BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Neat Capital Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Neat Loans LLC, received preapproval and began the home buying process. 

Due to the nature of my self employment, the underwriter requested documentation about my line of work, and other clarifications. After submitting documentation, I was told the underwriter was satisfied and that the loan was approved. This included bank statements, YTD profit and loss statements, client contracts, and numerous other supporting evidence. 

Knowing we received this confirmation that we were approved, we proceeded with the purchase of the home including expending over {$800.00} on fees to complete multiple inspections of the property. 

With only two weeks from closing, I was informed on XX/XX/XXXX that the underwriter who had approved the loan had left the company and that a new underwriter was assigned to my mortgage. I was also informed the new underwriter had reversed the approval and requested that a XXXX tax return be filed before they would approve the loan. 

Unfortunately I dont have the ability to file my XXXX return yet, due to not receiving W2 and 1099 forms from employers. 

I made numerous requests to speak with the underwriter, or provide any documentation that could assist but was unable to speak with anyone else. They have decided not to honor their original loan approval and made false statements about their ability to lend, leading to me losing hundreds of dollars, dozens of hours in time investment, and a lost real estate deal. 

Its worth noting that the lending advisor stated numerous times on the phone that this was the negligence and error on Neat Loans part, and completely their responsibility. Most of these statements were made over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a Visa Gift Card, prepaid and loaded with {$250.00} ( purchased from XXXX in XXXX XXXX, Washington ), that was given to me in XX/XX/XXXX. I tried using the card for the first time on XX/XX/XXXX online, and the transaction was declined. I tried using the card twice in person, once on XX/XX/XXXX and XX/XX/XXXX. After these declines, I tried logging online to XXXX to see what I could find out. 
I was unable to log on to the website, due to an error message saying the card number did not match the XXXX security number ( XXXX digits on the back ). I called the customer service number on XX/XX/XXXX and spoke with an agent. The agent told me the card had been used in person at a XXXX store in XXXX, California. I expressly stated that this was fraud and that I was still in possession of the card, and I am located in XXXX  XXXX. I was told on XX/XX/XXXX that XXXX 's entire fraud system is " down '' and that there was no way for me to lodge a dispute and to call back today, XX/XX/XXXX. 
I called again XX/XX/XXXX, and was told again that their entire fraud system is down, there is no way they an help me, and they have no estimated date of when the fraud department will be back in service. In addition, there was no record of my phone conversation on XX/XX/XXXX where I expressly stated my card had been used in a fraudulent transaction. 
I repeatedly asked to get logged in so I could see a transaction history, was denied. 
I asked for a detailed history on the card ( date the card was registered, who the card was registered to ) and was denied any information, only being told that since the card was now " inactive '' they no longer had access to that information. 
I also asked for an explanation on why the website error told me the XXXX number did not match the card number. They did not have an answer for me. 

I believe that the company sold a bad card, and as I am unable to launch a fraud investigation, I have no way of recuperating the lost funds in the amount of {$250.00}. 

In addition, my co-worker is having the exact same problem with this company. Her VISA prepaid gift card was used on the exact same date ( XX/XX/XXXX ) at a XXXX in XXXX, California.

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 2020-08-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Bread Financial Holdings, Inc.
State: MI
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:
I HAVE BEEN TRYING TO GET 3 SPECIFIC ACCOUNTS THAT WERE PAID AND SATISFIED TO REFLECT THAT ON MY CREDIT REPORT. THESE 3 ACCOUNTS STILL SHOW AS UNPAID CHARGE OFF 'S. THE 3 ACCOUNTS ARE AS FOLLOWS : COMENITY BANK / XXXX COMENITY BANK / XXXX COMENITYBANK / XXXX  XXXX XXXX  I HAVE SENT MULTIPLE DISPUTES TO XXXX, XXXX  AND XXXX  AND HAVE INCLUDED THE PAY OFF LETTERS FOR EACH OF THE PAID ACCOUNTS AND THEY WILL NOT UPDATE MY CREDIT REPORT TO SHOW THAT THESE ACCOUNTS HAVE BEEN SATISFIED. I EVEN CALLED COMENITY BANK DIRECTLY AND THEY TOLD ME THEY COULD NOT GIVE ME A PAID LETTER OR UPDATE MY CREDIT, AND THAT IT HAD TO BE DONE BY THE COLLECTION AGENCY. I HAVE DONE THIS TO NO AVAIL, PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: GA
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 didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 

