no transfer of the loan at the time. Both parties were requesting payment of the mortgage on XX/XX/2021. I have spoken to Cash Call customer service representatives multiple times but no one has resolved the issue as to why I have two nearly identical mortgage payments due. I am now concerned because I believe that Cash Call could be committing fraud by collecting on my loan that was transferred or they may have released my private information to a third party. I have called XXXX and Cash Call multiple times to clarify the issue with no concrete response. As of XX/XX/2021, the issue still has not been resolved and Cash Call representatives have not informed me as to why XXXX has my loan info and why they are requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
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: Was not notified of investigation status or results

Complaint:
Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already spoke to this company and no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: U.S. BANCORP
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:
This account has fraudulent charges/balances that were not incurred by me. 
This card was PAID OFF In full in 2014, and I requested closure of this card. However, it appears that the card was never closed, and there is a FRAUDULENT BALANCE OF {$8700.00} reporting on my credit, which is NOT MINE. I didn't charge {$8700.00} on this card, and didn't know that this balance existed, as it DOESNT BELONG TO ME. I've repeatedly contacted the US BANK and informed them that these charges are not mine and this account shouldn't be on my credit in charge off status. They insist that they will do an investigation, and yet NOTHING HAPPENS, and this account continues to ERRONEOUSLY REPORT ON MY CREDIT.

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 2018-05-04
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX  and the Collection agency they use XXXX XXXX XXXX continuously ignored my forms and reports of the debt not being my debt and it was result of identity theft. They've added false debt to my credit report. XXXX claimed it would take 30 days to investifate and sent a letter in threee days saying it was my debt even after the proper forms were submitted such as my FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
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 belongs to someone else

Complaint:
I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on XXXX XXXX with my kids cause every time they check my credit they see this fraudulent account which makes me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on XXXX XXXX with my kids with covid 19 I am so afraid

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 2020-07-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did everything needed to prove that this was a result of fraud and not on my behalf and I was not alerted or notified of what transactions occurred. My phone was stolen as well as my email being hacked allowing authorization. I confronted the bank with these the minute it occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted repeatedly by Tower Loan of XXXX XXXX Illinois from various phone numbers attempting to collect a debt for a different XXXX XXXX. I have told them repeatedly that they have the wrong person and need to stop contacting me. The latest attempts to contact me were impersonating an insurance claims adjuster wanting to talk to me about a claim. The insurance claim impersonator was calling from XXXX which seems to be a Texas phone number and the caller said their name was XXXX.

Company response to consumer: Closed with explanation