BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
As of XX/XX/2022, Equifax removed all inaccurate information from my credit File. 

On XX/XX/2022 I checked my Equifax credit file again and it showed that all the inaccurate information was removed. 

On XX/XX/2022, I checked my Equifax credit file again but this time all the inaccurate information was being reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TN
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:
On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX was contacted several times over the refund of {$700.00} transfered to XXXX  XXXX XXXX account in XXXX due to erroneous transaction made on XX/XX/2021. There was no validation about the transaction by XXXX and as a result the erroneous transaction was made to the wrong account. The first inquiry was made within 14 days of the transaction and I was promised immediate resolution of the issue. However, with almost a year and confusing statements made by XXXX representatives over multiple enquiries, the refund has not been processed and XXXX has failed to initiate any contact to me over these enquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: Genesis FS Card Services, 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: Old information reappears or never goes away

Complaint:
In accordance with the fair credit Reporting act CB INDIGO, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, SPS I did all I know to do to resolve this issue, I went to my lender got help per divorce degree I was given one year to get the mortgage out of my ex-husband 's name. My modified loan was given to me on my income I have been with XXXX staff for 11 years, The bank required my divorce papers to let me continue with my modification I started with only my income and the payments were done off of that, My ex-husband would have never qualified he makes XXXX to XXXX, I have done everything the bank asked, he quick deeded his interest I pay the taxes I am the only one since XX/XX/XXXX who has tried to take care of this, At this moment NV is flooding my house has water up to the subfloors for 15 yrs I kept flood insurance, since I 'm unable to get homeowners insurance and I 'm unable to continue with a modification that was illegally canceled per court order I 'm left again me and my house held hostage by my servicer, I had no idea a bank or a servicer did not need to obey a court order from the state of NV. I will go get my divorce papers modified, my ex-husband will be held liable for going against the court order and for my servicer I have never turned my back on you or my mortgage, I just never knew a servicer did not need to follow the same law as I do. I am sorry we could not fix this sooner. I will write to my NV congressman and ask why judges write such orders in divorce and servicers and lenders do not need to obey the laws that all of us in America half to obey or go to jail. I never stopped trying to fix this mess I could have done so years ago why no one from SPS or XXXX told me about what my ex-husband had done with our mortgage I would have fixed it please understand my frustration. 
XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
2.5 years ago I went to XXXX and leased a van after them telling each month it gets report to the credit bureaus! Well now that my van is almost paid off i went to try to get a newer car and found out they never put one payment on my credit! If they can repo my car if i dont pay and put it on my credit why are they not showing me paying every month on time?

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 2022-10-02
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello CFPB and thank you for the assistance. Randolph Brooks Federal Credit Union or RBFCU has done a poor job managing my card, and an even poorer job responding to my requests for help. I had XXXX credit card with RBFCU, and because I didnt use it at XXXX point for quite some time, they understandably closed it. I had no problem with this, and when my card was used again, they reopened the account which was fine too. What my issue is, is that this happened about XXXX more times ( and deactivation occurring XXXX times as quickly as any other account Ive ever had, for no usage ). Each time, they reported this closure as a new account closure to the credit bureaus. It now appears that I have XXXX closed accounts, which I believe is adversely affecting my credit score. I asked for help and they told me to contact the credit bureaus, and the credit bureaus told me to contact RBFCU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with PNC bank under a {$400.00} checking bonus offer. All of the requirements were met in XXXX, and the required time has passed but the bonus was not honored. I contacted the bank and it seems as if they have, and possibly never had, any intention of honoring the {$400.00} bonus used to entice me to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.

Company response to consumer: Closed
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MI
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 have tried several times to get XXXX to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from XXXX stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on XXXX. Experian is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. Experian reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXX XXXX and XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. 
They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the consumer.

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 2015-09-07
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our mortgage with Quicken Loans in XXXX XXXX. We had the money to pay it down under the 80 % required to avoid a PMI payment, but the money was not liquid and would have been difficult to get immediately. The broker informed us that the PMI payment would drop off as soon as our LTV was under 80 % ( or possibly 78 % ). We then proceeded to pay down the mortgage as we said we would, and it was under 80 % right around XXXX of XXXX. 

We notified Quicken Loans that the loan was under 78 % and they told us that they could not drop the PMI without another appraisal ... ... just 3 months after the loan was refinanced. Without this appraisal they now intend to charge us PMI insurance until XXXX, when the PMI would have dropped off naturally. 

