BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Everything started around the end of XX/XX/2017. We met XXXX at an open house where we also met the agent, who would then became our real estate agent. We were working with somebody else but the agent made us understand that would've been easier to work with somebody she knew, and that XXXX worked for a really good company and that he could help us get the loan we needed to buy the house of our dreams. Everything started few days later : we provided him with info he needed to start processing the request for our loan. Short after that, he gave us the pre-approval letter, with the loan amt we were approved at, an appealing interest rate, a down payment amt.. Everything we needed to start shopping for a home. We found a home. Everything was going OK until he sent as the final documents, I believe it was the good faith estimate : but wait, a few information were NOT what we got disclosed at the beginning.. the interest rate went from 4 % to 7 % .... When we have requested explanation on why that happened, he told us that our case was different. I asked in how come this is coming up now at the end, when she knew that case was a little bit different.. At the point our communication broke up. He started by saying that we could sign docs with that interest rate, and 6 months later he could refinance me at a much lower interest rate, and that was good for me, as he would have been a much higher tax deduction. 
From that point we had to look for a new lender and honest one. 
P.S. At the beginning of the all process, I even recommended him in to a friend of mine and guess what? she call me a few days ago and without knowing what happened to me she told me that it happened to her too. 
Sorry, But I thought I was dealing with a shark, and I do not gamble my money and my happiness..

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 2022-09-02
Company: EQUIFAX, INC.
State: AZ
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 is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.

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 2022-09-02
Company: EQUIFAX, INC.
State: AZ
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 is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/22 I submitted a application to request assistance from Planet Home Lending due to my FHA loan being in default because of COVID-19 and loss of employment. I was told by XXXX XXXX in the Mitigation Dept that I was not eligible to receive assistance because documentation was not received and that I have insufficient income to reinstate my loan account. I have a FHA loan that specifically states the following : Recovery Home Retention Options and ( 1 ) COVID-19 Recovery Standalone Partial Claim ( a ) Eligibility states, The Mortgagee [ your mortgage company ] must ensure that : the Borrower indicates they have the ability to resume making on-time Mortgage Payments ; and the Property is owner-occupied.

No documentation is required. See the attachment FHA Center. According to FHA, To receive a COVID-19 Recovery Loss Mitigation Option ( COVID-19 Recovery Option ), the Borrower does not need to provide the Mortgagee with documentation to prove that they can or can not resume their Mortgage payment or that they can or can not make the modified Mortgage payment, aside from affirming that they can or can not make those monthly payments. 
My Documents was uploaded to their online portal on XX/XX/22. They then advise me my application was denied bc of failure to submit documents. 
My mortgage company refused to grant a Standalone Partial Claim on my behalf to stop the foreclosure sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
As a victim of identity theft I have frozen the credit reports for myself and my wife several years ago. I was excited that I can now do the same for my minor child as part of the new law. This Minor Freeze should be free. 
With some difficulty I have now accomplished this with XXXX  and XXXX. However, I have not had any success with Equifax. They have the wrong information on their web site, which has been linked to in countless publications at : https : //assets.equifax.comXXXX   This link says to mail the paperwork to XXXX XXXX XXXX XXXX, GA. When I did this on XX/XX/2018 they rejected my request. They sent a nonsensical letter dated XX/XX/2018 that said I needed to send all the information I had already sent along with a fee. They also suggested I send to a different XXXX XXXX ( XXXX ) also in XXXX. I have called them several times in XXXX and XXXX, most recently, XX/XX/2018. Each time they tell me this address is wrong, and give me various other addresses to use, most recently XXXX XXXX XXXX in XXXX. They also tell me the proofs listed on the same form online are also wrong or incomplete. 
I believe they are making no effort to comply with this very important federal law because they have not even bothered to change the link to the PDF on their web site for this important process ( https : //help.equifax.comXXXX ). It has been two months and they have not bothered to fix this data on their site. They have also promised to call me back from a manager and have not done so. 
I am certain others have encountered the same difficulty I have. If they won't respond to me perhaps they will respond to your regulatory agency. Please help, I do not feel confident mailing our personal documents again to this company when they can not even get this basic information straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I did try to open a checking account with Bank of America, I tried online and I was able do it it, after 2 dias the account was closed, I call the customer service and they told me to go to the bank, I went to the bank and was told that I needed to open a new account because the account I had opened online was already closed and jurying couldnt be done. I did open a new account with XXXX XXXX ( so lovely ), then after 2 days this new account that I opened in inside the bank also was closed. 
I tried to call more then 10 times and nobody was able to explain me why the accounts was been closed and my money got frozen. 
Nobody was able to explain anything about it. 
I did show all my IDs and prove or name change when I went to the bank and open the account with XXXX XXXX, that proves that is. O way to be fraude on that. Im Still Waiting to have my account reopened and my money back. 
I had my money frozen in the 2 accounts that I tried to open, Bank of America ask for a {$100.00} deposit to open it. 
I really appreciate if someone can help me With that since the customer service wasnt able to.

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 2022-09-02
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Loan Depot ( or MTH Mortgage ) on XX/XX/2022 and was sent a loan estimate. On XX/XX/2022 I received our closing disclosure and the fees were much higher. I emailed Loan Depot and pointed this discrepancy out and they told me that those were the fees. They would not honor the fees that were quoted on our XX/XX/2022 estimate. We needed to close on the property so we paid the fees at closing. We were required by the builder, XXXX XXXX to use their lender ( Loan Depot or MTH Mortgage ) and opted to use their preferred title company so the fees that were quoted should have been correct since they work with each other on the majority if not all of their home sales. 

Quoted on XX/XX/2022 : Title endorsement fee - {$60.00} Title search fee - {$170.00} Title settlement/closing fee - {$390.00} State Tax/Stamps XXXX not quoted any fee State Transfer tax - {$1700.00} HOA Capital Contribution - {$1000.00} Title owner policy - {$550.00} Charged on XX/XX/2022 Title endorsement fee - {$120.00} Title search fee - {$200.00} Title settlement/closing fee - {$650.00} State tax/stamps - {$1100.00} State Transfer tax - {$2900.00} HOA Capital Contribution XXXX {$1400.00} Title owner policy XXXX {$930.00} We don't feel that we should have to be the difference in what was quoted and what the actual fees were since we were not aware of what these fees would be until Loan Depot sent us the estimate on XX/XX/2022, after we applied for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally Financial was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. Ally Financial never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via Ally Financial website and Ally Financial customer service phone line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( UCB ) acting on behalf of XXXX contacted me between XX/XX/XXXX-XX/XX/XXXX to settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to UCB. 

My credit improved. By XX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX, this debt from XXXX reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either XXXX is mistaken or UCB has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM UNITED COLLECTION BUREAU ( UCB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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: Account information incorrect

Complaint:
XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed immediately.

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 2019-11-12
Company: WLCC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/19 I applied for a loan in the amount of {$1000.00}. I was approved, I however needed more time to pay the loan back. I was unable to make the full payment on the first payment and the company worked with me. However I was unable to make the XX/XX/XXXX payment and asked to extend it to the XX/XX/XXXX payment. I was granted this. I have looked hard at my finical situation and am seriously thinking of filing for bankruptcy. I have notified the company via email and have not heard a response yet. I am very concerned about my finical situation. I however had thought while making payments I was paying down the balance but it turns out I have not and it is just an extension to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: MN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-12-03
Company: INTERFIRST MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Interfirst Mortgage Company failed to credit my account ( loan number XXXX XXXX with my XX/XX/XXXX payment. I have contacted Interfirst and XXXX on more than 9 occasions between XXXX. I requested the matter be raised as a formal complaint on XX/XX/XXXX by XXXX at XXXX local time. 

As of today, XX/XX/XXXX my account still does not accurately reflect all 5 payments made on my mortgage ( XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XXXX I spoke with a representative who said she recognized my name from recently having journaled my first payment ( sent to Interfirst ) from Interfirst to XXXX. I subsequently received a statement dated XX/XX/XXXX showing a payment of {$2700.00} credited on XX/XX/XXXX. However, I then received a statement dated XXXX reflecting a reversal dated on XXXX. Despite calling 6 more times since that date the problem has still not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: WI
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-10-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Called Chase to close checking account on XX/XX/23. got a secure message on XX/XX/23 stated the account was in the process of closing. I'm aware that if the fund is grater than {$1500.00} It'd take longer to process. today is XX/XX/23, almost two months, still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Was not notified of investigation status or results

Complaint:
I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
HSBC 's behavior is illegal. HSBC has violated regulations. 
Please HSBC to abide by the regulations and safeguard the rights and interests of customers. 
HSBC should immediately submit a dispute appeal to the store for me and ask the store to submit supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  accounts listed has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -XXXX XXXX XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed on XX/XX/2018 by Chase Auto Finance. I I called the bank and offered to redeem the loan and get my car back but was told to call back after 24 hours.

I did call back after 24 hours and every 24 hours for the next ten days before I was provided a redemption amount and methods of payment. I was also asked to pay {$15.00} per day storage fees for the ten days the car had been with the repo company.

These ten days of storage came about through no fault of mine but the bank still insisted I was liable for the storage fees. I offered to pay off on the same day the car was repossessed but the bank took 10 days to allow for redemption and then asked me to pay {$150.00} storage fees for those 10 days. 

This is exploitative and sounds like a scheme between the bank and the repo company to rip off customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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 is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

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