BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: TX
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 XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX XXXX  and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged interest on my 0 % APR card for the 3rd month in a row. 

I submitted a claim for the first two months : XXXX The issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: AG AH LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold by Arc Home to XXXX XXXX effective XX/XX/2021. On that same date, my XX/XX/2021 mortgage payment was cashed by Arc Home, as evidenced by the deposit stamp on the back of my check and the funds being drawn from my XXXX XXXX  account on XX/XX/2021. This deposit stamp is the same stamp that is reflected on all my previous months ' payment checks to Arc Home. I have scanned images of months of deposited checks into this same Arc Home account, which I have provided to both servicers. I will attach several months ' of examples, including the " missing payment ''. 

I have made repeated attempts to resolve this matter with Arc Home and XXXX XXXX. XXXX XXXX 's research department responded with a letter that instructed me to contact my own bank since neither mortgage company can locate my payment. Arc Home has never responded other than auto-replies, despite having taken the funds from my bank account and not credited it to the mortgage balance that was transferred on the same date to XXXX XXXX. I have thoroughly reviewed XXXX XXXX 's records and can confirm that the transferred loan balance does not account for the payment received by Arc Home on XX/XX/2021. 

I was required by XXXX XXXX to repay the XX/XX/2021 mortgage payment of {$1100.00} in order to stay in good standing. Having had to pay a second payment was an extreme strain on my family and our finances, as I had just returned to the XXXX XXXX XXXX as a XXXX, and we are facing the new cost of my son attending his first year of college. I simply want these institutions to find my funds and apply them to my loan. 

I greatly appreciate any assistance as both servicers have refused to acknowledge my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: FIRST COMMUNITY MORTGAGE, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX Mortgage and I agreed to a forbearance on my mortgage, then around XX/XX/2020 we agreed to defer the forbearance amount to the end of the life of the loan. Recently I tried to apply for refinancing and credit, shocked to learn that I am unable to be approved for anything because they think I am overdue/late on my mortgage. I investigated and saw that my mortgage statement was showing that I was overdue since XXXX, even though I have been paying FCM every single month on time since XX/XX/2020. The statement even goes to say that if they don't receive the lump sum payment in the amount that I have already been paying them since XXXX, they will assess a fee charge. I called and FCM said they don't handle this since it is now with the " Loss Mitigation Department ''. I called Loss a several time and the only not so reassuring responses I could get every time was that they are " backlogged '' and " hope to have it solved sometimes XXXX ''. That is highly unprofessional and causing me financial losses in the moment when refinancing rates are at its lowest, I am unable to refinance based on something that should have been resolved by XXXX at the latest by FCM. They refused to acknowledge their lack of attention to this matter and the ramifications it has caused upon 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 2018-03-27
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased an item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) online from a website ( XXXX ) on XX/XX/XXXX using my PayPal business debit card linked to my personal PayPal account. The order total was {$190.00}. The item was expected to ship promptly but when I still had not received the item a month later I reached out to the seller. The seller ( XXXX ) responded to me on XX/XX/XXXX. " XXXX  '' from their costumer service department told me he had looked into my order and was awaiting a response from their " fulfillment '' department in order to give me an updated expected delivery date. He said their " inventory systems '' were down for " a couple of weeks '' and consequently asked me to be patient and expect a potentially extended delay.

Since " XXXX XXXX '' response I have not heard further from the company. I took the claim that the order was being looked into at face value and assumed the item would arrive sooner or later. In the meantime I all but forgot about the order until today when I decided to look back into it. I found out that the website no longer exists, and the customer service email address has been deleted. I reached out to PayPal and was told they could not help me since the order had been placed on XX/XX/XXXX and was 12 days outside of their 180 day dispute window. A supervisor from PayPal 's dispute office suggested I submit my claim here.

A cursory review of claims about XXXX on the XXXX XXXX website seems to suggest that XXXX XXXX m.o. was to string customers along the same way they had done with me and to claim that a refund would be granted if the customer preferred to cancel the order, but apparently ( as per the many complaints on XXXX  ) they would not issue the refunds ( customers told " expect to see credit reflected on bank stamens within 5-7 business days '' or similar, but no credit would ever appear ) and the customers only received their money back when their credit card company overturned the transaction. It would seem that XXXX may have been an entirely fraudulent operation but since I was told to wait patiently and only now, 192 days ( 12 days past PayPal 's 180 day window ) do I see that the order will never be fulfilled, I am out of luck and unable to be helped by PayPal or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14
Company: National Collection Systems, 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: Account information incorrect

Complaint:
A check was received by the company on XX/XX/XXXX and it still shows as not paid on my report. The company hasn't responded to me I paid the balance in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: JPMORGAN CHASE & CO.
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:
There are multiple credit inquires without my knowledge XXXX XXXX  XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Their investigation did not fix an error on your report

Complaint:
Equifax is inaccurately reporting a XXXX XXXX ( XXXX XXXX ) account on my credit report. The account is for an address in which I have never lived or had any services. I have provided Equifax with a copy of my lease and statements from XXXX XXXX which prove I lived and had services at a different address during the dates reported by Equifax. I also included a statement which shows I am in good standing and owe no debt to XXXX XXXX. Though I have sent multiple letters to Equifax, the account remains on my credit report as " verified. '' This inaccurate account and the refusal of Equifax to correct their erroneous reporting is causing concrete harm to me financially. Equifax is reporting the account opened XX/XX/2020 so I included a portion of my lease and a XXXX XXXX email which show I lived and had service at a different address during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I had XXXX XXXX ( XXXX ) I HAD to move, PER DOCTORS ORDERS, and requested my service be moved. They tried to charge me {$350.00}, just to move my service. Not because I wanted to move but, because it was MEDICALLY necessary for me to do so. I refused to pay that amount, returned their equipment, and terminated my service. I received an outlandish bill initially. When I called and spoke to upper management, my complaint/case was escalated. I never heard from them again. Then, this ICS Systems popped up on my credit ( XXXX  ), I was told I could pay 30 % and it would go away or, I could continue to let it affect my credit ... I filed a complaint and they won ... Ive had NO CONTACT WITH THEM or XXXX XXXX in years. Recently, I applied for credit ( after 6 years of on time payments ) and was denied due to a recent non payment/late payment so, they took it upon themselves to affect my credit all these years later even though I believed and stated, my initial request to move service was and shoulda been protected by Americans with Disabilities moreover, a company courtesy under the circumstances with a DOCTORS order. I would like these people to stop reporting this as a recent non payment and Id also like to know how or if it can be removed under any Disability Act.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
letters were sent to XXXX, XXXX, and transunion with no response

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 2020-10-15
Company: Experian Information Solutions Inc.
State: OK
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:
On XXXX first 2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.

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 2018-02-14
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2018 Coinbase.com locked my account with no warning and has not provided any service in helping me access my funds. I have taken a serious financial loss as a result of their ( non ) actions. I received an automated email that the name on my bank account does not match the name on my driver 's license, which is simply not true. I've tried upwards of 5 times to contact Coinbase and have this issue resolved but I can't even get a response to an email from them. Phone representatives refuse to provide an estimate of how long it will take them to fix my problem. Again, this is a 30 second fix to verify that my name on my bank account matches the ID I have provided them. I'm taking serious financial loss from their lack of any support at all, and I desperately need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient does not make IMPORTANT information available - it's not available through their website, they do not send me mail or email, and they do not call me. As you can imagine, I was surprised when my Income-Based Repayment plan expired and I received a loan bill for more than half of my monthly income. It turns out that you are supposed to renew IBR plans every year, but I wasn't informed that I needed to, and I didn't know that it had expired until the bill had arrived. Navient gets the benefit of capitalizing unpaid interest on my loan and ultimately costing me more. It's disgusting that they're still doing this after multiple lawsuits were filed ( regarding the same behavior ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FACTS : XX/XX/XXXX received 3 letters for Summit Funding The Home Loan Experts Each of the three letters were dated XX/XX/XXXX and stated my Loan had be transferred effective XX/XX/XXXX and my auto pay would no longer work. 
Each of three letters had the wrong address. 
My previous lender was Summit Funding Inc. and my new Lender is Summit Funding Inc. 

They cancelled my auto pay on the effective date of the transfer which was 15 days prior to letter dated on XX/XX/XXXX and 30 days before I received the letter in my hands. 

I called the numbers on the letter and I was transferred to collections [ I about died ], and they told me they have been calling me and sending me letters about my delinquency. I was absolutely floored. So I looked at their letters they sent in their new online portal and they were sending letter to an address I had prior to the address on the mortgage [ and address I had not lived at for over 6 years, and a different address from the letters received on XX/XX/XXXX ]. I asked when they called me and when they left a voicemail and customer service at Summit Lending said no one left me a voicemail. 

So I registered on their new online portal, and there is absolutely NO other information in there except a new loan number, and a balance due. No history of what happened with my loan being transferred, No payment history. Nothing. I honestly thought it was a fraud. Looking on that new portal I discovered the other Communication that was sent and it was all sent to the wrong addresses, 2 different sets of wrong addresses.

Customer care at Summit was great, however I have a total issue with the communication being delivered. I didn't receive anything from Summit Funding [ my original lender ] nor on their website that alerted me to a change in my mortgage, nothing ported me over and said on XX/XX/XXXX set up new payment on this site. Everything about this operation made me feel like they do not have their XXXX together. Most major companies port you over to the website to log in. 

My other complaint is, to the laymen, selling your loan from Summit Funding to Summit  Funding is highly confusing. Again it feels like you are being shistered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. 

That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... 

XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX  XXXX. This is was the merchant on the fraud alert. 

I did not make any of these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX a collection account appeared on my credit report from Eastern Account Systems of Connecticut in the amount of XXXX. 
The original XXXX was XXXX XXXX. After contacting XXXX XXXX and confirming that I did not owe that amount and had a credit balance of XXXX XXXX. 
I contacted Eastern account Systems to verify the accuracy of the account and complain that no notice or contact was received from the company. After complaining that they were required to allow me to verify the accuracy of the debt. They sent a first contact letter dated XX/XX/XXXX, with an inaccurate amount and the original creditor name and account number. 
After disputing the accuracy with the three Bureaus, Eastern account systems continues to report inaccurate information on my credit report which is a violation of the fair credit reporting act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Its ashame how Im being treated by my bank Im a loyal customer for years I want another credit card but they wont let me have one they first said their isnt any maximum of cards a customer can have but recently when I applied even for a secured card their system and then by letter tell me I have the maximum number of cards which to me doesnt make sense or is fair because they told me their is no limit of cards a customer can have to apply so they are very confusing

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 2021-06-30
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. The letter was sent over 50 days ago and I have not received a response yet. It seems like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted immediately. I demand these accounts be delete it immediately or I will have no other choice but to file for litigation due to the stress you caused me and my rights that have been violated. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation