BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Select Portfolio on a short sale of my property. My attorney and I have called numerous times and been told they are working on it. The relationship manager for my account is never available. I think that the lender is intentionally delaying the review and acting in bad faith. 

Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Bread Financial Holdings, Inc.
State: AZ
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:
On XXXX XXXX this credit card was paid in full. The credit card company charged an interest fee on a {$0.00} balance which went unacknowledged and turned into 2 late fees. The company stated they would remove the late notice from the credit bureau but never did and again charged another interest fee on a {$0.00} balance. Due to this issue, I again asked them to remove the late notice from the credit bureau and to close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
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:
I have had a checking account at Citibank for more than 2 years. In XX/XX/2021, I made a transaction through citibank with XXXX, an agency managed by XXXX. in less than an hour cancel the transaction. XXXX never reimburses me part of the money. I made the claim with them without results. They never responded. They tell me the money was refunded and they didn't send me a refund receipt. Then I started the claim with citibank and even to date I have only been able to recover only half of the missing amount. citibank asks me for documents that I have repeatedly sent them. and they don't give me my money back. I don't know where my money is and nobody knows where it is. What else can I do?

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 2019-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX   XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX  XXXX DPEDXXXX   XXXX DPEDXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXXXXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX-Account # 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 2018-08-10
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Mr.Cooper/Nationstar Mortgage is being foreclosed on. I have not received any statements on this mortgage since XX/XX/XXXX. I mailed a letter to Mr. Cooper on XXXX XXXX I notified them that the balance they has was correct and specifically which payments they were stating they have not received. I requested a current itemization of that account. I received a letter in the mail in XX/XX/XXXX notifying me that my payment amount increased in XXXX and I was never notified until that date that the payments were incorrect or a statement. They stated that in XX/XX/XXXX my payments increased from the XXXX to {$1000.00} and that in XX/XX/XXXX they payments would increase again to {$1100.00}. In the paperwork they sent a paper that said my mortgage had been transferred to them in XXXX. This paper noted that my Principal was {$160000.00}. My mortgage principal was {$140000.00} on the original note that closed on XXXX XXXX. My original P & I was {$930.00} & escrow was {$150.00}. I asked Mr. XXXX XXXX from loss mitigation with Mr. Cooper on XX/XX/XXXX and I asked him why my principal had went up. He stated it was because of escrow, which I could not understand because I thought that amount was not added to the principal. I also asked why I was not mailed statements and he said that the post office returned the mail they sent. Which I also thought was funny because I receive the loan modification information but never a statement. 
In XX/XX/XXXX I was four payments behind. I made two online payments on XXXX XXXX and I then mailed two checks to completely catch my payments up. These payments were sent back to me. This would have caught the payments up that I was behind. I contacted Mr.Cooper/Nationstar Mortgage to ask why they sent the payments back and he said it would not have cured the default because of the difference in the payment amount that started in XX/XX/XXXX that I was never notitifed of. The balance of that amount would have been {$980.00} due to the change in payments. I asked to pay the past due balance to Mr. XXXX which would have been up to XX/XX/XXXX {$7100.00} with the balance from the months that included the payment changed. He stated that I would have to pay lawyer fees now. The balance they had was incorrect. I spoke with XXXX with Mr. Cooper to get a reinstatement amount which was {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a previous account with Chase that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded XXXX XXXX XXXXXXXX with the Veterans Affairs. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to Chase. I would ask that you remove any blocks from my account so that I can reply for another credit card because I was hoping that since I paid my debt, that I would be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

