BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for the loan XX/XX/2020 and they have lied about property I owned, not updated my pay off amount that I pay monthly for the past six months to adjust the loan amount, not given me access to my account on line because I cant remember the user name or password, wanted to have me resign documents when the charges were wrong and I paid the appraisers, re ran my credit report doe no reason, said I was in the hawk report to drag it out. I never signed the new loan papers and they just sent me a letter with charges and a new loan that should have closed in XXXX. I have emails and emails of proof about trying to contact and asking for paperwork I had already submitted to draw the out so they still make the interest and when I would have saved five years off of my loan it would be more like four. I didnt sign the new loan documents the lady came to my house and I have a witness to prove it. I told them no that I would find another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail

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 2020-02-25
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I sent an updated county and municipal tax bill to Ms. XXXX XXXX as instructed by her to lower my mortgage payment. The property address went to tax appeal. as a result, the house value was reduced to {$210000.00} from {$360000.00}, which greatly reduced the taxes of the property. As of todays date, XX/XX/2020 I have not received a response from Ms. XXXX XXXX. I  then called the corporate office of Community Bank and spoke with the loan department about this issue. The person I spoke with advised that Ms. XXXX XXXX should have sent them the updated tax forms. But, they never received the new tax bill. I asked the loan person that if I were to fax the new tax bill, would it reduce my bi-weekly loan payment. She advised it depends if they were able to do a new escrow alliance. My complaint is that if the new tax bill was sent when I e-mailed it to Ms. XXXX XXXX, I believe the new bi-weekly mortgage payment would be reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights by reporting a duplicate account. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Bank of america is taking too long to update the transaction records so i am unable to cash out my XXXX 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
Consumer complaint received 2020-04-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was informed by Citibank that they closed my credit card account. I have always been an excellent Citibank customer since XXXX when I opened this account and I have always paid my account on time. When Citibank closed my account, it hurt my credit score because there is a significant balance on this account. I am very aware that as much as 30 % of my credit score is  based on the relationship between my credit card balance and my credit card limit. The action of Citibank closing this account caused me to be significantly over my credit limit, because there is no longer a credit limit reported on this closed account. 

This is very upsetting to me because during this difficult time with Covid-19, I am trying to secure financing for my business and the action by Citibank in closing my account hurt my credit score and is hurting my ability to receive the financing that I need to sustain my business in this most difficult time. 

During my phone conversation with Citibank on XX/XX/XXXX, they informed me that the reason they closed my account was because they attempted to draft my checking account for the minimum payment due on XX/XX/XXXX and XX/XX/XXXX but were unsuccessful. Once I learned of this error, I called Citibank and cleared up the problem. Again, I have never been late. 

I really don't understand why Citibank would do this to me during such a difficult time as Covid-19 when I am trying to keep all my bills current and keep all of my employees on payroll.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX. 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage. 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, 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 non-monetary relief
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After 14 years of a banking relationship for my business, which was and remains in good standing, Bank of America closed the 2 accounts with any adequate explanation or any ability to get an adequate understanding of its decision.

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 2021-12-02
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXXXXXX XXXX is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX XXXX 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my 3 trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXXXXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, 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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The capital one platinium credit card has not disbursed the money that the XXXX merchant already paid for the amount of XXXX and they charged me that credit amount twice. Capital one is supposed to give me back XXXX and they are charging me that fraudulent money I have evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 had sent a letter to XXXX, XXXX  and Transunion about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.

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 2022-04-28
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: Account status incorrect

Complaint:
Closed account reporting erroneous derogatory information on my credit file. 

Creditor : XXXX Closed : XX/XX/XXXX ( Paid in Full ) Compliant : XXXX has been reporting late payments to Credit Bureau on the closed account as if it is still an open/active account. 60-day late have been reported in XXXX of XXXX. 

Disputed with the XXXX, and have not been able to get resolved. 
Contacted creditor no resolution Spoke with XXXX customer service Manager with XXXX, still waiting on a return phone call to provide the information that is being updated and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: ADVISORS MORTGAGE GROUP, LLC
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I took a reverse mortgage class and was charged {$120.00}. I was told by Advisors Mortgage Group , LLC that I would be repaid at the closing. I also later found out that I didn't need to take this class since it had not been 5 years since I took the original class. On XX/XX/2019 I paid {$430.00} to have the house appraised.Again, I was told that the money would be repaid back to me at the closing. Then after not hearing back from them until XXXX, I was told that I did not qualify. When I asked about my money being refunded like they had promised, I got no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions

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 2017-07-09
Company: DISCOVER BANK
State: NM
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:
After reviewing my credit report noticed an account collection by XXXX. I contacted the original creditor, Discover and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with Discover to no avail. This is damaging to my credit and preventing me from future financing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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: Problem with personal statement of dispute

Complaint:
I XXXX XXXX, am writing this letter today in reference to my Experian credit report. After reviewing my credit report, I noticed Experian still Chose to continue to report XXXX XXXX XXXX as a negative remark on my report. I disputed this item on XX/XX/XXXX and today XX/XX/XXXX, I received my results as UPDATED. I contacted XXXX XXXX and was told that that no longer have the acct. XXXX [ customer service rep ] informed me of a different number to contact with no further response. I contact Experian back and spoke with XXXX, he stated that it was sold to another Lender.
Because this account was included in my bankruptcy on XX/XX/XXXX, I would like for this account to be removed from my Experian credit report. It has already been removed from XXXX and XXXX credit files. I need this item removed because it is hindering my process to prove that I am credit worthy. 

PLEASE REMOVE IMMEDIATELY and THANK YOU in ADVANCE 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 2017-07-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved from an apartment complex at which I had lived for about 15 years. I gave the complex more than 30 days notice. They contend that I needed to give them 60 days notice but could not produce an updated signed lease that stated that a 60 day notice was required. The complex says I owe more than 30 days rent, even though I have the required 30 days notice and the apartment was rented soon after I departed. The complex then sent the file to a collections agency called FCO ( www.fco.com ). I have asked FCO to send me validation/verification of the debt. A couple of times they sent me something illegible ; another time they sent me a lease that I had not signed. <P/>The have reported the collection account to my credit report and it is affecting my credit and lowering my score.

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 2022-04-28
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
I already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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