BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy XX/XX/XXXX to keep from losing my home. I have been making my payments without a coupon and just sending the payments to the addresses that I have for the company. My mortgage is with Amerihome Mortgage. I finally received a statement that my mortgage has gone from XXXX to XXXX in addition to my paying the trustee XXXX per month. This has put an extreme hardship on my current financial state. I have requested a Modification package on XX/XX/XXXX and again on XX/XX/XXXX and was told that they would be sent to me and nothing has arrived. Additionally I had one representative to tell me that they couldn't talk to me because of the bankruptcy. My home is now worth XXXX and my loan is XXXX. I don't want a HELOC I want to modify my loan to make it more affordable. I am doing everything I can to keep my home and they are refusing to work with me. I want the documents sent to me so that I can begin the process. I know it is the mortgage 'company 's responsibility to try to work with me and they are not. They will send me information from their attorneys but nothing to help me to keep my home. Please assist/advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Synovus Bank
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a card with this company in XXXX. In XXXX I received a notice that they dinged my credit. I immediately called and they said when I opened an account with them they have a membership fee that I needed to pay. I told them i would send them a check and i did. They said I needed to pay {$29.00} for membership and {$29.00} for late fee and they would remove any negative reporting. I sent them a check for {$58.00} dollars that they processed and they responded by tagging me with another late fee and another negative on my credit report. Every time I call they say they will take care of it and its now XXXX the account has been tagged with 4 late fees and its being listed on my credit report as past due with a balance of {$120.00}. I have never used this card they advertise as a secured credit card to build credit. 
Everyone I have spoke to gives me the same responses and ask me the same questions. 
XXXX refused to give me an employee ID number and said it was against policy to give it to me. Which i am sure goes against CFPB regulation Last person I spoke to XXXX employee ID XXXX told me I need to pay the late fees and send a letter to have my account considered for adjustment to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: IL
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 dispute this info by phone and by certified mail last year. The last time I disputed inaccurate information was in XX/XX/2018. I received correspondence soon after that. They gave me a credit file number of # XXXX and a credit report with many inaccurate accounts and address. I resent all the items out today with the FCRA violations, my police report, and my FTC report. There are many items that should not be on my credit report. 

They even have my old two work address as a home address. One was a temp agency. I never ever received mail at these address with further let me know that someone has my information. I know Equifax has had a data breach but they are not taking my dispute serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Williams & Fudge, Inc
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am TOTALLY and PERMANENTLY XXXX. SINCE 2016 XXXX has been trying to obtain Perkins Loan details from XXXX XXXX XXXX ( XXXX ) in order to write-off {$2400.00} from XXXX University. XXXX refuses to send the write-off info. I am receiving COLLECTION CALLS and EMAIL from XXXX and XXXX XXXX which is a collection agency connected with XXXX and XXXX. I need your assistance to get XXXX ( XXXX ) to email the necessary info to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that

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 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
my complain is about Bank of America. when I open my account they told me there was no fee if I keep certain restriction. I have met them. one of two on my account I only keep to pay my insurance and the other one was keep the change account. I would transfer certain amount of money in the account that pay my insurance. my checking account met all the restriction that they require that they don't charge a fee. when I finally look on my statement I call them about the fees they told me that the fees started from last XX/XX/XXXX. if I did know about these fee I wound have close the accounts like I did today because I did not need them. I know I'm not the only one who is having this problem with the banking fees. they are having people open unnecessary accounts and turning around and charging them.

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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In approximately XX/XX/XXXX/XX/XX/XXXX a fraud alert was placed by MasterCard Because my credit card had been compromised. The card was temporarily closed and they issued a new one, which I received a week later.In the meantime I had to use my other credit card : XXXX, which I rarely, if ever, use. A few weeks later I received the bill to pay XXXX. Not being used to receive bills from XXXX, when I saw the envelope I thought it was advertisement so I threw it away as junk mail with the other junk mail. The bill was for approximately {$480.00}. After XXXX called me twice and made me aware of the lack of payment, immediately I wrote a check and sent it to them. I thought that was the end of it until my credit scores were affected significantly.I called XXXX, TRANSUNION, XXXX, XXXX and submitted disputes to no avail.TRANSUNION, especially, lowered my credit score significantly, About 100 points.. 
For many many years my scores have been nearly perfect ( In the 800s ; at one point it was close to the maximum score attainable ). My payments are always on time, except for this is with XXXX bill.The Credit companies have not considered my prior, nearly perfect credit scores, as a factor In my favor, so they lowered my score significantly ( from approximately 825 to XXXX- TRANSUNION ) ; the other Credit companies have similarly lowered my credit score but not as much as TRANSUNION . I request your help with this situation. Thank you 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 explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I had two tax liens that were satisfied and released on my credit report with Equifax. I faxed them the release from the IRS on both liens. The lien and the release has different numbers. Instead of updating the report and removing, they took the release document as a third lien and put it on my credit file as a 3rd lien. They made a mistake, I called 5 times today to fix it, was hung up on all 5 times. They refused to remove their mistake even though they admitted no one reported a third lien. Its their mistake, its a fraudulent lien they created and put on my file and refuse to remove. They all need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
About 8 months ago, I called my mortgage company because I was behind on some mortgage payments. I spoke to customer service from the mortgage company and that person stated that my account was on process of an assumption agreement and to hold making payments. After 3 months, I receive a letter from attorneys, hired by the mortgage company stating that my property was on foreclosure for lack of payments. I then called the mortgage company again and they stated that I needed to send more documents for the process of the assumption. They sent a form ( RMA ) which I submitted back to them over and over again because it kept getting rejected. Finally I spoke to a relationship manager, who then stated that they had been sending the wrong form and that was the reason the RMA form kept getting rejected. I replied that it wasn't my fault and because of that, everything was taking longer. I was told that I needed to download the form and fill out and send it to them. It took me awhile to submit since I have been sick and diagnosed with XXXX, I did not have the ability to fill out the form by myself and was just struggling completely to get this done with. Finally a friend helped me and the form was sent. To the day this has not been resolved and just one month ago I still had to send over the whole package again. I do not want my family or I to lose my home and this situation has caused me a lot of anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Experian continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.

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 2019-02-01
Company: JPMORGAN CHASE & CO.
State: DC
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:
I was flying from XXXX XXXX to Washington DC, using travel points earned through my Chase Sapphire Reserve Card, booked for Sunday XX/XX/2019. I found out about 8 hours before my flight, that it had been canceled in XXXX. Chase failed to notify me of this, and did not provide the airline my contact information, so they could not notify me. From what I understand, this failure to notify me is illegal. 

I tried to book new flights through Chase, but their international travel help line hung up on me several times on XX/XX/XXXX. I ended up getting alternate flights through the airline. However, instead of a direct flight with 5 hours of travel time ( which I paid a {$200.00} premium for ), I had a layover, landed in a different airport than intended, and had a 15 hour travel day.

I submitted a claim request to Chase for reimbursement for the premium I paid for this flight, extra cab fare ( my new flight landed after the metro closed ),  extra meals, and my time. However, Chase responded to me on XX/XX/XXXX and told me they would not do anything to fix the situation. Thus, I am reaching out to the CFPB. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;

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 2019-02-01
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
XXXX  has been contacted on three different occasions due to fraudulent information on our credit report. XXXX financed a car for my husband and me. Last year (XX/XX/2018 ) in XXXX the car was in a hail storm and totaled. XXXX paid their portion on the car and we had gap insurance, which covered the rest. The company put a balance owed of over {$2000.00} dollars on the credit reports for my husband ( XXXX XXXX ) and me ( XXXX XXXX ). We contacted the company asking for written proof of the amount owed on XX/XX/2018,XX/XX/2018and finally on XX/XX/2018. They have not only failed to send the appropriate proof of their fraudulent actions, they have caused our credit scores to plummet tremendously, negating our chances to purchase a new home. We are outraged at their lack of customer concern on this matter. Please help us! 
Sincerely Yours, 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 explanation
Consumer complaint received 2018-06-05
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 status incorrect

Complaint:
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX i received a XXXX transfer into my chase bank account for {$200.00}. Checked online banking and it showed it was available for use immediately. So I submitted a transfer request from my checking account ending XXXX to my other checking account ending XXXX in the amount of {$180.00}. 

XX/XX/XXXX chase alerts me that I received an overdraft fee for moving money from my accounts. I called chase and was transferred to XXXX levels of associates. They explained that zelle or quick pay has a cutoff hour XXXX hr earlier than every other transaction. Creating an hour where a client can technically overdraw their self. Chase is using this technicality to charge overdraft fees from clients that are n't aware of this XXXX hour of time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05
Company: EQUIFAX, 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 status incorrect

Complaint:
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record

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 2018-04-20
Company: EQUIFAX, INC.
State: IL
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:
XXXX denial of credit because i have exercised my rights under the cpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notified Experian of incorrect personal information. I also have called and they do not have live representatives. Their phone system routes you in circles without resolution or live help. 

My address is not showing correctly with Experian. They show an old address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. This incorrect address prohibits me from reaching them as their system is not able to validate me. 

In addition there are aka names listed that are not mine such as XXXX XXXX. 

They are also reporting that I have no active accounts but I have XXXX XXXX for a credit card and a car loan that they do not provide the current activity for. 

Please help me resolve this. My phone number is 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 2017-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check on XX/XX/XXXX, Check Number XXXX for {$390.00}. I got home and realized store misrepresented sale, called my bank at ( XXXX ) XXXX, requested they stop payment on the check, which had not yet posted. 
When it posted on XX/XX/XXXX, recalled Bank, told me I had to file a different type of claim. I went into my branch to sign documentation onXX/XX/XXXX and told Bank would not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: UT
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 with XXXX XXXX XXXX XXXX XXXX is showing that i owe a balance to XXXX state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to XXXX   XXXX this is not accurate and they have not yet updated this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been with Wells Fargo for over 22 years. I went onto the mobile app today and saw one of my accounts were closed without notice. So I called them and they confirmed they never sent out any notifications and just closed it on XXXX XXXX. They also said they can't reipen it. What options do I have? I know closing accouts affects a credit score and this was wrongfully closed. They said it was due to inactivity but if I was notified I could have transferred money into it. Please Help!

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