BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance on XX/XX/2021. There was a fee of {$500.00} for the application. XXXX XXXX my loan originator said the process usually 30-45 days. My original disclosure was supposed to be a locked rate at 2.5 %, by the time they got all the documents they said the rates went up to 2.625 % and that I would have to pay more, but they offered to pay a concession. 

I finally got all my documents sent in and verified. I got a call from my loan originator XXXX temple on XX/XX/XXXX to say my loan was ready to go and a closing date for XX/XX/XXXX. I had to review my closing disclosure and it didn't have the concession on it they offered to pay. The closing costs on it included home owners insurance which I already sent them a copy I had already paid it full so it shouldn't have been included in the closing costs. The closing costs also included property tax which was also already paid my current mortgage insurance company, so that shouldn't have been part of the closing costs either. I tried calling about these, and also sent an email to both the loan originator and loan processor and got no response. I've tried calling multiple times and each time they've been unavailable. I've tried calling the customer service department to which they've told me that no one in management was available to talk and they would send an escalation email and I would hear back, I haven't heard back, it's been 25 days and I haven't heard anything back about my closing costs disclosure. My lock in rate expiration date is XX/XX/2021. It just seems like I'm being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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 sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and XXXX and Experian reporting it as closed!

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 2022-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX we called to get help with our mortgage payment as my husband was laid off due to XXXX lay offs he was laid off on XX/XX/XXXX of XXXX the next day my mom passed away and also in XXXX of XXXX my XXXX  grandson was XXXX the XXXX XXXX XXXX  All was brought to Carrington Mortgage as alot had happened in this three months also my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX when we spoke to them i thought they were really helping only to find out that the modification was for a year and were gon na be required to pay a ballon pymt of XXXX by XXXX XXXX XXXX since then we have stressed about how we are going to get this money. Carrington saw the equity in my house and are hoping that we would default and they can sell my house and make money. They were never worried about us saving our house. They were looking out for carrington Mortgage not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Approximately XX/XX/2021 I applied for auto financing with Dealer : XXXX XXXX XXXX 'XXXX XXXX XXXX, XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX XXXX 'S XXXX XXXX, XXXX sent the application to CHRYSLER CAPITALXXXX XXXX XXXX. On XXXX, XXXX 2021 CHRYSLER CAPITALXXXX XXXX XXXX. sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a " Right '' not a privilege. XXXX XXXX BANK, XXXX has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have disputed information with XXXX  XXXX Equifax reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I was pending the credit for account ending on XXXX for {$16000.00}, same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, which immediately said that they were giving me the credit back and closed the case. Later I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department and told them what had happened the night before, and the representative said to call the dispute department and tell them to close anything they had opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the case. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for ten month and something that was resolved and should be resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.

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 2017-06-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through Experian was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning it.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: OH
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:
Dear ma'am/sir, Thank you for conducting an investigation into the letters I personally sent off and said letters there were delivered on XX/XX/2022, according to the representative I spoke to on XX/XX/2022. I am genuinely impressed that you were able to talk to the employees of the original creditor and thoroughly conduct an investigation ( report number XXXX ). 

For my own records, to fully understand the completeness and maximum accuracy of the investigation conducted; I am demanding the " AUDIT TRAIL '' and " METHOD OF VALIDATION '' Pursuant to the FCRA, pursuant to 15 U.S. Code 1681a ( e ) ; What documents were sent to the Data Furnisher and e-Oscar? 
Who did you speak to regarding the inaccurate information youre advertising on my consumer credit report? 
If using any form of Metro 2 Compliance, was it run through e-Oscar?

If an Automated Consumer Verification System ( ADVS ) was used, were corresponding documents I sent out included with dispute? 
Who, and what employees were spoken to regarding this inquiry and what steps were followed to be sure everything being furnished onto my consumer credit report were equitable and fair to me? 

Please note, if ADVS and proper documentation was not sent, or if my letters were assigned the wrong number via e-Oscar that does not, nor has it ever been a fair, equitable investigation to ensure maximum accuracy. This is the information I am demanding pursuant to the FCRA. 
Thank you for reading this and I look forward to your prompt 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 2017-06-22
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo is again manipulating post to my account. Since XXXX XXXX they have taken 35 fees of XXXX XXXX out since XXXX XXXX. That is or XXXX worth of fees. I was one of the victims which they were opening up accounts I never 0pened. This is flat crazy.

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 2017-06-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
i was in XXXX when my car was lost stolen at XXXX XXXX my card was used fraud in XXXX which i never went i called and sent plane ticket to regions they still not credit my money

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
Transunion has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity. 
There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have more than 4 years of credit history with both XXXX  and XXXX but not with Equifax. I am in the process of mortgage application and the lender wasnt able to pull report from Equifax so my application is delayed and my buyer contract will be revoked because of that. 

Both XXXX and XXXX have my credit reports and history and I know my creditors sent my info to all of three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had unauthorized charges on my account at Chase bank. I called claims dept and filed a claim. First they credited my account for the amount of the charges then investigated the charges and reversed the charges without providing a reason why. When i called to understand why i wasnt granted the amount that was taken from my account without consent or even my knowledge they said it was outside of the 60day window for filing claims. The first charge happened on  X/XX/17    for {$33.00}, the second charge took place on  X/XX/17    and i filed a claim on  X/XX/17   . I am not understanding how this is out of the 60day allowance time to file a claim. I am going to contact the companies who made the charges get proof that i did not conduct these transactions then file a lawsuit against chase. In the policies it states that a customer will be refunded for any charges they did not authorize and i am 100 % sure i did not authorize these charges and i can provide proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a certified letter in XXXX and I still have not heard from the credit bureau

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is the second time that I have had to contact the Consumer Financial Protection Bureau over this issue. Here is my story : Transunion had a computer breach that violated consumers under Section  611 of the FCRA. I have been gravely affected. My credit score i s being affected in an extremely negative way as a result. This computer glitch caused all of my inquiries to be deleted. As a result, my  credit score increased. The next week, without notification, Transunion reinserted all of these inquiries, in dire ct violation of Section 611 of the FCRA. I spoke with several different reps. Each rep acknowledged the security breaches which occurred in both  XXXX  and  XXXX , but refused to correct Transunion 's violation of my rights.   I contacted the  Consumer Financial Protection Board , and as a result, Transunion deleted some of the inquires, but not all. My rights are still being violated. I am turning to you once again, in an effort to correct this egregious situation. I am requesting that the below listed inquiries, which were included in my original complaint, be deleted from my credit report.  <P/>  XXXX -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX   XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX ,   XX/XX/XXXX   XXXX - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX    XXXX  via  XXXX   XXXX   XXXX   XX/XX/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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

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 2019-12-03
Company: Experian Information Solutions 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:
A collection agency by the name of XXXX XXXX XXXX, inaccurately reported an account on my credit report. I have had no such business dealings with this company and am therefore asking XXXX  and Experian to remove this inaccurate account information immediately due to identity theft. This has caused a hardship on my report and needs immediate investigative action.

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 2022-04-05
Company: Navient Solutions, LLC.
State: MO
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:
I graduated from school at the end of XXXX and have been employed by the XXXX XXXX  since XXXX. XXXX XXXXNavient serviced my FFELP loans and I dutifully made payments until XXXX. There have been several times I sought information about loan repayment options, but was never told I had to consolidate my loans with the FedLoans in order to be eligible for the PSLF program. The options I was offered all carried higher interest rates and longer repayment terms. When I spoke with someone at XXXX about loan forgiveness, they told me I would have to consolidate my loans with them and then make another 10 years of payments in order go qualify for debt forgiveness. It was heartbreaking, but I went ahead and consolidated in XXXX of XXXX. 

When the PSLF was expanded, I jumped on the opportunity and was initially turned down. Later, I received a letter stating that my remaining debt was forgiven which was great. However, I made well over 120 payments that qualified for forgiveness but can not get refunded my overpayments because I had not consolidated sooner. I did not know this was an option or even a possibility. If I had known, I absolutely would have jumped on the chance to have my debt forgiven. It seems absurd that my payments toward loan forgiveness count, but only count up until they reach 120 and after that, I was just throwing money away. I know you deal with much bigger issues, but this just seems very unfair. Is there anything that can be done?

Company response to consumer: Closed with explanation