BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving frequent phone calls from chase card services at the phone number provided. Today I contacted the caller to request the stop harrassing me, and the representative refused to remove me from his system without me providing identifying information despite my numerous requests not to be contact on top of advising him it was harrassment. 

Today XX/XX/2019 I have received four phone calls from chase card services at XXXX. This calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Yesterday on XX/XX/2019 I received five phone calls from chase card services at XXXX. These calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Grand Canyon Title, Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I attended XXXX XXXX University of XXXX of last year and couldnt pay the end of that semester of {$4000.00} because I got really sick and missed many days of school which made me fall behind my classes and I was nearly failing 2-3 classes toward the end of the semester. I let my counselor know of my situation and he dropped me from the school. Months later the school notified me of my pending balance but I let them know my situation and that I couldnt pay it and they told me that this would be disputed. I got no calls for the past couple of months or any letters saying I still owed anything until today XX/XX/XXXX that I guess this was sent to collections.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.

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 2019-08-30
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2019, I have been contacting New Rez LLC regarding our FHA Loan and the PMI cancellation. My spouse and I were denied on that inquiry, and resubmitted the request in XX/XX/2019 after making an additional principal only payment of {$1000.00}. On XX/XX/XXXX, the company acknowledges receipt of the payment and new request to remove PMI from the loan. The status of the inquiry sat pending from XX/XX/XXXX, until XX/XX/2019. After numerous phone calls from XX/XX/2019 through today, XX/XX/2019, I had gotten no where with the company. We believe at this point that there should be a refund of a couple payments of PMI that should've already been off the loan by now. Terrible customer service with no answers, or follow through that was stated on many of their calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Last year I was furloughed from my job due to the XXXX pandemic. 

I was called back but it was only part-time until XXXX of last year. 

I was also affected by the XXXX storm that hit Texas ( I lost time from work because the business was closed ). 
I am behind on some of my bills, but I have tried to make a payment once a month. Last month I made a payment on my account on XXXX, and on XX/XX/24 I received a call from the business at XXXX calling me about my account, telling me they need another payment even though I had made on jus 5 days earlier.

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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited an official bank check from XXXX XXXX into my Bank of America checking account via an ATM deposit. After depositing the Official Check the ATM indicated that 100 % of the funds would be held until XX/XX/XXXX at XXXX. It concerns me that no portion of my deposit was made available to me, especially since the deposit was from a local bank account that I closed and that bank provided me with an Official check. As a Bank of America customer since XXXX, that receives monthly deposits into their account, I believe this hold is excessive. No portion of the deposit has been made available to me and I am concerned that this is an unjustified practice.Bank of America has received the funds for this official check and is now collecting interest on my money, which is not available to me. 

I spoke to XXXX, Senior Client Advocate from the South Carolina online banking location who reached out the the extended holds team.

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 2021-10-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi! Suntrust now Truist has allowed multiple fraudulent transactions to post to my account and have closed my claim for fraud. A total of 6 XXXX transactions were made that are not mine mine and totaling nearly {$700.00}. They have closed the claim without doing their research. They also never alerted me that there was suspicious activity.

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 2019-01-10
Company: Netspend Corporation
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Sir/Madam : I am writing to you to resolve an ongoing issue with my XXXX XXXX Prepaid card XXXX XXXX XXXX XXXX. The name on the card is XXXX XXXX. I have been trying FOR WEEKS to get one of their appalling customer service reps to get this taken care of, to no avail. 

Explanation : My son and I had a web company called XXXX XXXX. We owned a number of domains, including XXXX   and XXXX. I retired and my son continued to run the company until he closed it a couple of years ago, but as far as I knew we retained the domains, which I used as my email addresses : XXXX and XXXX. A short while ago I realized that I wasnt getting any email addressed to those domains. It turned out he had sold them without telling me, not realizing I still used them. This caused me the current nightmare : I used them for all sorts of logins ; banks, XXXX etc, including XXXX. I have been trying to sort it out since. 

On XX/XX/XXXX a customer service rep of theirs helped to close them and use a new one at XXXX. However, I realized after we hung up that I couldnt get into my prepaid card account because it used the XXXX login to access it and she hadnt noticed it ( on the assumption she could see that information ). I have tried to get another of their reps to fix it - just allow me to use the card and Ill spend the {$60.00} on it and close the account. As far as I knew that was fine, I was going to do that onXXXX  XXXX, until that is, I got an email telling me the card was suspended for some reason. I called XXXX and spoke to a XXXX, who seemed unable to access any of the details of the previous conversations. It's a classic case of the left hand not knowing what the right hand is doing. I have now made 6!  international phone calls, sometimes being on hold for 45 min at a time. 

This is absurd! I probably spent more in phone calls from the XXXX, where I am at present, than there is on the card! There is nothing wrong here, all I need is someone in this dreadful company with some way of seeing the global picture to unlock the card, let me know and Ill go to XXXX and buy a gift card for my granddaughter with it and be done ; which is what THEIR REP told me to do on XX/XX/XXXX! Thats all I want. Using this card has been a farce, as soon as I use it in the XXXX theres a problem. Excuse me for using the card in a globalized world. 

Should anyone wish to call me my XXXX number is XXXX XXXX XXXX, but a simple email telling me the card can be used on XXXX with be fine, and I will bother them no more, I promise as XXXX is my judge. 

Yours truly, 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 2020-04-29
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the CARES Act, I requested a 180 day deferral from Wells Fargo. I was told that they do not offer this at the moment, and would need to see if I am eligible for this long of a deferral as they currently have me on a 90-day deferral which was completed before the CARES Act was passed.

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 2020-09-16
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2019-05-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with XXXX  XXXX XXXX for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent XXXX XXXX XXXX documentation dozens of times in order for me to have access to the account allowing XXXX XXXX XXXX to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.XXXX XXXX XXXX recently transferred my mortgage to Select Portfolio Servicing. It should be mandatory that when a company transfers a  mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. XXXX  XXXX XXXX did not do that.I called SPS and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is SPS refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! XXXX XXXX XXXX has those documents and has received them more times that I want to recall. XXXX  XXXX XXXX needs to contact CPS with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but XXXX XXXX XXXX and SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I sent a complaint to the cfpb case number XXXX, in the company response 0n XX/XX/2021 Convergent Outsourcing Inc. is admitting to several violations I have list below in a attachment. I demanded for Convergent Outsourcing Inc. to remove this account from all consumer reporting agency immediately and monetary relief the violations committed. I sent them an email to the email provided in the response and also certified mail with my demands and invoice which I have all in the attachment below.

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 2021-10-11
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EdFinancial Services
State: TX
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:
EdFinancial is my loan servicer. I made a request for a refund on the payment on XX/XX/24. They told me it can take 90-150 days which is ridiculous. I have seen other loan services already start refunding. I called again last week as well as today and still no update. My loans havent been reinstated nor have I gotten a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
COMENITYBANK/VICTORI Inquiry : XXXX XXXX, XXXX COMENITY BANK/VCTRSS Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  and the other two burus is reporting an old XXXX XXXX  account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
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 2019-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN AND XXXX XXXX XXXX XXXX ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... EXPERIAN AND XXXX XXXX XXXX HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO XXXX XXXX CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX XXXX XXXX WHICH EXPERIAN AND OR XXXX XXXX WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
XXXX XXXX XXXX XXXX. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE XXXX XXXX CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... XXXX XXXX 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT XXXX PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... XXXX XXXX. 
HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE XXXX WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT XXXX STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE XXXX WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME .... 
SO WHILE XXXX WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND EXPERIAN GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?

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