BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was provided a modification from Ditech with arrears deferred and first payment of {$460.00} was due on XX/XX/XXXX. Ditech did not uphold their agreement of the modification and placed my account in foreclosures before payment was even due. My house was about to sell so I had to filed bankruptcy with Attorney XXXX XXXX on XX/XX/XXXX only to save my home. Ditech said I owed insurance fees back dated from XX/XX/XXXXand the Bankruptcy trustee said that they had to dismiss my case due to I will not be able to afford it. My attorney advised me to come into the office so that we could get the bankruptcy straightened out. In between me getting to his office I had an medical emergency that caused me to be hospitalized for about 10 days and My car also was repossessed due to the mishandling and misleading information. A escrow account ending in XXXX is on my account that I never received any information about or payments that was due to me. The last analysis was did on XX/XX/XXXX. A total amount of XXXX was paid out of the account to insurance on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. After looking through my payment history I see several large amounts being distributed to insurance over the years of my account starting XX/XX/XXXX. 
I filed a claim to have house fixed but claim was denied by XXXX XXXX insurance company provided by Ditech replacement insurance. They also have had my divorce decree on file since XX/XX/XXXXto update my name on file but have not did so as of yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I purchased my home and BMO Harris over estimate my tax escrow amount by {$700.00}. I paid my the total amount due for my XX/XX/XXXX property taxes to the taxing authority in XX/XX/XXXX. They have since paid my XX/XX/XXXX installment and have yet to refund the escrow overage back to me. During the month of XXXX I've reached out to them by phone times and spoke to a rep, and I went into a branch and spoke with them face to face. In XXXX I spoke with another rep over the phone and ach time they took my information down and advised that some one would be in contact with me.Yesterday I called the branch that I went into in XXXX and ask for the branch manager. He wasn't available and a left him a voicemail to which he hasn't yet responded.As of today, I'm still waiting for the escrow refund and for my month payment adjust accordingly.

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/2018 I applied for a Chase XXXX XXXX credit card having a XXXX point signup bonus if I charged {$1000.00} on the card in 3 months. 

The Chase XXXX offer stated : " Bonus Awards. The product is not available to either I ) current cardmembers of any XXXX Rapid Rewards credit card or ii ) previous cardmembers of any XXXX Rapid Rewards who received a new cardmember bonus within the past 24 months. '' I received a new cardmember bonus about 36 months ago so the product should have been available to me. 
My credit score is XXXX ( very good ), I pay all my bills on time, and I do not owe money so I am financially qualified.

I was not approved because Chase said I had too many credit cards opened in the last 2 years. ( See attachment letter from Chase ) This additional requirement was not stated in the offer. The offer was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CCS Financial Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, we moved out of XXXX XXXX XXXX XXXX, XXXX, NH. We informed XXXX of our move then and asked for the services to be terminated. 
On XX/XX/XXXX, we called and spoke with XXXX about the XX/XX/XXXX bill of {$39.00} that wed received since we had previously called XXXX to terminate the contract. 
XXXX informed us that we could not terminate the contract, nor were we able to return any of the equipment. He informed us that we would be charged a termination fee of {$600.00}. We did not sign or were made aware of any termination fee. 
Back in XX/XX/XXXX, we understood that the service we had at our previous address at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was going to be a simple transfer of our services to our new address at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. We never entered into a new contract, nor were we aware of any termination fee. 
We received a collection notice on XX/XX/XXXX from Credit Collection Services in the amount of {$600.00}. We are disputing this bill because we do not owe you any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been charged by Experian {$29.00} for months ( beginning XX/XX/XXXX thru XX/XX/XXXX ) for reporting services never requested. When I called, we were told that someone else had charged this monthly reporting service to our card and because we do not know the person who charged the service ( XXXX XXXX. ), these are fraudulent charges. Per Experian policy they are unable to reverse any fraudulent charges. They asked us to call our credit card company instead to contest the charges and stop payment. 

We attempted to escalate to a supervisor ( XXXX on XX/XX/XXXX ) who only confirmed that the charges could not be reversed. According to XXXX, there was no one with " higher experience '' to escalate beyond her and she was only able to give us a XXXX. XXXX number as the quickest way to attempt resolution ( though she also explained they will repeat what she is saying ). In other words, they will not resolve it. Our bank has agreed to block the merchant " Experian '' as we never have authorized charges with Experian. 

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX ( < -- XXXX said this email will only slow the process as it will simply provide you with above XXXX. XXXX address ) There are similar issues noted on other website : XXXX XXXX XXXX and here is a class action info on unauthorized Experian charges : 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 2019-04-25
Company: First Financial Resources, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : XXXX XXXX XXXX XXXX {$730.00} is charging me this amount that I am not aware of. This item is being reported on my credit report as a collection item by FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Personal information incorrect

Complaint:
This incorrect address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL 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 2018-03-20
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was sent a notice for a Personal loan for Big Picture Loans in XX/XX/XXXX. I took the loan. The lender disclosed the interest in a fashion which stated that 14 % interest was going to be charged. In actuality its 14 % per DAY. So total of 798 % interest. This was never stated.

They never disclosed the length of the loan, which is 18 months. This brings my total paid to them for a {$1200.00} loan to over {$7000.00}. dollars.

I have tried to ask them to take bigger payments to get the loan out from under me. They took the information, then never charged my account that amount. I also tried 4 times to ask for a payoff amount, with each time the words " payoff my loan '' were spoken, they suddenly could not hear me, and would hang up. ( Last time occurring XX/XX/XXXXat XXXX XXXX   CST ). This went on for the entire morning.

I asked one representative what their Business License number was for Minnesota. They refused to talk to me.

I am beyond frustrated with this company, and need assistance to pay this loan off at a reasonable, state allowed interest rate of 33 %.

Thank you for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OK
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:
XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and student loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax student loans from XXXX  where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
PayPal put my funds on hold for a period of 180 days total of XXXX XXXXPayPal stated funds will be released to me on XX/XX/2021. I understood and acknowledged it. Was fine with waiting but in no way did PayPal say they were going to steal my money, on XXXX XXXX PayPal took all my money and is refusing to give it back. I worked very hard to make the little I have and is extremely unfair a large corporation like PayPal just takes customers money and does nothing to fix the issue. Contacted PayPal numerous times and they refused to let me speak to a higher up management, nothing has been done, they dont care. I am extremely unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: NAVY FEDERAL CREDIT UNION
State: HI
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:
XX/XX/2014 I received an unsecured loan from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying the loan off. It became a charge off but it is definitely PAID off now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I recieved a letter from LVNV Funding LLC stating I owe money for XXXX XXXX XXXX ( 2 accounts ) going back to to XXXX and XXXX. I was living with my parents in XXXX and they were established in their place way before I moved in XXXX. I was pregnant and a single mother. Resurgent has sent me another letter due to me contacting LVNV LLC. I  do not owe either debts to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove

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 2019-04-25
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was made aware that LeisNexis is reporting inaccurate information about my driving record after having a substantial surcharge applied to my auto insurance. LexisNexis is reporting that as of XX/XX/2017 I received a moving violation for having been found driving a motor vehicle on a suspended license. This is inaccurate and causing me inaccurate insurance rates. The matter of that date was Driving with a suspended Registration which is not a moving violation, rather an administrative violation. 

I am unable to contest this inaccurate information with my carrier and am unable to receive an accurate insurance quote as a result of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion keeps stating that I have accurate which is not so I can't get it off my credit file then why all 3 credit bureaus have a different balance, last activity, original balance, last payment stated so how it can be verified. Why am I bother disputing if they come back with the same result by saying verified? it's the second time, I filed a complaint against Transunion, they keep all non-account inquiries, employment info, and derogatory accounts that I currently don't own anything at all so how do they verify, and how they assume it was mine? can they prove it was mine I keep disputing for more than a year by now? so It seems never resolved. I am trying to get a house this year It seems like they are keeping me away from purchase a new home this year I do have a lot of positive accounts so what are they keep me from becoming excellent. Nobody deserves to be stuck. You can see that I am trying to get that inaccurate information off my credit file. Creditors can lie to bureaus or keep inaccurate so how it can be verified? if an account is sold then it shouldn't be reused or stay on my credit file since both accounts is {$0.00} and you can see the balance is different and dates as other credit bureaus stated.

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 2019-04-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It is a hard inquiry. It doesn't show any amount or any dates. I haven't checked my credit in years but when I look on my report it's a lot of things i do not recognize at all. I did have someone do some fraudulent things with my SSN.

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 2020-11-12
Company: CREDIT BUREAU OF NEW ULM, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2015. At the time I was unemployed and the bill was to be paid by XXXX via XXXX. I never received a bill from the hospital and was surprised to see the collection of {$780.00} reported in my credit report. The bill has been passed around to multiple collections agencies.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AZ
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've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

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 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX Master Card with First National Bank, account number XXXX was lost or stolen and incurred charges totaling to {$35000.00} statement with due date on XX/XX/2019 Last statement they sent is totaling to {$35000.00} I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019. 
I clearly stated that I personally I have nothing to do with any of charges posted on that card. 
Today XX/XX/2019 I received letter stating that my claim was denied based on the matter that I personally called and confirmed transactions from my phone. 
They provided me with new number XXXX then XXXX XXXX for additional assistance. 
At the time of the claim opening I specifically stated that I never called and confirmed any of the charges. 
I contacted my phone company to find out if technology used today can give access to someone else 's phone without their knowledge and was confirmed that it is unfortunately a possibility. 
I am clearly a victim of identity fraud.

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