BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in XXXX XXXX, Ca and began submitted my loan application on XXXX/XXXX/2020. It is now XX/XX/XXXX about 2.5months later and I am still not closed. They have sent me closing disclosures 5 times and each time there have been errors and it takes weeks each time for them to correct them. Also, keep in mind, your rate is NOT LOCKED and you pay a {$500.00} UP FRONT, NON-REFUNDABLE fee. So you are stuck with them after you submit your application. They did a bait and switch on me after quoting a great rate and terms, the closing docs showed {$1700.00} more in fees. The staff are very courteous and agreed to fix it, but just came back several times with more incorrect docs, stalling the process for weeks each time. The staff seem nice and hardworking, but they are totally disorganized and fail to execute. 

BOTTOM LINE : They are practicing bait and switch, and they will string you along until you give up and accept vastly higher fees or rates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: OH
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 just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.

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 2019-08-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a complaint earlier regarding this matter, the reason I withdrew my authorization was because I received a letter from my previous mortgage company that they accidentally increased my monthly payments by {$180.00} and I also made that payment. so because I made that payment I withdrew my authorization, I did not do anything wrong in that, kindly coordinate with XXXX regarding this. The loan No. is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Convergent Resources, 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:
CONVERGENT OUTSOURCING {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

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 2021-03-30
Company: EQUIFAX, INC.
State: SC
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 XX/XX/XXXX, I submitted a certified letter to Equifax to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Equifax on XX/XX/XXXX. In my dispute I requested for the removal of seven unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. The Equifax website stated that my dispute was completed on XX/XX/XXXX. When I reviewed my inquiries online, all of the inquiries that I disputed were still listed. I then contacted Equifax via telephone to find out why my dispute of these unauthorized inquiries were denied, and I was told that I needed to contact the lenders who reported the inquiries which I had already done. When I requested a copy of the description of how the investigation was conducted, Equifax denied my request and sent me a copy of my credit report in the mail. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted to Equifax by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. I did not authorize any of the disputed inquiries neither did I have knowledge of these inquiries. Equifax denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Equifax violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit 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 2023-02-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was referred to XXXX XXXX  for an XXXX  on or about XX/XX/22. I was written and called once about nonpayment. I told the agent that the VA was responsible for the debt, that authorized the service and responsibility for payment by virtue of a consult which they had on file. The agent didn't seem impressed and let me know in no uncertain terms that what I said was not the right answer, and the conversation was ended. Without attempting to verify what I said, they passed my file on to collections. Medical Data Systems the collection agency then reported me as a bad credit risk on XXXX to all credit bureaus, crashing my credit. Subsequently, I filed a dispute with the bureaus. Medical Data Systems after receiving inquiry from XXXX and the VA then doubled down on their action and informed XXXX at the VA that they do nothing to rectify the discrepancy, and that their action was justified. They continued they would not facilitate resubmitting the invoice for what I thought was personal reasons since the VA agent who sounded confused and dejected never adequately explained. I then went to XXXXXXXX XXXX  and found that the don't have a billing department, but billing is done by contractors at home. A very helpful cashier whom I will not name, put me in touch with another department that seemed equally bewildered vowed to look into the matter. However they couldn't guarantee a positive solution. I would like to know what legitimate protocols they followed in enforcing the action against me, and what I can expect as a fair and just resolution of what I consider a willful disregard for the greater good and reckless administration of power and discretion? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: NAVY FEDERAL CREDIT UNION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
there is a charge I didn't authorize for XX/XX/XXXXXXXX for {$54.00}. this is being done by a supervisor in disputes that has been revising disputes on my account and charging my accounts and compromising my cards. Im going to go into a branch this morning and change my account numbers and credit card number since it's fraud on my account and customer service with navy federal is doing nothing. Im writing because I want this charge of XXXX removed and disputed and new account numbers given to me to secure my account. ive written the security department about this discrimination and no one is responding. this is being done to attempt to damage my credit with these unauthorized transactions. I am being discriminated against because of my race and background. this is fraud and I'm being discriminated against by this supervisor in navy federal in disputes that has access to my account information and keeps placing invalid transactions on my account as an attempt to get me to close my accounts and negatively effect my credit score which im trying to prevent. This is a free country and my first amendment gives right to free speech. I didn't violate any terms of navy federal and can not reach anyone in security to unblock my access to services on my accounts. I'll be going into the branch Monday morning. please remove this charge and investigate this supervisor at navy federal that is clearly a XX/XX/XXXX and a XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MI
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$520.00} XXXX OF XXXX XXXX XXXX : {$0.00}

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 2020-05-26
Company: Experian Information Solutions Inc.
State: OR
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 XXXX XXXX XXXX, XXXX  and XXXX  all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the Comenity units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XX/XX/XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX 's data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.

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 2022-08-07
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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have been a customer of Capital One for a year, I currently have the Platinum Credit Card ending in XXXX. Per Capital One guidelines it stated that after 6 months of positive payment history I would be granted an increase. I have tried 4 times to increase my limit and Capital One has declined all 4 times. I have been a loyal customer for a year. I am very unhappy with the services I have received from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: SoLo Funds Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am 3 days late on repayment of a {$50.00} loan. XXXX XXXX has called me multiple times and emailed every single hour since XXXX. I have also received a text message

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PHH Mortgage Services sent me a notice in or about XX/XX/2019 that they are now the attorney of record in a case, Index # XXXX, Supreme Court, XXXX County, New York. 

NY CPLR 2106 requires a law firm to file an Affirmation stating that they have examined all the documents pertinent to the case and found them to be correct and true. Failure to file this Affirmation has led to dismissal of the case in many instances. PHH failed to file an Affirmation with the Court. 

My case must be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts are reporting on my credit reports, that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX XXXX XXXX, XXXX and XXXXr all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the XXXX units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XXXX XXXX, XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX XXXX   data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.

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 2016-09-22
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage used my escrow account to pay property taxes which were not to be escrowed. The mortgage states I am to pay the property taxes out of pocket. Now, Nationstar Mortgage is raising my monthly payment to increase the amount of the escrow account. This increase is to happen for the next two years or I can pay {$1000.00} up front costs. I believe Nationstar Mortgage should reimburse my escrow account for their error and take the loss. If this would happen, my escrow account would be in the postive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid Citi Bank XXXX XXXX AAdvantage credit card approximately {$37000.00} so I could use the card to pay some medical bills and their website said the funds/credit line was there to use. Every time I tried to use the card the charge was denied. I have spent four one hour phone calls with them and they still have not resolved the issue. They are holding my money hostage.

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