BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I paid off the balance of {$560.00} on my XXXX XXXX ( XXXX XXXX ) credit card. In XX/XX/XXXX I was charged a finance fee of {$12.00} which was also paid. So, In XX/XX/XXXX I  had a {$0.00} balance on my credit card. In XX/XX/XXXX, after I paid off my balance, I was charged a {$2.00} " minimum fee '' of which I was never notified. I was charged a Late Fee of {$27.00} ( for XXXX ), a Late Fee of {$32.00} in XX/XX/XXXX, along with {$2.00} " minimum charges '' for those Months. Finally in XX/XX/XXXX I received a voicemail from XXXX XXXX stating that I had an account that was past due. Needless to say I was surprised but I went ahead and paid my account balance of {$92.00} on XX/XX/XXXX ( all from a {$2.00} minimum fee ). I made up my mind to close my store card but before I could I received my updated credit report for XXXX. My credit score dropped 47 points! All from this matter with XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX to complain about this matter and hear what this {$2.00} minimum fee was about and all I was able to achieve was a credit of {$32.00} to my account. I have been watching my account closely and there has not been a {$2.00} minimum charge for XXXX, which has been charged the first or second week of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: VA
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:
Dear Equifax Executive : With all do respect, I tried to use your website in its online dispute section but it appeared clearly you restricted my access to it, because I tried every day or days to use it and there is no valid reason to deny my right to use that public service offered to others ( I put exactly my basic information, address, ssn, dob, email and phone ), the other alternative is every time I call your Equifax representatives either need more training or they alter and manipulate my dispute argument of the only negative item on my Equifax credit report ( collection ) ( I never been late on any payment for any business I deal or dealt with and thats including XXXX And I challenge XXXX and Equifax to prove I canceled the auto payment to that referenced XXXX account on the above collection ( please find name of collection and other details in some of the files attached ). 

Also if XXXX was convinced I was right when my ligitimate Request from XXXX to prove I canceled the auto payment to the account referenced in that above collection, made XXXX face the truth its unexplained targeting of my person despite I didnt cancel auto payment they have from my XXXX XXXX credit card ( ending In XXXX as you can see in some of the attached file ) information for the auto payement to that account in the collection. That credit card still open never changed its number and always has couple thousands available. 

The issue with Equifax is to address This unexplained wrongful investigation of my dispute that causes continues adverse action against my person and that is for no benefit to anyone. I am suffering from your Equifax dispute intake staff. So far two requested same dispute to why you should delete that collection like XXXX did and as you can see in attached files.

Please stop my struggle for keeping my clean financial records as always it has been. Im I asking Equifax too much?

the calls to equifax were recorded and I have a privileged recording of it too as Equifax has and it should listen to it when I called Equifax and itS intake Representatives each time struggling to type my very important dispute argument or pretending they cant hear or other unethical manners. They keep stating things I didnt say and that make XXXX easily show the argument dont stand. Please be ethical. 



Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. I inherited my grandmothers home which is in a current short sale process. The loan originated with XXXX and the service provider is Bayveiw. The address is XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Loan # XXXX I have been in contract for over 2 years trying to sell this property. The previous purchasers backed out when we found out there is over a {$32000.00}. tax lien and a fraudulent deed was recorded and a quiet title suit is required. I do have an all cash buyer who is willing to take these issues, and we sent an all cash offer over a month ago. The loan was reassigned from XXXX XXXX to a asset manager by the name of XXXX XXXX. She has not returned any of my calls nor has she returned calls to the attorney of XXXX who has been diligently trying to close this problematic transaction!!! Since then Ive dealt with squatters and had the XXXX XXXX electrical inspector shut electrical to the property because the squatters bypassed the fuse box and hard wired the home which was a fire hazard. Now the purchaser has the additional expense of bringing the entire electrical service up to code. Im frustrated because the tax lien is accruing interest daily and no attemp for communication has come from the new asset manager to assist us to sell the house. Its very strange because the between the huge tax lien, a quiet title action, over {$100000.00}. Repairs to the house and no C/O its defineately in everyones best interest to close promptly. This has been the most horrible experience over the last two years where weve had numerous other problems with Bayveiw if you want to check the history, Ive filed two other complaints which were resolved because of your involvement. I would appreciate any assistance on this matter greatly. My mother has stage XXXX XXXX and I am a single mother of a XXXX year old. I take care of them both. It would be a tremendous load off my shoulders to get this house sold and closed!!! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
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 did not request these inquiries contact company and company did not see anything on file

