BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a visa credit card account with First National Bank of Omaha. I could only access the account and received statements for the account online via website with login credentials. I lost those credentials in XX/XX/2018 and since then have not been able to access the account. In mid-XX/XX/2018 I received notice of civil action from the county court of PA stating that another company XXXX XXXX XXXX XXXX is suing me for what they allege to be the balance of that cc account. I do not know nor have ever done any business with XXXX XXXX XXXX XXXX. When I contacted the First National Bank of Omaha, mid-XX/XX/XXXX, to resolve the account they said the account was already sold and they could not provide any further information. Both First National Bank of Omaha, and XXXX XXXX XXXX XXXX failed to notify me of the outstanding balance or the sale. Neither First National Bank of Omaha, nor XXXX XXXX XXXX XXXX contacted me otherwise regarding the outstanding balance or the sale. The civil complaint is the first notice of this outstanding debt. Additionally, XXXX XXXX XXXX XXXX is attempting to include their court costs and fees to the alleged outstanding balance. I did not authorize First National Bank of Omaha to sell my personal information to XXXX XXXX XXXX XXXX or any other company. First National Bank of Omaha should have contacted me before selling the debt and allowed me the opportunity to resolve the debt. I would like to resolve this matter without additional or unnecessary costs, and without unfair legal proceedings or reporting.

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 2022-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a student and I have an account with Bank of America. My account was compromised and a deposit was made to the account. The person/s who made the deposit attempted to withdraw the funds using a debit card. The transaction did not go through because in the interim the bank placed a hold on the account. my payroll goes into the account and is being held by the bank

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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX I received convenience checks from Chase to get 0 % until XX/XX/2020 so I needed to pay off a bill with the green sky so I wanted to increase my credit limit from $ XXXX {$10000.00} .. I called and they approved my credit increase it was excepted through my statements and my digital app! ..after I used the check to XXXX XXXX XXXX  XXXX A month later chase dropped my Credit line back down to {$7700.00} saying it wasnt approved properly. after I paid the amount now I am over my credit limit and my credit score took 100 point drop.. my credit score was good like a XXXX and now is like XXXX they told me that I would have to reapply which doesnt make any sense because my credit score is already ruined also they did a hard inquiry to approve the increase which means if I reapply that would be too hard inquiries which is also damaging to your credit report XXXX I tried calling and nobody could resolve my issue saying that I would just have to reapply I dont understand why I should be penalized for something somebody did or didnt do from Chase ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: Central Portfolio Control Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They just keep calling 10 plus times a day no message and when I try to complain I get put on hold and never get a live person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Investment Retrievers, Inc.
State: AL
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 attempted to communicate with Investment Retrievers on numerous occasions dating back to XX/XX/XXXX. In XX/XX/XXXX, I retrieved a copy of my credit reports and noted that this company was reporting an entry on my credit reports that had inaccuracies. To that end, I submitted a letter to them dated XX/XX/XXXX. I did not receive a response from this company. Please note that I have never did any business nor have I ever signed any contracts with this company. My second attempt at communicating with this company was as recent as XX/XX/XXXX. In the letter that was sent, I again requested that the company provide documentation to support what they were reporting was validated. To date, I have not received a response. 

Also note that I have disputed this entry with XXXX and XXXX alike, yet they confirm that it is verified. My question and concern is how are the bureaus receiving notification from this company to the extent they are able to verify the account entry, yet the company has failed to respond to my disputes on multiple occasions. Additionally, duly note that ALL correspondence I sent was sent certified with a return receipt. Investors Retrievers did indeed receive the letters, yet they did not respond and have not responded to date. 

As such, my request is for this erroneous, inaccurate, unverifiable entry be deleted from my XXXX and XXXX reports. XXXX deleted this inaccurate entry in a previous dispute, which again raises concern as to how and why these other two bureaus are still reflecting and reporting. 

DELETE THIS ENTRY IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Union Home Mortgage Corp
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been going back and forth with XXXX XXXX XXXX  XXXX about two late payments that are showing on my credit report from XX/XX/2017 and XX/XX/2017. I Have never been late with my payments and when i spoke with them they claim their system was down and didn't process my payments on time but they refuse to correct the error that was caused by them not me. This has hurt my credit scores in a big way and i need this taken care of immediately.

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 2018-02-07
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon. I'm writing to you today, with the hopes that you will assist me with the finalization of my permanent loan modification. My trial modification plan was completed, after I made my final payment, XX/XX/XXXX. 

Caliber Home Loans has NOT completed the final modification and I've spoken to them on XX/XX/XXXX and today, XX/XX/XXXX - each time I've called, I'Ve been told a different story - that they were waiting for escrow analysis, that they were running title and lien, Etc. 

All of this is supposed to be completed during the final month of my trial modification plan and, as of now, my wife and I are extremely concerned that it will be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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:
On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX  account reporting on my credit file. Every dispute has resulted in Experian and XXXX  responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX  in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that Experian and XXXX  and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.

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 2018-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These two accounts was to be removed due to the age of the account. This account is past 7 years old. By law, u can only have a debt on a credit report for 7 years. Please remove both the following. 

XXXX XXXXXXXX XXXX Acct # XXXX to be removed XX/XX/2018 XXXX Acct # XXXX-Was to be removed XX/XX/2018 2018

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 2021-04-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone hacked my account on XX/XX/2021 and sent {$600.00} to different people ( XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, and XXXX XXXX {$200.00} ) on CashApp. Other withdrawals were attempted but blocked by my bank. CashApp and my bank XXXX  would not reverse the transactions and return the money that was stolen from my bank account via CashApp. They said it was initiated from my device but hackers are spoofing devices to steal money. I advised them of this and I did not initiate these transfers. My bank XXXX  says CashApp will not reverse the transactions and they cant do anything about it. I tried to continue to contact CashApp and they refuse to speak to me about the money that was stolen from my account. 
XXXX : XXXX Cash App Ghosting Response : Subject : RE : Canceling a Payment [ ref : XXXX : ref ] Hi there, While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. 

For questions or concerns outside of this case, please reply back to me here. 

Thanks, Cash Support

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Paramount GR Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 someone opened a joint solar account ( shows on my credit report as a secured home improvement loan ) with the company XXXX using my personal information. The solar loan amount was for {$80000.00}. There were late payments on the account, however I never received a 30, 60,  or 90 day late notice. I immediately contacted XXXX to request a letter of deletion, but was put on hold and finally was hung up on without speaking to a company representative. The loan is attached to a condominium I purchased, and as we all know I am not allowed, peXXXX XXXX rules, to install solar panels on my condo. I respectfully request the assistance of CFPB to have this loan dropped off my credit report as it is impacting my credit worthiness. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My claim was denied I been trying to get a reason why but nobody give me a reason. I been trying to reach the person who denied the claim for 3 weeks calling everyday and leaving voice masseage but she never called back to me. Her phone number is XXXX. This is U.S Bank.I been denied 2 times, the first time the employee on the phone put a wrong information in the system ( different information that I gave her ) and opened the claim as dispute when that was fraud claim. Then the bank charged me 4 overdraft fees and my account been like for more than 60 days because the people in the fraud department don't have any idea of how to handle this situation and I get transfer and transfer between departments.

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 2020-10-10
Company: NETWORK CAPITAL FUNDING CORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Network Capital was refinancing our mortgages. One for our primary residence and two for investment properties. They have co-mingled with settlement amounts that supposed to be paid at the time of the settlement to borrower.

NetworkCapital has over charged us on loan points. The most disturbing point in this transaction, they have changed settlement dates ( after signing refinancing packages happened on XX/XX/2020 ) they asked to resign those packages AGAIN in XXXX ( XXXX ) 2020 and in consequence to it, the amounts belong to borrower were manipulated, and incorrect ; pay-offs original mortgage amounts were reduced, but Network Capital inflated new mortgage loan balance.

Another issue, they overcharged and did not disclosed some fees that over-sudden showed-up on Closing Disclose at the settlement date. Closing Disclose ( CD ) was not disclosed until we were at the settlement with notary : Network Capital would send us electronic CD that NOT the same that we were signing at the table. 

At the end of this transaction each refinanced property mortgage balance would be almost XXXX k larger! 

XXXX document have never been provided at the settlement, only after packages were closed, title company sent it with altered and changed amounts. When we contacted NetworkCapital with complain they provided explanation that even after second time around the escrow accounts were calculated incorrectly and they changed our escrow balances.

One more issue : original Bank payoffs were much less than NetworkCapital established for new mortgage. Just an example : Primary Residence : XXXX XXXX XXXX original bank-XXXX   payoff loan XXXX. NetworkCapital ( NC ) loan went to {$430000.00}. ( NC original loan amount estimate was {$430000.00} ) Same problem for investment properties : XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX -NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX T : XXXX x XXXX XXXX F : XXXX E : XXXX | W :  networkcapital.net Manager : XXXX XXXX - NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX | FL | XXXX T : XXXX x XXXX | F : XXXX E : 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 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being CAPITAL ONE BANK USA NA, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 06 XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}

Company response to consumer: Closed with explanation