BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Select Portfolio Services have been calling me about a mortgage debt that I owed to XXXX. I was told that they debt was transferred to them and that I owed them for debt from XX/XX/XXXX. XXXX billed me for XX/XX/XXXX mortgage and I attempted to pay this debt. 

. On XX/XX/XXXX asked XXXX XXXX XXXX my mortgage payment was not withdrawn from my account. I was told that my loan was transferred to another company. This transfer for servicing or sale of my mortgage did not follow 1024.33 Mortgage Service Transfer regulations. First, I did not get 15 days after the effective date of transfer. I was not provided with an effective date of transfer. XXXX XXXX XXXX collected mortgage payment from me on XX/XX/XXXX and also responded to complaints in the said month. In XXXX I received a call from an unknown creditor who identifies as Select Portfolio Services ( SPS ) informing that I was late on mortgage payment that was due XX/XX/XXXX. The call from unknown creditor came a few days after I asked XXXX XXXX XXXX about why my mortgage payment from my bank account. Regulation XXXX explicitly states that payments are not considered late during the 60-day period beginning on the effective date of transfer of the servicing of any mortgage 33 ( c ). See attached XXXX bill sent to me on XX/XX/XXXX. How could another company state that I owed them XXXX first bill? Automatic payments were set up wit XXXX which shows my attempt to pay this bill. Either XXXX or SPS reported late payments to the credit bureaus. Yet I have no details about the transfer of my loan. This is the only late payment I have on my credit and this significantly impacting my credit score. Was my loan sold. 

When will I get a information from the SPS about the delays of my loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Borrowed {$300.00} from XXXX. Set up payments for {$56.00} bi weekly. First payment started XX/XX/XXXX ans last payment is scheduled for XX/XX/XXXX. I am a resident in Georgia which I thought was a state that prohibited payday loans. So I should not have been distributed this loan or the interest should be capped at a certain amount. I dont feel like I should be responsible for this balance. I never received a copy of terms of loans besides the payment schedule

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: PRIORITY FUNDING, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This entity has a manufactured home title fraudulently registered in my name, in XXXX XXXX, AZ. During the title transfer process, the same entity continuously engaged in forging documents, threats and extreme harassment.The incidents occurred less than 48 months ago. The same lender refuses to transfer any tile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX  XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this

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 2020-07-27
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:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX/XXXX  that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: MN
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:
In XX/XX/2020 I subscribed to the XXXX XXXX service. In XXXX I learned that I wasn't receiving all of the benefits of XXXX XXXX that everyone else was able to. I could not access XXXX on my phone app. I tried to resolve this with XXXX but they didn't resolve the issue they cause. On XX/XX/XXXX, I submit a dispute against the the XXXX charge of {$120.00} for half or {$63.00}. If I'm only getting half the use out of the service, I should only pay half. After Chase notified XXXX of the dispute, XXXX canceled my entire subscription. I learned of this cancellation on XX/XX/XXXX. On XX/XX/XXXX, I sent Chase a secure message to get an address to mail in additional information about the dispute because I needed it updated to a full dispute instead of the half dispute that I originally requested. I attached the documentation supporting this update. I was told I would get an update on this. 
Since that time my dispute has not be updated for the full amount. I am still only getting the temporary credit for the half dispute. I have attempted to contact Chase multiple times and have not got a response to the issue. Chase has claimed their employees are overworked and there is too much work for Chase to handle in a responsible time to get responses to customers. Because I don't want this to get lost in all of the work and high volume that Chase claims that they have, I felt it was best to file a complaint so that I know it will get addressed. I feel like I should just go though CFPB on all of my corespondents with Chase because they seem to play the high volume card all the time. And for my security and not wanting my corespondent to get lost or missed in the high volume, it would probably be best to make sure there is a record of everything with an organization like CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: NY
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: Problem with personal statement of dispute

Complaint:
Me and my wife are both frontline workers, I am a XXXX XXXX and she is a XXXX XXXX. 
We work at XXXX in XXXX, during the entire pandemic we were both overwhelmed doing over 70 plus hours per week. 
We had an oversight on our mortgage payment too chase bank and did not realize we had missed a payment during the month of XXXX. 
As soon as we were notified that a payment was beyond 30 days past due, the amount was Paid Prior too this one missed payment we had never had an issue paying on time and both of us had retained a perfect credit score and overall credit history. 
I have made several attempts to reach of too JPMC and have even try to submit a goodwill letter at a local branch.

I have received negative response from both JPMC and the 3 major credit recording bureau.

The impact of single isolated incident has severely effected the financial security of me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX/XXXX that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to Diversified Consultant on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Back in XX/XX/XXXX I helped the brother of a co-worker for a XXXX work as a co-applicant and did not heard from CareCredit all these years. Later I found out I was late on the payments by checking my credit report on XX/XX/XXXX. I called the bank, filed a complain with the bank indicating that the account was opened only under my name and did not received any communication that the limits were increased from {$1600.00} to {$8600.00} without my permission. 
Since then I called Synchrony Bank on 3 different occasions and every time I was inform that the account was opened only under my name. I had also requested for the account to be closed and instead I received a credit card without any explanation of the reason why I was the only signer and why the limit was increase without my approval.Finally yesterday, I received a phone call from the fraud department and was told to get in touch with the Credit Bureau to resolve the issue of ownership and that I was still liable because I was a co-signer. 
As a retired XXXX  I kept a copy of the original application just in case and upon review of the application and the one provided by the bank, I found out that the income of the applicant was -ALTERED INTENTIONALLY to approve the credit contrary to banking procedures. Thank you, 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 2020-11-14
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've never received anything from this company, and I thought by law I had to be notify at least 5 days before something is place on my credit report. I've reached out and nothing has been responded to and it's making me mad

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been having this problem for over a year with this collection company called pioneer. They claim that I owe them money, but I am currently paying the US department of education for my loans already. They've asked me to submit payment information, I have. I've sent them images of my paycheck garnishing, and they're still trying to charge me while the Federal department of education is already charging me.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
While XXXX  and XXXX  allow you to freeze and unfreeze your credit by logging into your account, Experian does not offer this option and deceptively tries to up-sell to a XXXX product that allows you to freeze and unfreeze your report " in real time '' at the outrageous price of XXXX XXXX/month. 

I then tried to temporarily thaw my credit through the buried page for which you can do this free of charge. I froze my credit back in 2017 and got a PIN from Experian which I had saved in my password manager ; of course, I entered the PIN and it does not work. 

Experian should not charge for the basic service of freezing, thawing, or unfreezing credit. Neither of the other two major credit bureaus do ; they hide the option they're legally required to provide for free after the credit bureaus irresponsibly handled consumer data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

Ally Financial continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

Ally Financial provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item

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 2019-05-28
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I wrote not to long ago and what I write XXXX XXXX. ..and US Bank needs to be investigated ... I know received a letter from US BANK ABOUT LOWERING MY INTEREST RATE MY CREDIT SCORE WAS XXXX .I KNEW IT. .THEY PROBABLY DID THIS TO OTHER CUSTOMERS. .FOR ME TO COME BACK LESS THAN 24HRS AND SAY I CAN'T AFFORD, THE XXXXINTREST.FROM THE BANK AT 5.9 % ..AND DENIED TO. VANQUISH THE LOAN I KNOW THEY ARE CROOKED. HOW YOU CLOSED THIS CASE BEFORE IS BEYOND ME. .XXXX XXXX CASHED MY CHECK AND THE LOAN CHECK. AND TELL ME IT'S GOING TO TAKE 30DAYS.TO RETURN IT. .IT DOESN'T TAKE 30DAYS FOR MY CHECK TO GET TO YOU.SO I HAVE TO EXPLAIN TO THE CREDIT PEOPLE WHY I CAN'T PAY YET. .PLEASE DO SOMETHING FOR THE OTHER PEOPLE TO THEY ROBBED.

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 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
In early 2019 I deposited a check from a company which proved to be no good. Bank of America charged me {$10.00} for the check and closed my checking account. Bank of America then reported me as a perpetrator of check fraud rather than a victim. 
Their false reporting has kept me from opening other bank accounts. 

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 2020-05-14
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, I spoke to loan XXXX XXXX XXXX at Primary Residential Mortgage regarding the XXXX XXXX XXXX XXXX. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Screening Reports Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was denied for housing due to an old judgement. The judgement has been paid and is not report on any credit reports. Unsure of how they are obtaining this information. They do not answer their phone therefore I cant fix the problem

Company response to consumer: Untimely response
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6300.00} -This is not my 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