BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close an account held jointly by my deceased parents. My father died in XXXX and my mother died in XX/XX/XXXX. I am the sole heir and listed legally as her personal representative. 
Last XXXX, I have trouble getting any response at all from Chase despite numerous phone calls. Finally, I was able to get an address to send information to, but after that I received no further information. By XXXX, I was able to get hold of someone in a branch who insisted that I had not submitted the documentation despite my receipt of a certified letter that I had. By XXXX, I was able to speak again with someone who told me that Chase did have the documentation I sent but that I needed one piece of additional documentation, in the form of a small estates document. I submitted that today and now was told that I need additional documentation and that the documentation I sent previously was somewhere in the system but unattainable by the people in the bank who needed to see it. 

I believe that the bank is withholding the money in this account capriciously, being careless and irresponsible with personal documents and continually changing requirements to access money so that the money remains at Chase.

I want to transfer the money that was in my parents ' joint accounts at Chase into my an account my mother and I held jointly at Chase. I believe I should have been able to do this in a timely fashion and can document the fact that I started this process before XX/XX/XXXX. I also made bold the part of a Chase document that states that the bank will let consumers know within 30 days if additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Evergreen Moneysource Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a home on XX/XX/XXXX and paid for home inspection in advance through my realtor with XXXX XXXX realy XXXX XXXX. Inpection found standing water from a leak. I ask that the owner repaired before i closed. The realtor said it was taken care of, i moved in on XX/XX/XXXX and over a few month, i started smelling a odor and smell when i opened my cabinets under the bathroom sink and drain in the shower. I googled a company called crawl pros that come out for a free estimate. They said that i had 8 - 10 inches of water in my crawlspace. I called my realtor and text her to see if the guy that did the inspection went back after the work was done. I finally found his number because she sent me a text that she would contact the owner. 
I ask to see proof that repairs were done. She forwarded me a invoice from the company that sold me the home XXXX  XXXX  XXXX  that looked like fraud with there name on the letterhead and different prices for the repairs and no taxes included. In the state of Washington they are contractor s and can not do the work themselves. The date was on XX/XX/XXXX that XXXX  XXXX  inspected my home and i called safeco insurance and opened a claim on XX/XX/XXXX and called XXXX XXXX XXXX on XX/XX/XXXX or so. One compsny had to drain water and sanitize and XXXX XXXX XXXX sent the plumber. The company And previous owner XXXX XXXX  license was suspended on XX/XX/XXXX I feel like this owner sold me a home and never fixed the repairs and tried to falsify records. I will have to come up with money that i sm not responsible for and i wouldn't never had bought this home if it was in this condition.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lost my job and was not able to pay

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2017 I have been working to get a modification or temporary forbearance since I was out of work due to an injury. I have faxed over the same documents at least 20 different times. They continue to say they never received it, the document is cut off, or its outdated. After months of this I finally got in touch with someone at the corporate level. Submitted my documents along with a letter stating when I would return to work. I waited a month and received a letter stating I would not qualify for forbearance since I was no longer unemployed and I would not qualify for modification since I didnt have sufficient wages. I returned to work making the exact amount I was making when I qualified for the house. $ XXXX year. The letter also stated that they would proceed with foreclosure. I dont know what to do. I didnt plan on breaking multiple bones but Im back at work Now and they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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 status incorrect

Complaint:
The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.

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 2022-03-30
Company: EQUIFAX, 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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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 status incorrect

Complaint:
The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent the below letter to Transunion. 

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Transunion continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Transunion. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Transunion, this should be removed, correct? I was not given any additional information on this.

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 2015-10-30
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been waiting to hear from NationStar Mortgage. I filed a complaint and they agree to respond by XXXX XXXX, 2015. To date there is no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: LEXISNEXIS
State: CA
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 have submitted two letters to the company about to accounts that they have on my report that is not supposed to be on there and is damaging my credit. The last was dated XX/XX/2021 that was sent them I did receive some conflicting information from the response of the first letter. Both letters was dated XX/XX/2021 that I received from them. One of them stated that The count was removed and the other letter stated that they needed additional identification information. I have provided all identifying information for me and both accounts to them. I will provide supporting documentation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC has my account noted so that any refund request made will be denied. This is unfair practices and discrimination. Each request should be researched and approved or denied based on each individual transaction or situation. I spoke with XXXX on XX/XX/22 and a request for a {$36.00} fee to be returned to my account was denied. PNC has low cash mode linked to my account which allows more time to deposit before being charged. My paycheck was deposited within this time frame which was the reason for my request. PNC has determined my account is no longer eligible for refunds no matter the situation and this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: FL
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:
I sent the below letter to Experian. My report now reflects the bankruptcy as updated but this is not the case at all. Several credit items stated included in bankruptcy, but this is not the case. These items should all be removed. To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Experian continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Experian. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Experian, this should be removed, correct? I was not given any additional information on this.

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 2022-03-30
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It took Flagstar Bank 85 days from the time I applied to refinance my mortgage with them ( XX/XX/XXXX ) to the closing date ( XX/XX/XXXX ). The process was rife with delays on Flagstar Bank 's end, and their delays and mistakes cost me substantially in terms of the interest rate I ended up with ( I was originally locked with a rate of 3.375 % and ended up having to accept a 4 % rate because interest rates were heading higher ). Here is their " resolution '' of my original complaint : " A review of your account determined that a delay occurred when a revised closing disclosure was sent to you. You received the closing disclosure reflecting updated terms ; however, the terms were not locked. We apologize for any confusion or inconvenience this may have caused. '' I specifically instructed them not to do anything to delay the closing of my refinance before they sent me the " revised closing disclosure '' referred to above, so the fact that they did that and negated my rate lock is totally on them. Unless Flagstar Bank steps up with a more fair resolution, it seems my only option is to sue them.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: MA
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:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
Under the new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2019-08-07
Company: Experian Information Solutions Inc.
State: NC
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 ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXX and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, 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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Pursuant of the FCRA, I demanded a detailed explanation of the procedures used to validate accounts being reported by XXXX XXXX XXXX subsidiaries XXXX XXXX and XXXX within 15 days. My request was made on XX/XX/2017. 18 days have elapsed and I still do not have an explanation of how they validated the account. The reason I am asking for an explanation is, I have made numerous attempts to verify this information directly with the company and they have always failed to provide any evidence that I actually owe them anything. I would like an opportunity to review any documentation available from the creditors to determine if this debt is 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