BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been paid down and the current loan-to-value ratio is below 78 %. I have contacted US Bank twice about cancelling primary mortgage insurance ( PMI ) for my conventional home loan. The first call was on XX/XX/XXXX and I was told I would be mailed information about the steps I would have to take. During this call, I was informed that if I did not take action, PMI payments would continue until XX/XX/XXXX, as this was the date I would have reached 78 % LTV, without making extra payments. I never received the information and I called US Bank again on XX/XX/XXXX to request the information be sent again. I was told I would receive the information within five business days, however I have not yet received it. I have made extra mortgage payments to reach 78 % LTV because it was my understanding that my PMI payments would end at that point. US Bank is making it impossible for me to end the payments. This is unacceptable.

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 2021-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid of my loan in full on XX/XX/2021 to Wells Fargo, they are still holding on to my escrow and overpayment of XXXX dollars. The automated system said the payment was sent on the XX/XX/2021, the bank said I should have it no later than XX/XX/2021. Its now the XX/XX/2021, they now are talking about business days, this is not the 20th century. No such thing as business days, mail moves 24/7. They are holding my money to squeeze interest out of it!! This needs to be stop, Wells Fargo does this all the time. Thats why I dont wish to do business with them ever again!! But they will not let me or my money go!!!!

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 2019-10-01
Company: EQUIFAX, INC.
State: HI
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:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX  XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: IN
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 denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, KXXXX XXXX  XXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.

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 2020-01-29
Company: EQUIFAX, 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 trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: SYNCHRONY FINANCIAL
State: FL
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:
On first trimester 2021, Paypal Credit closed my account, after many years of use.I called for reason to close my account..They said I had an unpaid balance of less than {$10.00}. I had a direct payment setup from XXXX XXXXXXXX XXXX for monthly payments. They said XXXX XXXX XXXXXXXX rejected monthly bills and they had a confusion about which one of my accounts at XXXX was setup for monthly payments. At that moment, I had a positive balance in ALL my XXXX XXXX XXXXXXXX accounts. so i did not understand this reason and explained to Paypal Credit that at least in goodwill, they should have given me a call BEFORE closing the account. This is a bank to bank situation which negatively impacted me, the customer. Also, at that moment, my Paypal account had positive balance but they said Credit and regular Paypal accounts are handled by separate banks. This practice is very confusing - since they use the same name PAYPAL and use the same webpage.

To resolve situation, in good faith, I offered to pay immediately the less than {$10.00} balance in order to maintain open my Paypal credit account older than 7 years.

Rep was unprofessional. I asked for a supervisor, explained all of the above again.

Supervisor did not offer any option. I said I wanted to act in goodwill, make immediate payment over phone, and keep Paypal Credit account, and that due to bank to bank confusion and Paypal Credit not giving me a call, I deserved a reinstatement of the account. Supervisor said that account was closed and there was NO way to reinstate or make active ever again ; that I would have to apply for a NEW account.

Paypal Credit is not acting in customer gooodwill penalizing a long time customer with a good payment history in more than 7 years, over a mishandling of AVAILABLE funds between 2 institutions that is totally out of customer control.

Will appreciate if you please review Paypal Credit account closing practices.

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 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed several accounts posted by XXXX , XXXX collection agency in my Transunion files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but Transunion continue to report accounts thatre not mine. 
XXXX , XXXX is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both TransUnion and XXXX , XXXX. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to XXXX , XXXX I was never notified of any collections by XXXX , XXXX or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that XXXX , XXXX had posted these negatives accounts on my credit report I disputed these accounts with TransUnion and I requested debt validations directly thru XXXX , XXXX. 
XXXX , XXXX had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that TransUnion favor they paid clients and really dont want to upset by requesting full verification from XXXX , XXXX. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that TransUnion had shown over the dispute process and collection agencies like XXXX , XXXX that reports inaccurate information without any consequences due to the loop holes in the laws.

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 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried disputing this online through the credit bureaus and Bank of America response was not accurate. The info reported was during the time of refinancing in which Bank of America was aware because I hired attorneys for the transaction which notified them accordingly. The time period reported is not consistent and Bank of America and I was represented by my attorneys. The delinquent payments are not accurate. Bank of America has reported some payment history as No Record and  some as 30 days Late. The This info is scattered over the years and not consistent which is completely false. Also, XXXX XXXX  has purchased my mortgage in XX/XX/2018 thru Bank of America. I don't understand why XXXX is reported ownership of my mortgage as if they were Bank of America. Bank of America is still reporting info to the bureaus as of XX/XX/2018. My mortgage was acquired by XXXX in XX/XX/2018. 

I am respectfully requesting that the Bank of America be removed from my credit report from each bureaus.

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 2018-12-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened up an account on XX/XX/2018 and it is only one account an they have have it listed as two synchrony bank accounts, I have attached a copy of my credit report and XXXX  is showing this, I want this corrected thank you.

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 2021-08-06
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a service member on XXXX XXXX in the US Military. I enrolled in a university for my XXXX XXXX starting in XXXX of XXXX. I contacted Navient to put my loans on deferment or hold as I am in school. I filled out numerous forms and Navient refused to put my loans into in school deferment. Navient only put my loan in forbearance but also put late feeds to my account. After 1 who year my loans still are not in forbearance or deferment. Even with multiple phone calls Naviant is not able to help. Naviant also has reported my past due for the past 4 months when I have sent them every document. I want them to remove my negative remarks on my credit and back date and remove fees an interest since I qualified for in school deferment starting in XX/XX/2020. This violates many federal laws including service members civil relief act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CMRE Financial Services, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX {$380.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CMRE FINANCIAL SERVICES  Reported : XXXX XXXX, XXXX {$380.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.

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 2017-11-20
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX XXXX have Tendered payments thereto Chase Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXXXXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXXXXXX XXXX. and XXXXXXXX XXXX. and XXXX at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: LA
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 have repeatedly over the past three years tried to get the three agencies to correctly report my FICO scores to lending institutions while I attempt to purchase a new vehicle. I was a victim of fraud by my ex-wife and I put a fraud alert over 5 years ago and I have tried and tried at least three times to get this removed to no avail. I provided them with copies of utility bills and my drivers license. The specific problems I have now are. 

Experian shows no score when others show me with scores over 700. 

Ive paid off a small loan that the company cant report because they say Experian wont let them. 

I got a secure credit card that my bank cant report to Experian. 

I had XXXX place a fraud alert on my account without my consent a day after I had it removed. 

Experian, XXXX, and XXXX are all reporting something different.

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