BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I locked in a rate with Better mortgage with a given set of terms. Once my hard credit was pulled, {$550.00} collected from me, the origination fee went up from XXXX to {$3000.00}. No explanation was provided and my e-mail and call was ignored after I tried to get an answer. I'm still actively trying to cancel my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: BARCLAYS BANK DELAWARE
State: NY
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:
For many years I had a XXXX XXXX XXXX card, every single bill paid on time, never one late fee. Barclays Banks closed out my account no reason given back XX/XX/XXXX but the reason is my husband who was the XXXX XXXX XXXX  in New York State was XXXX, XXXX, won his appeal, XXXX again and waiting for appeal. Of course Barclays will not give me a reason because they are breaking federal law ( ECOA ). I continually receive emails and letters from Barclays asking me to apply for a XXXX XXXX Master Card which I do. XXXX XXXX gave me a credit card in XX/XX/XXXX. 

I would like to sue and also have you act on my behalf to Barclays Bank. I had used XXXX XXXX card because I frequently fly on XXXX XXXX and I accumulated many points which are now running out. I am not allowed to accumulate points now which is another blatant discrimination. I will await your reply. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX NY XXXX. XXXX cell phone

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 2020-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After BeforeClose XXXX/XXXX/XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. {$65.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$660.00} Credit Limit {$780.00} Highest Balance NA Terms {$720.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Additional Information XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX this account was accidently disputed plz do not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
So, I'm trying to go debt-free and I've been making " overpayments '' toward the principle of my loans here and there over the last couple of years. Or, I thought I was anyway. I got frustrated because it seemed like my loan principle wasn't getting any smaller and I was right, it wasn't! I went looking for why and it turns out Navient applied all of my extra payments to the interest instead of my principle! They're sneaky about it too, when you make extra payments via the online dashboard, they call it an " overpayment '' but they don't let you specify where you want the money to go. I figured since it was an overpayment, it would go onto my principle ( since they don't have the option to specify ). NOPE! Not only were they stealing my overpayments, but they also have not been reporting my payments to the credit bureaus. 

I tried to find my monthly statements ( which they all but hide from you ) because I coud n't see a breakdown of my accrued charges on my dashboard. When I finally found my monthly statements, they're hard to interpret. Utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: NC
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 card I do not use one XX/XX/2016 identity theft XXXX XXXX XXXX card XX/XX/2016 Identity theft use XXXX XXXX card XX/XX/2016 theft use XXXX XXXX Theft use nonconsential Auto loan lease party has not asked me to use my identity or as a co - signer XXXX  XXXX XXXX Auto loan XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX has not asked me to use my identity or as a co-signer Excessive, expensive and repeated use of my identity instead of own partys

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 2018-10-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Have called Navient trying to lower payment from XXXX a month to a lower payment due to illness. Every time we call we get a different story and the final call the rep very rudely said they could not do anything and hung up. This has been going on for over a month. I am the borrowers Mom. I refinanced these loans with Navient XX/XX/17 with my daughters permission. She added me as a co-signer and I have been making the monthly payment for 15 months. They did send me the promissory note I am listed as a co-signer but never sent it to me for an electronic signature thus my daughters signature is the only one listed. I believe they never sent it to me to sign. All we want is the payment reduced temporarily until I am able to return to work after my illness. This is extremely frustrating and stressful. After at least 5 calls with different answers, asked to speak to a manager and they would not and hung up. This is very upsetting and I.m hoping you may be able to help. I as well as my daughter have excellent credit and do not want to jeopardize this by not being able to make the payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2020 I sent a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.

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 2019-07-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX from FCO debt collectors called me on a shared work phone in the middle of an office full of people and when I told him it was a work phone, refused to stop interrogating me. He told me that I had to call him on my lunch break in order to not endanger my employment. This felt like a threat. I also felt highly embarrassed as everyone in my office could hear the entire conversation. 

Further I have evidence the debt is not valid.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts were opened from someone stealing my identity. I have notified Experian and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. 
Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX these should be deleted as well. 
Thank you for helping me get this matter taken care of.

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX so called debt {$420.00} filed police and ftc report # 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had account back in XXXX. Than they closed my account saying I owed over XXXX XXXX from years back without explanation. So I think something was wrong. Now this is between XXXX  and XXXX  would like to resolve this matter. 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 2019-07-12
Company: JPMORGAN CHASE & CO.
State: CA
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 sent a check to the Illinois Secretary of State for a driver 's license renewal. The department said they never received the check. The check was deposited into a random unauthorized bank account on XX/XX/XXXX for {$30.00}. I tried calling my bank, Chase, and they would not refund me my money without the Illinois Secretary of State filling out an affidavit stating they never received the check. 

I called the Illinois Secretary of State and they don't know who is able to do this affidavit for me. I have no way of recovering my {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
American Honda Finance Company put a lien on my car title on a car that I paid for with cash. I have never had a loan with AHFC, but they refuse to remove the lien. An AHFC rep told me I could have the tile cleared through XXXX. I paid {$48.00} to XXXX and received and notarized letter from AFHC clearing the lien, but my title still has a lien from AFHC, and they refuse to clear it. ( For some reason, there is not paper title, just an electronic one. ) I can not sell the vehicle because I can not get my title. AFHC refuses to explain why or how there is a lien on my vehicle. I have asked many times. 

AFHC refuses to work with the Honda dealership for where I purchased the vehicle to remove the lien. AFHC asked my for sales paperwork on a car that I bought nine years ago in anticipation the I would not still have it. I do have it, and I faxed it to them. The paperwork reflects a cash payment in full for the vehicle, but they still refuse to release the lien. 

AFHC likes to play this game where they put you on hold, I guess with the hopes that you will just hang up. Yesterday, my phone show that I was on a call with AFHC for 55 minutes. About 50 minutes of this time was me on hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX XXXX XXXX transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.

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 2019-07-12
Company: Action Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection company ( Action Financial Services ) is masking/spoofing their phone number on caller ID to match my employer 's phone number, complete with area code. Calls are made repetitively through the day. The starred items in the attached jpeg illustrate calls made by Action Financial Services masked as my office number.

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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went in to a branch to open a chase account. No issues at all. My roommate XXXX me her rent ( XXXX ) and I sent my money from XXXX XXXX over into the chase account. They wait till all money is in and cleared then restrict, close, and lockdown my account on XXXX. I live in XXXX and have XXXX to my name. I have not paid rent, utilities, or my car payment. My phone has been shut off because I did not pay in time. I am terrified. I talked to a bank of mine who gave me amazing advice. Most of it worked but they have still lied almost every step of the way. Sending me to the bank to get my money, then saying no. Me having to take off work to go to the branch. I have 0 idea why it was closed. It was never used except to put money into it. My money has been locked away for 11 days now and I am scared I will never get it back. I will lose everything if I do. This bank has done this to thousands of people with no repercussions. They went into my actual banks and removed that new account and added my old ones. They were the meanest people I have ever talked to. Even the executive office is hateful and rude when all I want is my money back to pay off my bills before I love everything. A guy on the phone replied this when I told him what happens if my car gets repossessed " well sir, I guess it gets ( repossessed ) All this could have been avoided if they did not hold my money hostage. The reasoning behind it makes me think they do not have the capital to pay it back. 3 NY banks acquired chase and in my experience, that sounds like these banks purchased Chase and are planning to dismantle it and strip it for parts which is why the closure of thousands of accounts. One of the biggest banks in America is about to fail and their last grasp at surviving is to steal from their customers. And the FDIC, FTC, OCC, CFPB, Attorney general, no one will help. We are just consumers vs a major bank. I am terrified they are going to steal that money. XXXX of it already disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: LD Holdings Group, LLC
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:
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given LOAN DEPOT OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
My Loan has been paid in full to Regional Acceptance Corp.

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 2022-12-18
Company: Experian Information Solutions Inc.
State: MI
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:
I have maintained a great relationship with XXXX for over 30 years doing my banking, auto financing, credit cards, loans home and auto insurances over a span of a decade. In 2019, I circumstances changed and my XXXX XXXX from XXXX XXXX XXXX  and I became XXXX XXXX XXXXXXXX. Within, XXXX I had to ensure all documentation for medical for the VA and XXXX XXXX  XXXX I went from the work force to a XXXX life and within this time span a suffered a divorce and the XXXX happened. 

I never once tried to get out of my obligation with XXXX and in writing and by phone calls worked payment plans out best suitable. XXXX, I received a call from XXXX XXXX XXXX ( not the CEO, a person from or claiming to be from the CEO of XXXX XXXX ) about my letters I wrote and over recored line stated they aren't doing nothing.

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 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I currently have an open credit card with Kohls. This account has been opened since the year of XX/XX/XXXX. I have never opened a kohls credit card. I called the kohls credit department and gave all my information based on whats on my credit information and they cant find anything listed under my name and cant find anything listed with my social security number. I filled a dispute and nothing has been taken care of. This is very concerning and I want this matter to be taken care of immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received almost thirty pages in the mail from BSI Financial Services indicating that I should start paying my mortgage through them. However, when I checked with the mortgage company they confirmed that they had not engaged BSI. The letter is not structured as an offer of services, but " We are now responsible for collecting your loan payments on behalf of your current creditor .... '' which is an entirely fraudulent statement, as neither I or my mortgage holder has engaged the services of BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Central Portfolio Control Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company called over and over saying they were collecting debt that was not related to me or my name. I asked them to stop, to remove me from their list, but they keep calling. They say the debt occurred after I have already had this number, so it is fraud or illicit attempts to collect fraudulently.

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 2022-08-10
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Employer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation