BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: CORELOGIC INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.

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 2023-08-29
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
LVNV funding has been illegally trying to collect from me in a state in which they are not registered. They have also given my personal private information to two other agencies trying to collect for the same alleged debt. XXXX XXXX XXXX as well as XXXX XXXX. LVNV as the other two agencies are trying to collect in the amount of {$620.00} which is incorrect. They are not licensed in the state of Ohio. The two companies listed also have not sent proper notices instead they demand conststly that i pay and also states once i make my payments in full they will ONLY remove and apply it to LVNV but not the original creditor which is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

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 2023-08-29
Company: Data Mortgage Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Myself and XXXX XXXX representative XXXX XXXX have tried repeatedly to contact XXXX XXXX to resolve the issues with my loan modification. Even logging in to portal for mtg update is not successful!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX my phone service stopped working right after I received an odd text that my Coinbase Crypto Currency account password was changed ( which I did not do ). Quickly switching to Wifi on my phone I could not get into my account with Coinbase plus I then received an email that someone authorized a XXXX XXXX transfer into my account. I emailed Coinbase ( which is the ONLY form of communication for their customer service, they have no live agents which makes the process incredibly frustrating ) and they locked my account. However, with my account now locked I could not get back into it. Over 20 emails of trying to get a password reset link to my email failed.

Coinbase has also confirmed that my account was hacked and provided the IP address that did this ( I will provide that attachment ). I was asked to create a new account where they would transfer funds that are remaining, but I have heard nothing since XX/XX/XXXX. 

So as of this note : ( 1 ) I have no idea what the fate of my {$4600.00} + {$1000.00} on additional XXXX funds that were moved over. Coinbase will not confirm this as of this note 1-10 ( 2 ) I can not access my old account that I have been locked out of ( 3 ) I am not clear what insurance Coinbase has for their customers to reimburse stolen funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX, I first submitted an application for XXXX  Loan Forgiveness. I have been XXXX for XXXX XXXX. My application was kicked back because my chief administrator wrote my end work date was XX/XX/2022 and Great Lakes wrote that a future date could not be listed. 

My superintendent filled it out again this time listing the current date & signing the current date. 

My application was kicked back again because Great Lakes argued I didnt complete section 3 about previous loan forgiveness. That was incorrect and I had the copy proving it was complete. I resubmitted it to Great Lakes with a note saying it was complete. 

Today, I spoke on the phone with a supervisor at Great Lakes after my application was denied a third time because The certifying officials signature date is before the end of the academic year this was exactly what Great Lakes asked them to do the first time they denied my application. 

I spoke with the supervisor nearly an hour. First he argued that my XXXX XXXX XXXX was this year XXXX  We counted together on the phone XXXX, XXXX, XXXX, XXXX, XXXX is XXXX years. He agreed and put me on hold. Then, he told me the application was only accepted after XX/XX/XXXX. I asked where that was written in the document, he put me on hold. He came back after XXXX minutes and said its written on the Department of Education website that only XXXX years can be listed on the application, no more than that. I asked him to direct me to that on the website and he said okay it isnt written there its just a rule. I asked how that is a rule if it is not listed. He told me the only way my application could be accepted if it was resubmitted all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX my account was credited over {$2800.00} from an Appliance company. Unfortunately I had cancelled that debit card due to fraud so that money should have came back into my checking account. Mountain America Credit Union has completely ghosted me and is non responsive to my complaints. They have tied my mine up for months with no end in sight. Mountain America Credit Union wont give me my MONEY. The appliance company provided proof that is refunded my money to XXXX XXXX who works at Mountain America Credit Union, Ive talked to bank employees, bank managers and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i got scammed XX/XX/XXXX XXXX i sent money through Chase bank, couple hour later I realized it was scam, i went back to bank and asked to stop. i was told Chase bank put restrictions on the account and money is sitting on Chase bank. I filed a claim but they keep saying denied my claim even though i provided them all evidence like police report, fbi file report, and conversation between scammer and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX CFPB : I have tried many times talking to WELLS FARGO BANK ( Credit Card Dept ) bur they keep updating the information they reported initially on my XXXX Credit Report, so I decided to close the account. 
This is the way it is reported by XXXX : Account Info WF CRD SVC Closed 3 late payments Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX - Credit Limit {$6000.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They report 30 days late in XXXX and then again 30 days late in XXXX and that can not be correct, if I paid the first 30 days late then it had to be current next month, if I didn't, it would have to be 60 days late they report 30 days again ... then late in XXXX .... 
The Fair Reporting Act says that the information on a credit report has to be timely, verifiable and accurate. 
The information is not accurate and should be removed from my XXXX credit report. 