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 2016-06-20
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I returned a cable box and router to XXXX XXXX XXXX XXXX and they sent my balance to collections anyway when they said they would n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Thank you for taking the time to review this complaint. I applied for and was approved for a Capital One credit card, received the card via mail and then Capital One refused to activate the card. For further background I am a long standing Capital One customer and am XXXX XXXX military XXXX XXXX XXXX with need for a card with no foreign transaction fees. The card application was approved on XXXX XXXX and the card was received several weeks later. I then spent the next three weeks going back and forth with Capital One trying to get the card activated. This included sending verification documents including proof of residence, Social Security card, drivers license. During my final discussion with the customer service representative and a supervisor XXXX XXXX they explained that they could not verify my documents and that the account would be permanently closed. No explanation was given with regards to why the documents could not be verified. I asked if other military members have had similar problems, but this was denied and no resources were given to work around this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX creditor : XXXX -Account XXXX XXXX, XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The following Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: PREFERRED CREDIT 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: TX
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 been trying to refinance my house and our loan agent has been trying to get my Equifax credit report and score and they cant get it and I have tried to get them to fix the problem for 4 months now and Equifax Keeps giving me the run around and hasnt resolved the issue. I have also tried to get my score and report from myequifax.com and an error code XXXX  comes up saying to call Equifax and when I do its the same thing that they cant do anything. Because of this Im not able to refinance and Im losing money. Weve had no issue with the other two credit reporting companies just Equifax. My lender has verified that all information is correct in spelling, address, DOB and SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX I sent a letter of verification to Experian in hopes of seeing how the company verified three accounts that I disputed in XXXX of 2019. By FCRA law credit reporting agency 's have 15 days to respond to the request with a description of how they obtained the information to verify the report. Experian broke the law because instead of showing proof of how they verified the disputes and sending me the information I requested they opened up a new dispute. This is a direct violation of FCRA section 611. Also its a direct violation of my consumer rights and its inhibit my ability to move forward with certain aspects of my life.

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 2021-08-16
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have looked up number belongs to Ad Astra Recovery. They have called my job twice now on XX/XX/XXXX and XX/XX/XXXX asking to speak with me. I am not able to take personal calls at work, let alone staff trained not to give out personal information in regards to if we are there. This number was calling my cell repeatedly last month but never once left a message. Because number is not a recognizable number did not answer. I need these calls to stop for calling at place I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX  XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-10-24
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ON XX/XX/XXXX I authorized a payment of {$460.00} to Huntington National Back, the lending institution for my XXXX XXXX XXXX. My regular payment is about {$440.00} however, I missed a payment due to a medical situation a few months back and pay a little extra monthly to get caught up. Later in the day on XX/XX/XXXX I was online paying thru my XXXX online app and did not see the payment pending so I called H and a male rep answered the call. He indicated I had an " overage '' of about {$230.00} and if he applied the overage I would be current. At no point during the conversation did he equate " overage '' with " past due '' amount. He processed a payment of {$680.00} which was not my intent nor did I authorize. I called today ( XX/XX/XXXX ) after noticing what he had done after my bank sent me an alert for a low balance, I contacted Huntington immediately and after speaking to 3 individuals and treated disrespectfully and condescending have no resolution. The first supervisor was very rude and dismissive about the situation and would give no time for listening to the call. I did indicate I wished to file a complaint and she told me I could do it with her, when I informed her that she is part of the problem she wanted to question how. Hostile and unacceptable behavior in my opinion. Then " XXXX '' calls back approximately 30 minutes later and tells me that I agreed to a payment of {$680.00} and when I asked specific questions, she did not answer and indicated she was not going to argue. At no point did the male rep inform me he was going to debit my account {$680.00} and I agree. I knew about the past due amount bc I referenced the statement during the call, Overage does not equate to past due by any definition I could locate today. The unauthorized payment is going to cause me to incur additional fees and charges on my bank end and the vendors if the bank does not pay. I feel as though the rep did what he did because their may be incentives to collect or else he is just not properly trained to discuss these questions with consumers. They were not willing to waive any late fees. I am requesting that the {$220.00} be put back in my account as fast as they took it out, not a check in the mail and refund any and all fees that I might incur due to this unauthorized amount for my vehicle loan payment. If I planned to pay {$680.00} why would I not have made the payment on the automated system like I did the {$460.00} and I would not be upset calling them back today. They were unwilling to work towards any type of reasonable resolve on top of the unprofessional communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home XXXX. Mr. Cooper became the third company to service my loan beginning XX/XX/2018. They are raising my escrow based on last years taxes from another owner who did not live on the premise. I have sent Mr. Cooper the correct tax amount from XXXX Sc website, but they will not review it until XX/XX/XXXX. Therefore my mortgage has increased from {$330.00} to {$460.00} and it is difficult for me a senior living off of a fixed income. 
Companies should not cause hardship to consumers especially when it is brought to their attention and it takes someone to take a moment, make a phone call and correct the situation. 
My account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX Introduced free cash transfer between client. I made a transfer to a customer using his email address from my chase account using XXXX on the chase platform. The client is saying they never received the money. Chase saying they have proof the money was dilivered but due to privacy agreement they are not allowed to disclose the proof. I meed a legal document from chase or XXXX  that shows where the money went. XXXX is important to move money between people but the current dispute resolution is grosly inadequate. 

Thank You.

Company response to consumer: Closed with explanation