XXXX XXXX XXXX  XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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:
On XX/XX/21 I disputed this account ( XXXX XXXX ) was reporting inaccurate information ( Terms ) on my report. I have not signed any contract terms with 74 mos. or ever been late on this account. I requested that you verify and update this information and to this day you have failed to resolve this issue. I demand that you update this account to " PAID AS AGREED '' or I will litigate this due to the stress you have cause 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 2022-10-03
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a previous complaint with CFPB and I am asking CFPB to reopen. Paragon Revenue is a Debt Buyer and I do not owe them. I asked for a " signed '' copy of the original written agreement that I owe a debt them. Paragon sent me an XXXX  Health Statement, as well as a printout of XXXX XXXX Treatment and Authorization standard lingo with a printed version of my name, as well as the signature of a witness that is unidentifiable. I do not owe this debt to Paragon Revenue. I had never heard of and only learned of whoever Paragon Revenue is by seeing their name on my credit bureaus accounts. 

The company did not provide me with the documents I requested which is a signature agreement that I " signed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2017-09-11
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I purchased several XXXX prepaid XXXX gift cards from XXXX 's XXXX. Later that day I discovered I lost a card. I called the card customer service number ( XXXX XXXX ). At that time the representative issued a case number and asked me to send copies of the receipt and my driver 's license. I sent the requested information that day. The representative told me they would cancel the lost card and send me a replacement card. 

On XX/XX/XXXX, I discovered that I had the lost card that I originally reported as lost, but I had actually lost a different card. Again, I called customer service. They issued another case number and requested I send them a copy of the receipt and my driver 's license. I did that. 

I have called several times since I reported the lost cards, since I have not received them. Their customer service personnel have been unable to cancel the cards that were mailed to me or mail replacement cards. 

Each card had {$500.00} loaded to them. Again, there are two cards at issue. 

The case numbers : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase Bank - Mortgage for Investment property. 

Chase forced me to pay {$2300.00} in fraudulent charges before approving my mortgage on XX/XX/2022. The bank did not disclose that all collections charges ( even in the situations of identity fraud ) needs to be paid before they can approve a mortgage during the sales and approval process. Only before 10 days from closing date, they instructed me to pay one of the charges and provide dispute report for another charge. Then 1 day before closing, the mortgage team came back to me asking to pay the other charge, else they would not close the loan. They essentially held me hostage - either I pay for the fraudulent charge, or I let go my earnest money ( $ XXXX ) + appraisal fee ( {$550.00} ) + insurance fee ( {$450.00} ) and not close the house. 

When asked about the related policy and disclosure document, Chase mortgage declined to provide the necessary document- they mentioned it got escalated to executive office, I never heard back from them. I know that there is no XXXX XXXX guideline for making all collections payment to get mortgage loan - I closed another investment property in XXXX, 2022 with a different financial services company and they did not require it- they just needed the dispute document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

[ 15 U.S.C. 1681s2 ] ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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: Investigation took more than 30 days

Complaint:
For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60  days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was 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 2022-06-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
THE MORTGAGE COMPANY ( FAY SERVICING ) IS NOT DISTRIBUTING THE SETTLEMENT CHECK. EVEN MORE THEY LAUGH ABOUT JUST BECAUSE YOU ( CFPB ) CLOSED THE PREVOUS COMPLAINT. WHY YOU GUYS LET THEM TO TAKE OVER? DO YOUR JOB PLEASE. HAVE THEM TO DISTRIBUTE THE WHOLE CHECK. PLEASE THANK YOU. ALSO THE DID NOT PROVIDE A DIRECT CONTACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was 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 2022-01-15
Company: NEXA Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern I was coerced into continually running my credit to qualify for a refi mortgage by a loan XXXX named, XXXX XXXX of Nexa Mortgage. XXXX XXXX led me to believe that he needed to continue to run my credit to check for any improvements while knowing that it had no bearing if his company would approve a refi on my XXXX, all the while the continual inquiries on my credit started to affect my score. I was later told by another loan XXXX that XXXX XXXX was only running my credit to fulfill a quote. This type of " baiting '' affects my credit and XXXX 's license as a lending XXXX needs to be suspended. 
Thank you for your attention to this matter, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation