BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have an FHA loan with an origination date of XX/XX/11 and have been paying monthly PMI since then which is about 8 years now. Per online regulations at the time and some real estate help and HUD guidelines, was told that once your " loan to value '' ( LTV ) ratio reached 80 % of appraised value, PMI should be cancelled. 
My house value has gone up considerably and I have written to Carrintgon Mortgage Services couple of times asking to have the PMI removed, they come back saying ( to suit their convenience ) that they will not look at the current value but, the original appraised value. This is really unfair, since when I bought the house in 2011, this was the expectation. 
I have not missed any payments and feel that CMS can not use whatever suits or benefits it to not waive my PMI. This is per HUD guidelines, and it is important that rules also help FHA loan consumers while protecting mortgage companies. 
Thanks in advance for your help in removing my PMI by Carrintgon Mortgage Services and use current value of the house for LTV, with loan origination in 2011 and no missed payments. 
Kind Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may concern, Bank of America has tied me to a fraud account after I paid an account that I owed off. Fraud checks from XXXX XXXX XXXX is what I am accused of into a bank of America account XX/XX/XXXX in amount of XXXX dollars give or take. Of which I am just now discovering after I paid my legitimate debt with Bank of America. I attempted to resolve this matter recently as I am just now finding out about it and I was told, I didn't do it in the 60 day period. My complaint with bank of America began last year in XX/XX/XXXX whom I began my complaint with account closure whom I spoke with team Manager XXXX, in which I explained I was already in debut to bank of America and on XXXX XXXX at the time, this account would have existed he filed a note. I called the Fraud Dept and spoke with XXXX XXXX whom filed claim number XXXX. 
XXXX told me it may take up to 60 business days, I followed up XX/XX/XXXX speaking with XXXX in which she had no update. Finally I called and spoke with XXXX XX/XX/XXXX in which she said the investigator concluded, I didn't complain about it within the 60 day period so it's too late. I attested I am just now discovering any of this and I have a letter from bank of America saying I don't owe them any debt or further debt when I cleared my account in XX/XX/XXXX. She submitted for the investigator and there supervisor to contact me within 3 business days. Neither made contact with 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 2018-02-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had recently filed a complaint about Compass Bank. They were denying me any reimbursement of my personal property that was left in the vehicle after a repossession. They are denying me for the reason that it was not listed in their report. The items were in the consoled of the vehicle and were not out in the open. They can not just donated or discard personal property such as eyeglasses and prescription medication. Those are important and necessary for my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Scenario # 1 On XX/XX/XXXX 3 checks went into my account in this sequence 1st - {$450.00}, 2nd {$53.00}, 3rd {$25.00} which cause me 3 {$35.00} fees. According to Wells Fargo available balance & posting order from page 21, it says, " pay to checks and preauthorized automatic ach payments from lowest to highest dollar amount '' They have done this to me for months. sometimes they do it from lowest to highest and sometimes from highest to lowest. 

Scenario # 2 On Approximately XX/XX/XXXX, I called to replace my account do to a lost check book with unknown number sequence. They mentioned to me that they couldn't replace my account at that time until a new acct representative calls me back. Customer service asked if I wanted to block all transactions or checks only, I requested ALL transactions to be blocked since I couldn't deposit into the account with high risk. Transactions still came in and was charge 4 fees. They  never put an all block hold and they said they couldn't do anything about the fees.

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 2022-11-12
Company: EQUIFAX, INC.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Bread Financial Holdings, Inc.
State: SC
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:
Hello, I am writing because I closed my account with Zales Outlet the XXXX XXXX on XX/XX/XXXX and paid it off in full. 

I began receiving phone calls from XXXX XXXX XXXX to collect a debt amount of {$69.00} and a new statement dated XX/XX/XXXX. On the bill there is an amount of {$33.00} for a previous balance and fees charges of {$35.00}. 

They have reported me as late for an account closed almost six months ago and has now messed up my 100 % payment history for the last XXXX years. 

I was put on hold and transferred three times for someone to help me with this. 

They told me I would have to call a number to request the credit reporting to be corrected. 

I have advised them I WILL NOT CALL ANYONE FOR AN ERROR on their part. 

They are refusing to help me. 

This is a scam and they need to be shut down. 

Please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Company threatening to repossess the vehicle. Filed multiple complaints and retained an attorney. Notified usaa of the attorney. On Saturday usaa removed the debt from my credit report. Company is now refusing to talk to me about the removal from credit report. Willing to pay whats owed but I want an explanation first. Attorney said this is a good thing and good chance now its removal means no longer obligated to pay. I want an explanation before payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax was hacked, and my information may be in the hands of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
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:
I have contacted Equifax on 3 occasions in reference to inquiries I did not authorize. I have also requested a copy of the application, showing my signature and authorization for my credit profile to be issued. I have not received any information as requested and the credit bureau has refused to remove the inquiries from my report. I have provided the bureau with a copy of my identity theft report. XXXX  has investigated the information as requested and removed the unauthorized inquires. I request the following be removed immediately. They have violated my rights under the Fair Credit Reporting Act. 
1. XXXX XXXX-XX/XX/XXXX 2. XXXX/XXXX-XX/XX/XXXX 3. XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX XXXX-XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX XXXX-XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11. XXXX XXXX XXXX-XX/XX/XXXX 12. XXXX XXXX XXXX-XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX XXXX/XXXX XXXX -XX/XX/XXXX 15.XXXX-XX/XX/XXXX 16.XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX-XX/XX/XXXX-listed twice 18. XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX XXXX XXXX-XX/XX/XXXX 20. XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, were made 2 transactions with Citi Dividend Card ( Last 4 Digits XXXX ). On XX/XX/XXXX 1st transaction was made for the sum of {$820.00}, and I was not aware of this transaction until it was put on my account under ( Credit Card # XXXX ). On XX/XX/XXXX Citi Fraud Department sent a text message to my phone IF I did a purchase for {$590.00} from Card ( Last 4 Digits XXXX ). I responded that its not my card and there was no transaction made by me. My card ( last 4 digits XXXX was blocked ). And Citi sent a new card in XX/XX/XXXX ( last 4 digits XXXX ). And transaction for {$590.00} was resolved as not mine Citi Dividend Last 4 Digit XXXX is Master Card isnt mine. 

The card I had first Last 4 Digits XXXX is Visa. 

On XX/XX/XXXX I was at work from XXXX to XXXX, in XXXX, Documents included Purchase was made in XXXX, NY XXXX XXXX After Citi card Security Investigation,  which in my opinion was not made properly, the sum of {$820.00} was added to my account ( Last 4 digits XXXX ) I was proving that Citi Card XXXX isnt mine, and I couldnt possibly be at work and in XXXX at the same time. 



Im fighting with Citi since XX/XX/2019, Calling Fraud Department, Customer Service, Security Department, and no one is responding adequate. No one wants to listen and solve the problem, which was not made by me from the beginning. 



Please help me to resolve the problem Thank you

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 2018-05-08
Company: Merchants Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: SC
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 couldn't make my mortgage payment due to COVID and worked with XXXX to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a disoute with a company for {$300.00}, I disputed this because i did not receive the services. Not only did the bank deny my dispute and take out {$300.00} from my account causing it to overdraft, it also took an additional {$300.00} out that was not even part of the dispute. I am not out over {$600.00} becuase i was stolen from and the bank allowed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Thank you for your correspondence which was forwarded to the FDIC by the Office of the Comptroller of the Currency ( OCC ). You indicated MoneyLion drafted checks out of your XXXX XXXX XXXX account causing overdrafts. You further stated MoneyLion owes you {$280.00} and refuses to return the funds and allow you to close the account.. Moneylion also states they dont have a account in my name yet report to my credit file monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A phantom debt collection agency called Forward Movement Recovery called me today stating that they wanted to get information. They asked me to verify my social security number, and I asked them who they were and if they had a professional license to practice debt collection in the state of Arizona. They refused to provide the license # or give any more information about themselves. After doing research it seems like their parent organization is called World Wide Processing Group, LLC - http : //worldwideprocessinggroup.info/index.html is their website. Numerous search results online state this is phantom debt, scams, etc. I am reporting this company because they stated that they are going to arrest me, and also stated that I owed money on a debt that has already been disputed for identity theft, and was taken off of my credit report because of this. They have called me 9+ times today after I told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been contacted but someone stating they are trying to service me and if I dont accept the service they will contact my work. I have asked what it is about and they will not provide details. They give me a phone number to an attorneys office and ask to provide case id. When I call they ask for details about me other than the case number and threaten to send details to my job. I have also received an email stating that someone is trying to collect for speedy cash. I have attached the email

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. please remove this fraudulent charge from my credit report asap. XXXX XXXX XXXX XXXX BALANCE {$210.00} XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX REPORTED TO XXXX IS NOT MINE. I WILL BE LOOKING TO SUE SOMEONE FOR THIS MISTAKE. XXXX IS REPORTING THE SAME THING UNDER A DIFFERENT NAME. WAKEFIELD ASSOCIATES XXXX {$210.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX. SO THEY HAVE TOO ACCOUNTS UNDER DIFFERENT NAMES THATS ILLEGAL. I AM ALSO A VICTIM IN MULTIPLY DATA BR. XXXX, XXXX, XXXX XXXX. MY HOME OWNER GOALS ARE RUINED BECAUSE OF THIS {$210.00} DOLLAR PLEASE BLOCK FROM MY CREDITREPORT THANKYOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I NEED A PROMPT REPONSE. WAS TRYIN TO PURCHASE PROPERTY ON MY BIRTHDAY XXXX ID XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Go Capital Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is an identity theft account that o have provided documentation for, however the creditor will not remove it fro my account. 

I have provided all information requested to validate my address as well as documentation proving identity theft, however the creditor will not remove from my reports. 

I have also asked the creditor Go Financial to validate however they have failed to do so and it 's been 60 days.

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 2018-05-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I saw an offer for a SPG American Express card with a XXXX point sign up bonus. This offer is available only to those who have never had the card before so I had an online chat with American Express to confirm if I have ever had this card. I have been a client for 20 years so I can not recall every product I have had in the past. The chat representative told me " Please be assure you never had a SPG a personal SPG card '' and " so you can go ahead and use the bonus offer ''. Now months later I have not received my bonus. When I asked why, the reps tell me I had a card many years ago. When I showed what a previous rep said in a chat they launched an investigation on XX/XX/18. I have been following up every week as they suggested but there is never any new information. It's been long enough. The evidence speaks for itself and takes all of a few minutes to review and consider not months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NC
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:
On XXXX I sent dispute letters all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. I appreciate your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: ID Analytics, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Sagestream , LLC on numerous occasions ( website and telephone ) to freeze my credit report and request a copy of my credit report. On the first occasion, I requested a credit freeze via Sagestream 's website and supplied all requested identification information. My credit report appears to have been frozen ( based on interactions with a lender ), but Sagestream never provided a PIN ( or other method to manage the freeze ) and did not otherwise contact me regarding the freeze that I requested. I called Sagestream on two occasions and was passed to voice mail each time. I left 2 voice messages ( with Sagestream indicating that my call would be returned within 1 business day ) for them to return my call, but they never did. 

I also requested a copy of my credit report via Sagestream 's website and supplied the requested identification information. I have not received a copy of the credit report that I requested and my call/voice mail regarding this request has not been returned by Sagestream.

Company response to consumer: Closed with explanation