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SENT IN MY DISPUTES SEVERAL MONTHS AGO AND STILL HAVEN'T HEARD BACK FROM THE CREDIT 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 2018-02-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I spoke with a handful of different representatives today ( XX/XX/18 ) at XXXX for over 30 minutes. They all passed me on to the next until I demanded to speak with a manager. I asked the women to consolidate my 7 separate loans and she said that was impossible because they have different disbursement dates, and to Navient it only shows up as one loan for me. However if I miss a payment, my credit score reflects it as seven late  payments. Therefore making it harder to bring up my credit score and  refinance my loan with another company. Basically they told me they couldn't help me lower my payment unless they spoke with my co-signer which when she tried to call they said they wouldn't help her because it was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: RateGenius Loan Services 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: Public record information inaccurate

Complaint:
Friday XX/XX/2018 I was looking to find a better rate for my car loan on Rate Genius. I got to the part where it asked me to inter my SS number. I read the discloses which indicated that there could be some hard credit pulls by different financial institutions. I did not enter my SS number and closed the page because I didn't want hard pulls on my credit history. So I get a notification that XXXX XXXX XXXX pull a hard credit check. Spoke to the credit union and they informed me that rate genius sent them my information. Called and spoke to Rate Genius they told me that they work with the credit agency 's and all the need was a name, address and birthday, which they ask for prior to getting to the SS number, and they can pull the SS number without the public entering it into the portal. I find this to be very sneaky way of trying to get business. Now I have to dispute the hard inquiries and waste my time with this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.

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 2018-09-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a 5 year ARM mortgage with BMO Harris on XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 percent and took a loan of {$240000.00}. I was told that my PMI would be automatically cancelled as soon as my loan to value reached 78 percent. That seemed to be true from the contract I signed. The contract said, PMI will automatically terminate on the day the principal balance of your loan is first scheduled to reach 78 % of the original value of the property provided your loan payments are current. This date is XX/XX/XXXX. There is no mention on how any extra payment would be handled. 

I paid extra almost every month towards the principal. Now my Outstanding balance, as per Bank 's own statement ( {$200000.00} as of last statement ), is less than 78 percent for last few months. But Im still paying PMI. BMO-Harris is not considering the extra payments I made towards principal. I think that against CFPB norm/rule, as per CFPB website itself. I tried to resolve the issue many times with the bank. But the bank insists that I have to pay PMI till XX/XX/XXXX. My 5 year ARM term would end on XX/XX/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 2018-02-18
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was settled months ago. 
Texas Department of insurance filed against XXXX XXXX and XXXX who settled with the hospital. 
This is fraud and an attempt to collect money that is not owed. 
IT WAS SETTLED BY THE INSURANCE COMPANY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: JPMORGAN CHASE & CO.
State: WA
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:
In XX/XX/2017, Chase closed all my credit cards with no reason given. I appealed the decision and my cards were not reopened. On several of the cards I had paid annual fees for the next year 's service of the credit card. These fees were not refunded to me, even though I not onger had the benefit of using the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been sending request to Experian and XXXX since last year and I'm not receiving responses from the credit bureaus. I sent investigation requests on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I even decided to send it certified after the non responsive attempts. I have proof they even received my last letters for an investigation and I'm not hearing anything. I attached the notice of delivery. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they couldn't verify in the time given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Alliant Capital Management LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022, Alliant Capital Management contacted my personal cellular phone number as well as several unrelated acquaintances that do not have any right to my personal information. Persons contacted are not and have never been used as a reference for any account. They do not have any permission to receive any information on my behalf. A request for written communication was submitted to Alliant Capital Management has been submitted as there has been no written communication received outlining the details of their contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage # XXXX Mortgage swapped several times between OCWEN and PHH ( who is owned by OCWEN ) Purchased property XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX of Market Bubble Applied for HAMP in XXXX and finally was processed XX/XX/XXXX. 
8 % loan reduced to 4 % but term turned from 30 year total ( 21 years remaining ) to a new total of 42 years, with a $ XXXX balloon at end of original 30 year term. 
Timely - I think not. Letter stating a {$5000.00} deduction from principal due at 6 year anniversary of HAMP - in XXXX of XXXX. Letter also states you CAN NOT TOUCH the loan, as is if you refinance this - you lose the {$5000.00}. That translates into a LOCK against refinancing at current rates of 2.6 %. That is corporate bully/robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Spring Oaks Capital, LLC
State: TN
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 have no knowledge of this creditor also... 
In accordance with the Fair Credit Reporting act Spring Oaks Capital LLC 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 2021-02-08
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All of 2020, I was attempting to work with Sallie Mae regarding a payment plan to help my son and me during the pandemic. Sallie Mae 's systems messed up my payments three times. First, it had the wrong zip code as my credit card. Then, it was kicking my credit card out, and wasn't taking my payments. Finally, I just learned that one loan was setup for auto-debit but not the other one. I spoke to Sallie Mae on the phone to set up auto-debit. Had I not looked it wouldn't have been set up for the other account. This would have resulted in more negative marks on my credit just as last year!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i sent a letter on XX/XX/21 about having the wrong info on my credit report and to have it updated and nothing happen. still reporting wrong information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX   balance.

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 2018-09-24
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I spoke with XXXX XXXX at Quicken Loans to go through with an application process ( since we had an accepted contract for home purchase ). She advised me that they would deduct {$500.00} from my bank account via debit for the appraisal that would come off closing costs. I agreed to all of this and she then sent me to XXXX XXXX. At XXXX on XX/XX/XXXX, I sent XXXX a text message stating that I no longer wished to continue my loan process with them, that I wanted to utilize a local lender and to cancel any appraisal that could be in the works ( although this was all the same day ). On Monday XX/XX/XXXX, {$500.00} was withdrawn from my account. I emailed both XXXX and XXXX and stated that I'd like that money refunded and my loan withdrawn. That I contacted them on Friday and ultimately they never should have taken the money. XXXX told me that she would cancel and refund me. On Wednesday XX/XX/XXXX, my current loan company told me that my loan was still in process with Quicken and that they needed to withdraw a specific loan number for them to be able to continue. XXXX was out of the office, so I spoke with a XXXX XXXX. He kept asking me why I wanted to cancel since all my paperwork was already submitted and switching now could jeapordize my close date. I stated that at this point, I wouldn't do business with their company just because of the way they do business. If I say cancel, I mean cancel. It shouldn't be that hard. He told me that he'd cancel and I'd be refunded minus any 3rd party fees. That same evening ( XX/XX/XXXX ) I received an email from Quicken to check out my appraisal. So now I know that I'm not going to be refunded since they had the appraisal done. Although I did tell XXXX that I shouldn't be on the hook for an appraisal they ordered after I'd withdrawn my consent. - This is a FHA appraisal, and I'm going with a conventional loan, so this appraisal doesn't do me any good. I can't use it. Nor should I have to be responsible for an appraisal dated XX/XX/XXXX when I canceled on XX/XX/XXXX. I reached out after I received the appraisal to XXXX and XXXX stating that I still wished to be refunded and wanted the names/contact information to supervisors/managers. They will not give me any other contact information but XXXX did state that she was under the impression that my loan was withdrawn and I was to be refunded per our XX/XX/XXXX conversation. I am not sure who else to contact to resolve this issue, but I want to be refunded from this predatory lender who doesn't do whats asked of them. Thank you for your help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: TN
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:
Several times I reach out to Equifax to dispute or update information and I get the response you will see below. I have sent in the items plus additional proof they ask for several times but to no avail. Meanwhile Im not able to view or correct any inaccuracies on my file. After yet again trying to make a dispute ( based off what I see from a few credit apps I use ) I get the same response from Equifax. I received the bottom notice after trying for second time to dispute an inquiry from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation