BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
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 XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX, XXXXUnder Dispute XXXX  XXXXUnder Dispute XXXX  XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations

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 2019-02-28
Company: Avant Credit Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan from avant it has a problem on the start i told them to take automatic payment on my savings and they took it out on my savings they told me to call the bank but its not fix so i just decided to fix it by just paying the fee so it will be no problem since nobody claims the mistake. After that i pay it myself i cancel the automatic payment. So i paid XX/XX/XXXX no problem and i paid XXXX in XXXX no problem and by the end of XXXX i made another payment for XXXX. After that i kept on getting email that my XXXX payment is due and i called Avant to fix it because i made a payment already and they told me just ignore it and a week i received another email that XXXX payment is due i called Avant again and they told me ignore it because i made they payment already and i told them make a note because i dont want to get charged by a late fee. Now it happens they charging me {$38.00} something for a fee that i dont know anything about it and even though them they cant figure it out. This is not fair and this look an overcharged on what they doing and its not fair. For 3 months no late fees and now they will charged me. I spoke to Supervisor name XXXX she dont even know anything about it. I hope that those people that have account with them to check their account before making a payment. {$38.00} is alot of money and they will get it for just like that. Please help me on this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
They gave me a payment schedule n the amounts in writing prior to me signing up with them! I told them I get my SSDI on the XXXX each month n their payment schedule reflected that! I made the 1st payment ahead of time, thinking that I set with them! They changed the dates of my first payment to the XXXXh after being very clear about my payment dates!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I got a card issued through work and have had no issues till about 3 months ago. The card company is called money network. My card was declined while at a store but I had other means of payment and thought nothing of it. XX/XX/XXXX I attempted to use the card yet again to pay for college textbooks and other bills but was declined again. I called the company and was told my card was on hold, they never told me the reason, but told me to fax over my identification issued from the government, my proof of residency and my social security. I sent them out on Tuesday XX/XX/XXXX around XXXX or so. I called again the XXXX because my card was declined again. They said my ID was blurry. I sent my ID out on XX/XX/XXXX at XXXX in the afternoon. I called later that day. The card company told me they never received any of the faxs and that I needed to fax all three again. I asked to speak to a supervisor and he claimed it was just my ID, so I faxed it again XX/XX/XXXX at around XXXX. I called pretty much every day sense and have been told multiple things regarding why my card was still on hold. Several supervisors and customer service representatives have told me misleading information or left out information that would have helped me. I attempted to close my account and get a refund issued but they refused. I asked for documentation as to why it was on hold and they refused. Have not been able to use my account since around mid XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: E MORTGAGE MANAGEMENT, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were charged loan amount points we never discussed or agreed upon totaling 2.546 % of the total loan, {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-09-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander keeps on adding additional fees to my account and I have tried to have them fix my account but they keep delaying it and adding more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle mortgage paid my XXXX Property tax after I paid it. This has always been non escrow account. They mailed check on XX/XX/XXXX without notifying me they were doing this. 
They have been playing me along trying to get their refund back from XXXX Tax dept. each time I call with exact procedure for their refund they say they spoke to someone at XXXX tax & their refund would be 2 weeks. It is now almost a month no refund because they did not follow the procedure & not speaking to the person in charge. They want me to a ) pay them the thousands $ $ & they will eventually refund me when they receive their $ or b ) pay my mortgage plus over {$2000.00} each month to pay them back. 
Help. Never missed a payment in 21 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: OH
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2019-02-20
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I refinanced my house in XX/XX/XXXX. Kentucky Housing Corp. reported that I was late the payment for that month. The loan was paid off in XXXX. I called KY Housing and talked to them about what was on my credit report. I was told to dispute what was on my report and they would fix it. Well XXXX was fixed but they reported me late for XXXX XXXX. The loan is paid off so they shouldn't reporting anything on my credit report because the loan was paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank " closed '' my account, however they have not stopped accepting my payments and apparently still want to keep our relationship around long enough to get paid. That's fine. Well I want to view my transactions and account activity. 

Citi Bank closed my Mastercard out of retaliation and revenge earlier this year. They then locked me out of my online activity and will not allow me to access the card activity that had already occurred. 

If Citi wants me to continue making payments on the balance due, I want to continue to be able to see what it is I am making payments on.

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 2020-09-03
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was sent multiple ( at least five ) ads to open a savings account with Citibank and was promised frequent flyer points and a 0.75 % interest rate ( apy ). Immediately upon depositing the money they set my rate to 0.5 %, 2/3 of what was promised. I consider it false advertising and fraud. 

I called them and they said they have the right to change interest rates anytime they want. I've told them they have to honor what they advertised since it was on that basis that I opened the account.

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 2020-10-26
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SunTrust Bank holds the mortgage on my home ( XXXX XXXX XXXX, XXXX, NC XXXX ) During construction of my home I needed extra funds to add another building on my property for my elderly mother. I was given a {$300000.00} deed of trust from Sun Trust ( XX/XX/XXXX ). Upon closing on my property ( XX/XX/XXXX ) The deed pf trust was paid off and rolled into my conventional mortgage. I am in the process of refinancing my home and during the title search it was discovered that the deed of trust was never removed from my home 's title. SunTrust has provided me with the
confirmation that the deed of trust was paid ( Satisfaction of Security Instrument ). Unfortunately it was filed incorectly in XXXX County ( i live in XXXX County, NC ) and tied to my previous home. 
I have tried for over a week to get in touch with someone at Sun Trust who can remove the lien against my home at XXXX XXXX XXXX, but I have been tols that it has to go through the lien research/removal department and that unit can only be contacted via e mail or registered letter. I have sent multiple e mails with the original deed of trust and the satisfaction letter to the lien department e mail and have had no response. I can not refinance my home without this issue being resolved.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX  XXXX XXXX XXXX which is a very serious violation of the Fair Credit Reporting Act. I have a proof showing that. I have sent a letter to Experian on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Experian has still not replied to me and keeps reporting this inaccurate account to my credit report. In addition of being re-aged the XXXX  XXXX XXXX account shows others inaccuracies such as incorrect high balance, incorrect credit limit and incorrect payment history. How can I be late and on time at the same time? how is this even possible? It is obvious that the XXXX  XXXX XXXX account is inaccurate. Experian had more than 60 days to investigate but it has not done anything. I have attached to this statement the usps returned receipt signed by experian on XXXX XXXX and a copy of my credit report showing the inaccuracies on the XXXX  XXXX XXXX account

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 2021-04-12
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:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Durham & Durham, LLP
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company called Durham and Durham sent me a letter a couple of months ago about a bill that I was unaware of. I sent a letter to them requesting validation of the debt in XXXX through certified mail that the company received on XX/XX/2021. I did not receive validation of this debt. However, the company sent me a typed out letter filled with typos and also that included a HIPPA violation with a procedure code and diagnosis code. I am not sure how they received this information, but this is definitely a HIPPA violation of my privacy rights. I have attached the document to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company stated in their last comment that they tried to contact me. I do not recall receiving phone calls from the collection company. There are a lot of telephone scams trying to collect money from the elderly. I do not answer strange numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: MA
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:
This was a credit account with Chase that I had for 15 years. The card recently had a XXXX  balance. I did not use the card for some time and I come to find out that they closed the account without any notice to me whatsoever. 

Given the long-term implications of credit account closure on an individual 's credit rating, doing this to a customer with no notice and no option to intervene is completely inappropriate and in fact, punitive. I will have to deal with the impact of Chase 's decision on my credit report for nearly a decade and I've done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CASHCALL, 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: Account status incorrect

Complaint:
On XX/XX/2020, upon review of my XXXX  credit report it noticed that CashCall was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; CashCall 's response was to add to 30 day lates to my credit report which is inaccurate. 

This is an illegal loan, and CashCall was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CBC Companies, Inc.
State: NJ
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:
Hello I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that should not be listed. 
The inquiry was made by Factual Data/XXXX on XX/XX/2018 and I have no recollection of doing any business with Factual DataXXXX. I did not consent or give any authorization for my credit report to be viewed by your company. 
Please investigate these inquiries, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
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 made numerous attempts to reach out to Chase Bank on multiple occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, Chase Bank has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with Chase, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by Chase. I solely use this account to make credit card payments for my Chase business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to Chase 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to Chase multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with Chase continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted Chase Credit Reporting multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XXXX XXXX XXXX XXXX XXXX and I encourage Chase to review the call if necessary. Given that Chase acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to Chase 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
US Bank employee in XXXX, Iowa giving out account information to unauthorized people. Violating my privacy and many others. At minimum unprofessional but also illegal and further action my be neccessary.

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