Thanks 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 2017-04-19
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CitiMortgage somehow became the " mortgage '' holder on my VA loan, possibly/probably illegally, because of illegal title transfer activities. They ignored and violated the original Trustee Rights granted with my initial mortgage/purchase with the VA on  XX/XX/XXXX . In late  XXXX , early  XXXX , I had some financial strains and got behind on my VA loan b y 5  payments. In  XXXX   XXXX , I submitted a certified funds payment to CitiMortgage, which was promptly refused and returned to me. Concurrently with the payment, I made numerous attempts to work through their loss mitigation process.  ( See CFPB  XXXX CitiMortgage Consent Order fo r an example of their " practices '' ). I calle d CitiMortgage los s mitigation fo r 30 s traight days in a row, from  XXXX   XXXX  until  XXXX   XXXX ,  XXXX  and submitted hundreds of pages of " requested/required '' documents. The failed attempts to use their " process '', which was very unfair and deceptive, led to them ultimately foreclosing on my VA loan on  X/X/XXXX , which I feel was their plan all along. This action was illegal by its process and I immediately retained a lawyer and sued CitiMortgage. To date, I have spent over {$75000.00} on legal fees. CitiMortgage had no standing and as it turns out, may have acted on their own and without the consent of the VA. The VA actually and currently owns the home, as can be seen on the  XXXX   XXXX  and the transfer of title, where the VA paid {$10.00} in compensation to CitiMortgage for my home ( copies submitted with this complaint ). In an email ( included with this complaint ), a lawyer representing CitiMortgage offered to transfer the title to me for {$180000.00}. When I pointed out in a reply email, that this offer was illegal and violated numerous Tex as Real Estate laws and could be considered extortion, the offer was withdrawn. We still live in the home. CitiMortgage is now trying to evict u s for a 3rd time, again illegally, because of no standing. I am fighting this eviction and the initial foreclosure and the bullying tactics brought against me by CitiMortgage, but I am sure that I am not alone in this fight. Based on their action with me, I can only assume they have and are still, victimizing numerous other Veterans in the state of Texas. I am working with the VA, the actual owner, to stop the eviction and revoke the foreclosure through the  XXXX   County Court s ystem and The Texas Attorney General 's office, complaint #  XXXX ,  XXXX  of  XXXX  current active complaints against CitiMortgage in Texas. The VA has been very helpful since the transgressions by CitiMortgage have been reported to them by me and I do believe the VA was unaware of the tactics and actions that CitiMortgage was using against me. The VA does not want to hurt Veterans.

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 2023-08-29
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage on my house with ServiceMac has continuously increased over the last two years and is getting out of control. It started at {$1900.00} a month and is now at {$2500.00} a month. The house is worth enough now that PMI should be dropped, but they've refused to drop the PMI. My mortgage has only gone down by {$10000.00} in the last two years, which doesn't make sense with all of the payments I've made. My interest rate is only 3.13 %. It is a fixed rate. I did not do a temporary rate buy down, or anything like that.

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 2023-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I did not talk to any one to close My savings account. My savings account is closed and I did not let authorize any one to close or say yes to close My savings 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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. XXXX XXXX in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20  year ) relationship with XXXX XXXX and would like to amicably resolve this issue.

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