BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job a few months ago I started to get unemployment so I call the mortgage company to let them know the situation and that at this moment only income that I have coming in is my unemployment to see if they will work with me but that did not happen so because of that I fallen more behind on my mortgage now it's been 7 months since I mad a payment on my mortgage I called the company every chance that I got to see can I work out something and they refuse all they talk about is me paying all the seven months and all the fees that call mes with it over {$7000.00} money that I don't have at one point they put me on a payment plan that I could not afford because only thing I was getting what's the {$510.00} from unemployment they had me on a repayment plan off almost {$1300.00} a month something that I could not afford and now I am pending foreclosure now I am working full-time 40 hours a week and they still refuse to assist me no matter what I do no matter how much documents I show them about the job they just want to foreclose on my home to a point now that I am going to file for bankruptcy to keep my home. They receive all this bailout money and still refuse to help homeowners that is struggling to keep their home and make their monthly payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Universal Capital Services, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I started the refinance process in XXXX of this year, XXXX. We own a property that has a private mortgage with a balloon payment end of XXXX. We have to refinance or come up with about $ XXXX. The company, US Mortgage Line connected us with XXXX XXXX. 
We received our first list of approval contingencies on XX/XX/XXXX and it asked for the basic items ( signed forms, W2, DL/SS cards, Tax returns, Letter of explanation, Mortgage Statement, bank statements ) .. we provided everything as soon as requested. 
The contact at XXXX XXXX, XXXX XXXX, kept telling us we were good to go, kept giving closing dates, and then the dates would pass. XX/XX/XXXX he suddenly requested documentation or spreadsheets showing 12 months of satisfactory payments. My attorney provided him verification the mortgage is in good standing and has been in good standing. Still, no closing has happened. 
There is no reason for us to get pushed around by this company. We have always responded with the information and documentation requested. We have signed at minimum 5 sets of closing disclosures in preparation for a supposed imminent closing. But still, no closing. The last time I spoke to the company, XXXX 's boss told me I was XXXX for not making payments when XXXX specifically told me to wait since we were closing. 
Our credit scores are in the XXXX, our DTI ( not including all available income ) is 40.67 %, LTV with the recent appraised value is only 68 %. We are in good standing with the private mortgage company and do not deserve this kind of treatment. 
We are in the process of applying at another lender, but felt it was important to report our experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX BANK XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : BANK OF AMERICA 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 2020-12-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In the Fall of 2019, my father and I co-signed on a XXXX  XXXX XXXX. We were approved for a loan and the account was assigned to Synchrony Bank. The dealership said the bill would be mailed to our house monthly and we could pay with cash or check. Being that is was 2019, I tried to create an online account with Synchrony to pay with a debit card or bank account, and it said my account number was invalid. So I knew from the get-go this was going to be tedious. I mailed two payments in before I moved to a new apartment and my address changed. I attempted to submit a change of address form and never received another piece of mail from Synchrony again. I called multiple times but there was no way to speak to a representative without an account number which was invalid and I didnt have! Right as this downfall to mine and my fathers credit began, so did COVID-19. I lost my sales job, and my dad, who is an XXXX  XXXX, had XXXX calls. I was unable to pay rent much less my motorcycle. I put off attempting to contact Synchrony until the pandemic subsided or until I could find another job. I am now employed XXXX  and ready to pay my bills to rebuild mine and my fathers credit, which Synchrony destroyed, and my credit report said they CHARGED OFF and CLOSED my accounts. It also said they didnt even receive the two payments I sent them and that Im a YEAR behind. I cant even get in touch with these people. Its made me not even want the motorcycle anymore and makes me sick to think of it when Im riding but I will literally pay these people weekly out of my checks instead of monthly in order to get things on track so it will fix my dads credit. I dont even care about mine, he worked YEARS to get his back up and Synchrony destroyed it. I dont want a huge ordeal, I just want them to contact me and work with me so my dad doesnt suffer.

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 2023-03-28
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I'm XXXX, I have a card, I've bought it for a long time, but I can't use it, I don't know the reason, I know there is XXXX dollars in my card, I contacted the card customer service number and they told me they will mailed A new gift card to me as a replacement card, but it's been a month and I haven't received a new gift card, and I called back but they asked me what is the serial number on the back of the card, I provided my card serial number before they mailed me a new card, when they promised to mail me a new card, I thought the original was useless so I threw it away which I didn't need in the process of using the card, the gift card website just asks us to keep the card number and date, security code, but I didn't receive my card, and they couldn't help me. This card is a birthday present from my boyfriend. Its been a few months, how can I ask him to give me the receipt of the card, this request is simply too unreasonable, but incomm company clearly promised me to provide me with a new replacement card, but now I have not received it, this is a disservice to consumption cheating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone debited checking without authorization in Texas and I live in Ohio. I called chase and reported it immediately. This claim was filed in accordance with regulation E and I still expect my money to be returned me because now this account is negative and I haven't been compensated. Chase has yet to provide a reasonable explanation on how I was in two places at once. Account # XXXX and Claim # XXXX is the information I have regarding this. It's not fair that I'm without my money and I will most likely end up in Court because I dont owe Chase a dime when they flat know I was in Ohio and this fraud happened in XXXX . Imagine trying to explain that one to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX Account # XXXX, 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 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 2018-04-11
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My wife and I received a letter dated XX/XX/2018, that all of our accounts, including my daughters savings account, were being closed. There was no reason given, and I attempted to find out why and was shut down. I have requested a copy of my report from XXXX XXXX, and as of now, have no idea why my accounts were shutdown. I have not overdrawn any of my 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 2018-03-04
Company: TD BANK US HOLDING COMPANY
State: NY
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:
The complaint is about an interest that TD Bank is charging. On XX/XX/2017, I made a transaction at XXXX store, the amount was {$310.00}. The day I made the transaction, I called the bank and I told them to not let XXXX take the money on my account because the phone I purchased I did not take. So, I called TD Bank many times, they told to wait until XXXX take the money and they are going to start the dispute. When XXXX took the money in my account, I called again to let them that XXXX already took it from my account. As a result, the bank provided me the case number. The bank asked me to send them the receipt of the transaction, I sent it by fax. A few week later, they told that they closed my case. So, I had to solve the issue with XXXX. Since that day, TD bank sent a bill of the interest that I have to pay them, if I do not pay, they are going to give my name and information to a creditor. TD bank did not solve my problem. Last month, I paid the {$310.00} to the bank. Now that XXXX refunded my money, the bank is still send the bill of the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On day one i am contacted by the scammer via XXXX saying that he has got an employment offer for me. He talks and behaves like a hiring personnel, asking me questions similar to interviews. Later he says that I am hired and now the company will send me a check which will have a partial amount as my sign up bonus and another amount is supposed to be sent to vendors who will provide me with my work from home equipment. ( total check amount was {$3900.00} ) On the second day, I receive the check and as usual I go ahead and deposit the check using a mobile deposit method. Now, as per the bank procedure, the balance is made available on the third day. Then after the balance is available, the scammer again asks me to make the disputed transaction via XXXX ( {$700.00} XXXX and XXXX ( $ XXXX {$1500.00} ). I follow innocently. 
On the fourth day I received a notification that the check had been returned and so I contacted the scammer again to know what went wrong. I am not given a fruitful explanation and rather I am told that I will receive another check to compensate for the inconvenience. 
This is the whole scene. For your reference and as a proof, I can also attach the XXXX  chat backup which I took. Please be considerate enough to look into my case. I am an XXXX  XXXX  here and this is something very scary. I request you to please be lenient and help at your best.

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 2023-03-28
Company: EQUIFAX, 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: OH
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:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, and other Metro 2 Compliance requirements, parroting an e-Oscar system does not constitute a due diligent investigative effort. For instance, to no avail, I have made repeated requests to receive a description of the procedure used ( or documents used ) to determine the accuracy and completeness of adverse trade lines and collection items. This request obligates credit reporting agencies to provide consumers with the business name and address ( of any debt furnisher -- serviced in connection with collection information ) ; and, the telephone number of the debt furnisher. 

Still, if an account or trade line is modified ( with updated balance information ; i.e., validated ) or deleted, carbon copies are required to be sent to each credit reporting agency ( with whom the debt furnisher has a reporting relationship ). Again, because there is no evidence of Metro 2 Compliance ; i.e., viewable carbon copies, I request the above errant trade lines removed. Currently, as noted, this credit reporting agency is in violation of the letter and spirit of the following statute : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall provide to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if available. 

Finally, an itemized list of charges, fees and etc ... does not prove or offer evidence of a debt. Regarding the above-alleged trade lines and collections, to prove debt and consumer reporting agencies ' findings, I formally request evidence of my wet signatures.

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 2022-05-16
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lost job due to COVID, missed a couple of payments and now they want to take the house. 

We make less than {$2000.00} a month and they want us to pay more than {$1700.00} a month for our mortgage. 

I am a veteran and have not been treated fairly. 

My original mortgage was {$21000.00} in XXXX and now we owe more than {$22000.00}. 

We do not want to lose our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: MD
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 a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation