BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted previous disputes with Experian with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and Experian refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to Experian to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.

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 2018-10-08
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Being charged interest and principle on a loan that is over twenty years old.Ca n't seem to contact XXXX XXXX XXXX to get any information about the original promissory note.

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 2018-07-02
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 @ XXXX XXXX I called XXXX XXXX at XXXX extension XXXX is the assigned CitiMortgage Single Point of Contact for my account number XXXX. XXXX XXXX is listed as my dedicated SPOC as recent as Mortgage Account Information statement dated XX/XX/2018. The issue is that my telephone call on XX/XX/2018 at XXXX XXXX to XXXX XXXX was interceded by a XXXX XXXX employee ID # XXXX who inquired as to the reason for my call to XXXX XXXX. In reply I stated that I had some questions which were 1 ) is my account insured by the FHA or VA, 2 ) is the mortgage loan owner XXXX XXXX or XXXX XXXX, 3 ) is there a foreclosure effective date ( s ). But XXXX unapologetically and with a cavalier demeanor dictated to me that those questions should only be addressed by my attorney ( presuming I have an attorney ) directly to the CitiMortgage Foreclosure Attorney XXXX XXXX XXXX because the account is in litigation. On the contrary when I explained to XXXX that I do not understand why CitiMortgage is prohibiting me from seeking answer to the list of questions in my capacity as the account holder ; XXXX authoritatively insisted that I call their Foreclosure Attorney 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 2021-03-31
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
LexisNexis is reporting unverified incorrect erroneous on me after i have asked them to correct the issue and refuses to make the necessary corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX was my mortgage company payment of {$2300.00} was made in XXXX XXXX. Then XXXX realized my loan was transferred to XXXX XXXX and sent payment of {$2300.00} to my new mortgage and XXXX then did not see I had a loan with them ( did not look under my social security number ) then forwarded check to Shellpoint which is my second mortgage. Payment received applied to my principal and monthly loan. I called Shellpoint to have payment sent back to XXXX XXXX and now 4 months later Still no payment sent and now Shellpoint not wanting to give me any answers where payment is and they reversed Money from my principal and money is where?? Shellpoint is not being cooperative. I need answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a Chase XXXX XXXX card through a promotion on XXXX. Problem is, two months in a row, when trying to pay my balance using the Chase online system the first attempt is rejected. I can log in fine, but their system rejects my payment with a message stating that ( paraphrasing ) there is no balance due and I am unauthorized to make a payment. The balance on the card shows up in my account, but their system rejects a payment before interest is due. HOWEVER when I go back into my account and try a second time, I get a different screen that allows me to make a payment. This was not described as a feature of the card when it was promoted on XXXX. Consumers should be able to pay off a balance to avoid interest. This has been the traditional and customary way of credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
In XX/XX/2018, I took an XXXX trip from XXXX XXXX XXXX to my home, and was charged {$130.00} instead of {$58.00}. The {$130.00} XXXX charge did not appear on my Bank of America credit card bill until 42 days later ; and it should have been only {$58.00}. The SAME DISTANCE, reverse trip, which occurred 1 week earlier, cost {$58.00} ; so there is no way that this trip should cost {$130.00}. I disputed the excess ( {$74.00} ) with Bank of America, and they resolved it by offering a courtesy credit of {$37.00}. Therefore, this dispute concerns the amount of {$37.00}, for which I should not have to pay Regards, 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 monetary relief
Consumer complaint received 2018-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My mother is XXXX years old, has XXXX and lives in an assisted living apartment. I have power of attorney for her, handle all financial transactions, and pay all of her bills. My mother 's Chase bank checking account had five ( 5 ) fraudulent withdrawals using QuickPay with XXXX starting on XX/XX/XXXX to XX/XX/XXXX,  totaling {$8500.00}. On XX/XX/XXXX, I notified Chase bank of the charges and that they were unauthorized and fraudulent. Chase froze the account and reversed the charges. On XX/XX/XXXX, I received a letter from Chase notifying us that after their research they were removing the " temporary credit on your account '' and removing the {$8500.00}. from her account once again. 

When I called Chase in inquire about the removal of the fraudulent charges, they advised that they did not appear to be fraudulent because of the IP address. We have NEVER used XXXX and have NEVER made any payments to these individuals before and don't know who they are. 

Chase refused to give us the IP address saying that we would need a police report to get that information. I contacted XXXX County, Texas Precinct XXXX   Constable 's Office to make a report but was told this is a civil matter and they would not open a case. This is not just a civil matter - this is a criminal felony fraud matter on an elderly woman 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC 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 2021-04-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX  This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

6. LVNV funding Balance {$460.00} They claimed this account was collections for XXXX XXXXXXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Townstone Financial Inc
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was Refinancing My Home and the Lender TOWNSTONE Financial , Inc. Forced me to obtain a Appraisal of My Property after I all ready had a recent Appraisal done on the My Property. I had let them know that I was doing some inside remodeling on the Property.

They took a long time to make a decision and waited forcing me to pay a Higher Interest Rate. They came back after the second appraisal was done and stated they were not going to approve my Refinancing on my Property. They stated that My Property was Inadequate Collateral. The Appraisal came back at {$120000.00} Dollars. I only owed a Mortgage of {$45000.00}. They further used a Credit Agency Report from XXXX to deny my application for a Mortgage. My Credit Rating is XXXX Excellent Rating. I feel that as a Senior Citizen I was Discriminated Against and subsequently Denied Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion flagged my account with " XXXXSerious Delinquency '', when I do not have any accounts late and never had. 

Credit Report from TransUnion shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.

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 2018-10-08
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$900.00} loan. I have now paid back {$1500.00} and they are saying my principle balance is still {$690.00}!! Turns out, my interest rate is 501 % and I will have paid this back about 10 times before I have it paid off. I never saw an interest rate before signing. I new my monthly payment was {$310.00}, but I assumed that was until I had paid off the {$900.00}. But it still comes out every month. 

Looks like they are a tribe and say they are not covered under federal law ... 

They are called Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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: Was not notified of investigation status or results

Complaint:
I have filed two rounds of disputes with the credit bureaus and have not received anything from them. How long does this take? They my correct address and email so I not understand why this happening. 
It has been over 5 months and nothing again WHY?????? ... 
How can a person try to fix the credit we cant get he bureau to reply to us. I attached below the disputes. If this does not get me my results I will SUE!!!!!!!

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 2018-07-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
YOUR COMPLAINT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX, collection agency. They are claiming I did not pay for valid services received and are attempting a fraudulent collection by using the credit reporting agencies as an illegal collection vehicle. The original communication was dated XX/XX/XXXX claimed they were collecting a debt for XXXX XXXX and had an amount owed as {$60.00}, they are now attempting to collect {$1600.00}. 

XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX claiming I now owed {$260.00}. I replied in writing disputing their claim. Their reply was a copy of a original XXXX billing dated XX/XX/XXXX, that showed a {$60.00} balance due. They have never replied to my specific written communication to them disputing their claim and asking for further verification, XXXX said they withdrew the claim on XX/XX/XXXX yet XXXX XXXX is continuing to attempt to use the Credit Reporting system as collection technique. 

No specific response to my denial of the debt was forthcoming and as of this date I have not received any further communication from the XXXX XXXX. My only source of current information is seeing their name on my credit report. 

The above is a Scheme praying on consumers.

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 2021-03-31
Company: Navient Solutions, LLC.
State: CO
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:
My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the SOL for this loan. This loan was removed from my credit report several years ago due to the SOL and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to navient to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the SOL to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the SOL and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX to dispute a collection account on a credit report that I settled on XX/XX/XXXX. I wanted to know information on my account the person I spoke to told me she couldnt give me any information on the account because an outside law firm was handling it called XXXX XXXX. 
On XX/XX/XXXX at XXXX I called the law firm of XXXX XXXX and talked to XXXX XXXX transferred me to a different department and I spoke to XXXX XXXX Ext. XXXX she told me the account shows a XXXX balance and I asked her what do I about getting the account closed and settled because its showing I still have a balance of {$550.00}. Then she told me that theyre a law firm and XXXX XXXX XXXX, XXXX does the credit reporting and told me to call them back, but she did email me the receipt which shows a XXXX  balance and the account is resolved. 
Then on XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX again and spoke with XXXX  XXXX and the number XXXX. I asked her about my account and she told me I have to call XXXX XXXX that they have the debt. Then I replied I just got off the phone with the offices of XXXX XXXX ( and that kinda surprised her ) and they told me to call XXXX XXXX   XXXX, XXXX and I told her the offices of XXXX XXXX said theyre a law firm and doesnt report to the credit bureaus. Then XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns XXXX XXXX. Then I asked why cant I have any information on my account then. Then XXXX XXXX transfered me to someone else. 
Then I spoke to XXXX XXXX and her call back number is XXXX. I was basically told the same that they cant give me any information on the account I have to call The offices of XXXX XXXX. Then I told her well XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns The offices of XXXX XXXX then I was put on hold. 
Then I talked to office manager XXXX XXXX from the start she was very and defensive. She told me straight that they only report they only report what was paid and I told her that I settled it so it shouldnt show a balance and that is what is being reported to the credit bureaus. And she told me that Im the defendant and they are the plaintiff and they are not the credit bureaus. Then I said it doesnt make sense the credit reports says a collection account from XXXX XXXX XXXX, XXXX thats on the credit reports something is being reported wrong. Then she just told me she would go to the back and look into it and havent seen any changes or heard anything. 
And note that this wasnt the first time I called I called lots of time telling me they couldnt give me information and the time I refuse to just get blown off I was treated very rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Mortgage continues to charge Mortgage insurance at a higher rate and after 5 years and after I paid over 78 % loan to value ratio. My loan number is XXXX and FHA case number is XXXX. In addition, the premium I was charge was a higher loan balance but since I prepaid, the premium should have been lowered.

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 2018-05-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Unclear / Vague and Misleading rules about ticket exchange.

I purchased a ticket Flight from XXXX to XXXX - XX/XX/XXXXwith return on XX/XX/XXXX ( Ticket # : XXXX ( XXXX ). Method of payment my Delta AMEX ) Cost {$300.00} " Policy stated : This ticket is non-refundable unless the original ticket was issued at a fully refundable fare. Some fares may not allow changes. If allowed, any change to your itinerary may require payment of a change fee and increased fare. '' Due to my sister being in the hospital, I had to change my flight to retrun onXX/XX/XXXX instead. When I called the XXXX support agency, they asked that I prove my sister 's medical informaion, hospital name, etc., in order to the 'change fee ' to be waived. At that point, the return flight on XXXX cost the same as XXXX. The clerk said there would be no extra cost, but then we got disconnected. I called back to get another representative that stated I needed to pay an 'upgrage of ticket ' fee in order to get the ticket changed. I explained that XXXX Medical Policy does not menion any upgrade fee and that it waives the change fee, but the clerk did not want to follow policy. XXXX website : XXXX XXXX XXXX XXXX XXXX  Medical Emergency policy provides flexibility to the return portion of your trip by waiving service fees however, fare differences may still apply. ".

I called back another clerk to see if it was a bad representative. This one agreed with the first representative and change my second part of the trip to XX/XX/XXXX but said that I needed to hold for another clerk to verify the fare difference did not exist. Upon transfer, the next representative said that the price for this new ticket would be ' $ 300+ ' dollars. Which is outrageous. I asked to explain why, and this person again said that they had to sell me base economy and could not sell me a non-refundable fare. None of this is in the XXXX  policy and non of the representatives can agree.

After this conversation, I went ahead and bought my own one way flight back on the XX/XX/XXXX for {$180.00} USD ( XXXX   ).

When flying on the XXXX, I had 2 open reservations to check into. Both tickets were valid and the XXXX  clerk agents were confused why I had two tickets. They eneded up just canceling one on the spot because the system showed that I would be sitting next to myself.

What a terrible way to treat customers and write a bait and switch policy for medical emergencies. I'm extreemly upset at this company. Inconsistent customer cervice, lies about policy, and complete disregard for their own rules.

Company response to consumer: Closed with explanation