BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Earnest money {$1200.00} XX/XX/XXXX Inspection {$300.00} XX/XX/XXXX Appraisal {$450.00} XX/XX/XXXX Repair on the house that they told me I have to do it before the closing {$480.00} I call them and complain about what happen with the company. homestar financial corporation Georgia I told them that the loan officer XXXX XXXX branch manager of XXXX Georgia mis lead me. He told me I was pre-approved for {$150000.00} but never gave me a pre-approval letter or denial letter. After 7 months working with him he tells me I cant buy the house because I was never approved. So he told me to sell my car XXXX XXXX XXXX and he would give me {$2000.00} credit. He made me a fake bill of sale letter saying I sold a car I told him I got {$5000.00} cash for the down payment. He told me I cant used cash its got to in my bank account thats how he came up with the fake bill of sale. I have the text showing that he tells me to sale my car and tell me about the fake bill of sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14
Company: ALLY FINANCIAL INC.
State: NC
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 called XXXX on XXXX XXXX,2017 he did n't find the account numbers listed no reslove

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 2022-03-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Truist bank formally Suntrust received monies to pay off a HELOC account from a refinance. The monies were received over two weeks ago and cashed ( I have a copy of the cashed check back and front ) over week ago and the cash is still not showing on my account looking like I still owe them money. Despite numerous calls to customer service it is not resolved. I need to know where the money was deposited

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 2022-03-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently had a credit score of XXXX. In XXXX I paid off my car loan in full ; however, to my surprise Experian dropped my score XXXX POINTS. I called Experian to discuss this matter with a customer service representative. Needless to say, the representative was unable to assist me with answers and the phone conversation was unsurprisingly disconnected, with no callback.. I have worked very hard on raising my credit score by paying all my debts on time and to have it decreased by XXXXPOINTS is mind blowing.. I am sure this happens to many other consumers with no legal explanation, which should be investigated. Please help consumers and investigate these tactics by big credit companies its not fair and makes no sense.. I see why its so hard for certain consumers to live the American Dream

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 2022-07-14
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
When I came back from my mission field on  XXXX ,   XXXX  , somebody from   XXXX   XXXX   XXXX   called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least  XXXX  credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency,  XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least  XXXX  more banks. I wrote each bank to dispute the credit and finally, HSBC and  XXXX  did not solve the problem. Particularly,  XXXX   XXXX    XXXX   continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on  XXXX , the bank sent me statements of several months, of which card 's ending is  XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card ,  XXXX   XXXX  . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to open an account at XXXX XXXX myself. I'm a non-resident here in the US, but I have two business in the US. A banker at XXXX XXXX made a mistake filling up my information and this got in the Experian system.

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 2021-02-25
Company: Experian Information Solutions Inc.
State: PA
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:
Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$2400.00} {$2400.00} This is not my account. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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 fraud alerts or security freezes

Complaint:
I have placed a security freeze on my credit report account at Experian in XX/XX/2017, for a {$10.00} fee. I am now trying to temporarily remove this freeze again but Experian 's website is not allowing me to do this, despite that : - all my entered information is correct - there never has been any fraud, theft or other issues on my credit report/info - I provided the correct PIN number that was specifically created for the freeze - the identical information provided was good enough to procure a free credit report on XX/XX/XXXX The website reports that it can not verify my identity and that I have to mail in copies driver license, proof of residency, and SS #. 
This is a ridiculous and onerous request. Sending all this information by paper mail is unsafe. The request is especially ridiculous since I myself have initiated the freeze and have the correct PIN. If setting up a freeze online is possible, it must be possible to also unfreeze this account online. I have recently moved but my new address is a previous place of residence. All my former and current addresses are already known to Experian, as recent free credit reports show. If identity can be verified online for a free credit report, why all of sudden would my identity be not verifiable when it comes to a security freeze? 

I should also state that I only initiated the freeze due to the infamous hacker incident of client data in XX/XX/2017. I find Experian 's handling of this issue unprofessional and exceedingly burdensome ; this is the reason for my complaint.

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 2022-03-21
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 Ocwen renamed their company/merged their company to a PHHXXXX XXXX Ocwen had been successfully accepting payments every other week per bank account for years prior. 
The " new '' company didn't send any new information for months after their merger, etc, and our payments went into a suspense account. Nothing was being applied, but held and then sent back to us, the homeowner, months late. 
The new company then proceeded with foreclosure action and additional fees. 
We hired 2 attorneys to assist AND a forensic accountant, XXXX XXXX, of XXXX MN. We have tried to get help with a Federal Housing Authority, XXXX XXXX XXXX out of XXXX MN. 

We stopped the foreclosure with an Affidavit of Postponement. 

Then, COVID happened AND This company PHHXXXX REZ refuses to provide COVID 19 protection claiming " we, the homeowners '' were past due in the account. 

This company has sent 10 copies of identical paperwork in print so incredibly small that it is unreadable even with magnification to all the people we've previously worked with. We have had letterhead addressed to XXXX sent to the home address. 

There is so much to upload .....

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 2021-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BOA HAS SEN T THE ATTACHED NOTICES REGARDING OUTSTANDING FEES PERTAINING A LOCK BOX. I HAD A LOCKBOX BETWEEN XXXX TO XXXX. I CLOSED THE BOX AND SUBMITTED THE KEYS, IF I CAN RECALL I CLOSED THE ACCOUNT AT THE XXXX XXXX GEORGIA BRANCH OR THE XXXX XXXX BRANCH, KEYS WERE SUBMITTED, I DO NOT OWE THE ATTACHED PAYMENT AND WILL NOT BE RESPONSIBLE FOR THE FEES ATTACHED, .THIS BETTER NOT BE PLACED ON MY CREDIT BUREAU ALSO, IT ; S BAD ENOUGH BOA FACILITATED A FRADULUENT LOAN ON ONE OF MY HOMES, AND SABOTAGED ME BE LOSING ONE OF MY CHECKS I DEPOSITED.

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 2016-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I work for XXXX XXXX XXXX. I had a customer who came in and said they had paid a vendor with their XXXX XXXX XXXX checking account. The vendor took the check to his bank at Chase and they placed a 10 day hold on the funds. The XXXX XXXX XXXX customer came in to our branch trying to see if there was any way the check hold could be released. Explaining to our customer that once the check clears his account we would be able to contact Chase and let them know the hold can be released. The next day when speaking to the Manager of the local Chase branch in XXXX FL. When speaking to him I explained why I was calling and he said that he was told anything about this and that he would n't release the hold. He told me that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the only XXXX banks that do not provide information to him about their clients ( Which federally we can not ) and because of that if any customer comes into their bank to deposit a check from either of these banks he has his staff automatically place a 10 day hold on the funds, even when not warranted. I was appalled at this comment and felt the need to contact you. This branch, and possibly others are places unauthorized holds on account holders deposit accounts and denying them their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company claims I took out a payday loan. I never took out a payday loan. I told the lady on the phone it was fraud, she hung up on me. I asked to get a copy of the bill. She refused. I was threatened with jail time and exorbitant court costs. I told this company to cease and desist they call 20 to 40 times a day. I have had my identity stolen. If they feel this debt is valid it is not mine. I took no personal or payday loans. This is fraud. They refuse to help or send information of account. They threaten lawsuits and jail time. They refuse to identify company ir name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX, I tried several times to transfer money from my XXXX  payroll card to a joint checking account in my name, and it repeatedly came up with an error message in the app and on the website. I tried contacting truist using the online chat function,, they were unable to help and was sent to a different phone line, they sent me to a differrent support line, and all three were unable to fix the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Affirm 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 status incorrect

Complaint:
It shows my account is delinquent but it is up to date. 
I have paid everything on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
These are not my accounts

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 2022-07-14
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I applied for Chase Saphire Card ( via online on XXXX XXXX 2015 ) for which my wife and myself ( both of us got the invite separately ) got the invite by mail. But i was told that they are reviewing it ... now i come to know that they have declined my credit card application. It never happened to me and i am having a credit score of XXXX with credit card utilization of less than XXXX %. The reason that is provided to me " Too many credit cards opened in the last 2 years '' does n't sound to be convincing at all. When i went to credit bureau website ... i do n't find anything which can substantiate the reason from Chase. what 's going on? Moreover this credit card application had made a hard inquiry on my credit report also which will continue for years. Not at all fair or reasonable. After some time ... i applied XXXX XXXX Credit card - which is very much similar to this one and they approved my card ( it was applied after chase saphire credit card ... so they should not count this one ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, INC.
State: IL
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 check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the 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 2015-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were required to get XXXX XXXX from Chase on a XXXX Heloc loan. For the last five years we have been overcharged for this coverage. The coverage is XXXX this year and they had charged us XXXX consecutively for the last five years. Chase is now under a class action lawsuit " XXXX vs XXXX '' whereby it was discovered that Chase, " breached its covenant of good faith and fair dealing, unlawfully required its customers to carry excessive flood insurance for their property, and that it unfairly profited from receiving kickbacks in connection with lender-based insurance including in the form of commissions. ''

Company response to consumer: Closed with explanation