This is a 15 year fixed mortgage and the LTV is currently around 75 % based on the original appraisal. Nothing has happened that could possibly decrease the value of the house between the refinance date and when the principal was under 78 % ( or the present ). The real estate in my area has also had no major fluctuation in that time. 

I believe the mortgage broker was deceptive and should have informed us that this could happen. We were very clear about our plans to pay it down and our ability to pay and our plan to pay it off within months. We could have sped up the pre-payments to be under whatever deadline they have assessed here. If we would have been informed then we could have also paid the money up front and avoided this all together. We had ample savings at the time the refinancing was done to pay it down at the time of refinancing, and can prove this. 

I also believe the servicing department is being oppressive by requiring an appraisal just months after the refinancing. I could pay the appraisal fee and let it go, but I 'd rather make a point to file a complaint in hopes that other people do n't get cheated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: VA
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 act XXXX Account # XXXX h

as violated my rights. 15 USC 1681 Section ^02 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MI
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:
I checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX dealership to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2015-08-27
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I was XXXX I set up a student XXXX PNC Checking and Savings Account. I was told I would never be charged a fee for this service since I am a student. Last XXXX PNC upgraded my account and changed the terms and conditions of my account without telling me or having me sign anything. I called and they said they sent me something in the mail and that 's all the notification I needed for my account upgrade. They never did anything besides sending this letter, which I never received because I 'm at school, I was never asked to sign anything to agree to the new charges and terms and conditions to my account. I was charged {$15.00} a month for an account that I never signed up for. PNC admitted it was a mistake for my account to be upgraded and said they would only reimburse me for XXXX of the XXXX+ months I was charged for having below a {$1500.00} minimum. I have never had more than {$2000.00} in my account at a time. PNC admitted it was a mistake and refuses to reimburse me for this fraud. They lied to me and waived my account terms and conditions as a student without my direct knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: OH
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, On XX/XX/2019 I applied for a united mileage card that had a promotional to receive XXXX bonus miles after purchases of XXXX and XXXX credit off first airline purchase. I had enrolled in the United airline mileage program, off the airlines website and the promotional populated with the promotional that I previously mentioned, then I applied. The website approved me for the United explorer mileage plus card. So, I purchased my airline ticket believing I will get the XXXX credit off my first statement purchase. Calling Chase, they told me I did not qualified due to the promotional was not for this card. So, there website approved me for something other than I was applying for. I feel like this is a bate and switch. The supervisor refuse to honor the promotional and I closed all my accounts with them. I have up loaded a picture of the promotional XX/XX/19. Please look into this. Thank you for your time and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Check N Go has cashed a check against the bank account of my deceased father, XXXX XXXX XXXX. The check in question was written on a date when he was XXXX and the dollar amount of the check does not match his hand writing. 

When I contacted Check N Go, no loan was found in his name when they searched by social security number. 

The deceased has a bank account at XXXX XXXX Bank in Indiana. 

The check was written on XXXX/XXXX/2016, the deceased was XXXX and in hospice care on this date and passed away on XXXX/XXXX/2016. 

The XXXX was deducted from a Social Security deposit made to the deceased persons account on XXXX/XXXX/2016. These monies were refunded to the Social Security XXXX as expected upon notification of death. 

The check should have been returned to Check N Go for insufficient funds in XXXX and not resubmitted in XXXX. Further, there is no evidence that my father, XXXX XXXX XXXX held a payday loan for which he would have been liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: LENDER LIVE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called into to cancel my payment due to fraud. Dated for tomorrow. I was advised that they would cancel it tomorrow once I called in with my new payment. I explained several times I wanted it cancelled today. I was advised she could n't or would n't do it. Then told due to my delinquency I would have to speak with management. I asked why it could n't be cancelled was told I needed to set something up. Her name was XXXX the debit payment was never cancelled after again explaining it would n't go through due to closing out that debit card. I felt like my checking information was held hostage with nothing for me to do except comply with their demands. I called back to speak with a rep and asked their speedpay policy. All she could tell me was it depends on how far past due you are. I flat out asked could they cancel my payment and was told I still needed to speak with a manager. I should n't and wo n't go through all these hoops to cancel a payment. If I needed it cancelled it should have been done. I planned on calling in tomorrow to set pmts up with my new checking information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation