BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My VA home loan has been in a loss mitigation for 2 years. The company, Freedom Mortgage, was still waiting for my previous loan company ( XXXX   XXXX ) to forward the mitigation packet I had begun with them, for 2 months before my suggestion of me resending the packet to them was accepted. After delinquent amounts rose to high levels I could never repay and my VA approved counselor began pushing on her side, a mitigation was approved, my acceptance sent back and loan papers sent out to be returned within 5 days - I received a letter 7 days later saying mitigation denied for lack of papers being returned, maybe I could re-apply!

My VA approved counselor pushed back and found XXXX had left a package on my porch, no signature required and still hve n't found! Another packet sent out, but legal property described therein was for an address in another state! A month and a half later ( with more pushing from my counselor ), a corrected packet was sent but letter received mitigation denied, paperwork never returned - maybe you can apply again!! XXXX had dropped on porch, no signature required and package never found! A new package sent, signed and returned. 
2 months previous, our insurance dropped our home insurance because Freedom told them it was in foreclosure and they couldn't reinsure without approval from Freedom and issued a closeout check. Freedom told me insurance would be figured on new financing and refund was between insurance and me. Insurance said they couldn't take it back because Feedom had closed it! 
So after packet sent in, we received a letter notifying of escrow shortage ( amount of refund sent back! ) and notice of higher expected payments due! As of todays date, still haven't received final loan docs but told that first payment due last week ( a week after final docs sent in! ) was {$170.00} more than our original house payment that we were stuggling to make!!! 
So after 2 years, it appears that my only recourse is to let them have the house - i'm to the point employment-wise that the original payment amount would be do-able, but their efforts did nothing but cement a bad deal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I used the Chase Mobile App to pay my balance off on my credit card. I normally get an immediate confirmation that it is being processed, but this time I didn't. I chose Pay Bill and scrolled down to See All Activity. It immediately, without my authorization, began processing a second payment for the exact amount as the previous payment made which was listed as processed and completed. I had two different confirmation numbers and two payments taken. I had a negative balance on the card the next day. I assumed it was a glitch and didn't worry about it, because I had pending purchases anyway. 

Well, it happened again today. I tried to pay the balance, no confirmation, I checked it later and it processed a second duplicate payment without my authorization. I called customer service and they said to call back when the second payment was completed and they would issue a refund. It could take a few weeks to be put back in my checking account. Meanwhile, my money is gone from my checking account. Money I did not authorize or owe. 
Please check into this if possible. Below are the payment summaries and confirmation numbers. Thank you so much! 
XXXX XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$420.00} Description Other Confirmation number XXXX Status In process Payment scheduled date XX/XX/2018 Amount {$420.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Conn's, 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 information incorrect

Complaint:
On or about XX/XX/2018 I sent the attached letter ( Conn 's 623 letter ) to Conn 's detailing inaccuracies they are reporting to XXXX, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but Conn 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case Conn 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX 's closed the account in XXXX, without notifying me. I had requested a new card, but they never sent it and subsequently closed the account for inactivity. I called for over an hour trying to get them to fix the issue, but the adamantly refused to reopen the account, insisting that I would have to reapply. This gives me a credit ding for the closing, and one more for reapplying. Plus, I lose 7 years of credit history. This is a despicable business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Optimum Outcomes, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was incarcerated. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made a purchase from Rayomour and Flanigan int he amount of {$10000.00} with {$0.00} interest for 72 month. at the 11 month I started getting interest rate, I called and I was informed that I need to go to the store where I purchased the furniture. I went there and spoke to Manger, which she was very rude and informed me that there is not such a thing of 72 month. Even the advertisement in the tv shows that interest free for 72 month.

I called the sales rep that I bought the furniture and she doe not work with the company any longer. ( wonde why ) she even told me that the contract was for 72 month. When I told the manager that, well she does not work here anymore.

She did not try to assist in any way, all she said is that I need to paid.

I really felt that customer services is very poor, and the people who work there really do not care about the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX  has not contacted them to remove this negative on my report but shows that the balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

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 2018-11-13
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Hello I bank with PNC Bank and on XXXX XX/XX/2018 my account was hacked by XXXX without my permission and they took {$1700.00} worth of charges on my account and they cashed out via Cash Advanced my issue is that my bank didn't let me know that there was 4 charges of {$490.00} deducted from my account can you help me with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have been trying for months to fix the issue with Capital One. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Nissan XXXX and hit for COVID-I informed Nissan that i got laid off from my job struggling to make payments and have been charged over {$250.00} in late payments for the past year during the Pandemic. Nissan rep said he couldnt remove any late fees. He did say on XX/XX/2021 that they could change my due date from the XXXX to the XXXX. He couldnt make the change until I made my next payment and to call once I made pmt. I have made my XXXX payment and called today XX/XX/2021 spoke with XXXX # XXXX, supervisor as she admitted to and said it was a mistake and we cant change the due date because I used it up, whether I did or not, I informed XXXX that you promised to change my pmt date regardless, and if its your mistake, you need to honor as she refused to change due date. I asked for her superior and spoke with XXXX XXXX as she as well refused to change due date. 
CFPB question, This lender can say anything and lie to me and come back to say it was a mistake? Do I not have rights. Nissan should be held accountable for their actions as they clearly stated and admitted to. If they make mistakes they just say Oh I made a mistake?

Not only did they lie to me, they refused to assist during COVID and refused to approve me for any programs. 
They need to remove this recording from their XXXX if they do not assist during COVID, as they are illegally advertising assistance for those affected with COVID loss of job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was contacted by XXXX XXXX XXXX and they claimed that I visit their site. The man said I was approved for a loan. I said ok and XXXX was deposited he did n't advise me that they would be charging fees or I would have never agreed! As of today they withdrew {$1300.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax keeps adding a chapter XXXX debtors court to my file and verifying this information came from XXXX XXXX which is n't true. This file has been taken on and off my credit report numerous times causing me duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I was told my a potential lender that my credit report was frozen and could not be accessed. I had them re-submit the request with the same result. I immediately called and spoke with numerous people at all three of the credit reporting bureaus. I was transferred, and given other numbers to call, all people saying there was no problem with my account. The next day, the lender tried again, no luck accessing my report. I again called all three agencies, speaking to multiple people and found that there was a freeze on my account from last XX/XX/XXXX. I asked that it be removed. Next day the lender again had no luck with the credit report. I again called all three bureaus and Equifax finally told me that there was a block on my account and the only way I could remove it was to purchase a " freeze '' for XXXX dollars. I did this and they walked me through the web page to then remove the purchased " freeze ''. My logon screen showed there were no locks and no freezes on my account. On the following Monday my lender once again tried accessing my credit report with no luck. This was about mid day. I called Equifax once again and they again reassured me that there was no freeze and that the request should have taken place immediately ( last Friday ). I then pulled my own credit report on XX/XX/XXXX and noticed that Equifax had my status changed to " File Blocked For Promotional Purposes ''. I called them on XX/XX/XXXX and spoke to several people inquiring about the " promotional block '' and was told this was another additional feature that transpired with the initial lock/freeze back in XX/XX/XXXX but this was never mentioned to me in any previous conversations. I asked for the " promotional block '' to be removed immediately and was informed that it would take 30 days. I asked them to begin the process and noted on my calendar the followup date. I will followup with them but am very unhappy with the run around I have received. I will be back in touch with you if in 30 days they have not removed access to my credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Bread Financial Holdings, Inc.
State: AL
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:
XXXX - XXXX XXXX XXXX XXXX XXXX. I have never been late in a payment and they reported I was 30 days late on a payment. I call every month to take care of my payment. There is no reason why this was reported to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12
Company: Skopos Financial, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a remark list through Skopos Financial which I have tried to request validation and received nothing. The social on the account doesn't even match mine. I have disputed with XXXX  and XXXX with no outcome. How are these agencies verifying inaccurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: National Credit Systems,Inc.
State: CO
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:
On XX/XX/2018 XXXX XXXX XXXX XXXX sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***Credit Systems who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call XXXX XXXX XXXX said I have the Letter and they should change the Balance to XXXX. Called National Credit Systems and  they said FLAT OUT NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: AL
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:
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , XXXX where I used to live before ). I have been in state of XXXX  since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.govXXXXXXXX, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: STERLING JEWELERS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation