BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is against BMO Harris Bank. 
I had opened online one year CD with BMO Harris Bank. 
It matured on XX/XX/2021. I called to redeem the CD on maturity, The bank told me that they will send the balance, a little over {$38000.00}, by check and that I should receive the check in 7 to 10 business days. When I did not receive the check after 10 days I called the bank and they told me to wait for another 2 days. When the check did not arrive after 15 days I called the bank again. This time they told me that the check was actually mailed on XX/XX/2021 and perhaps wait for it a little longer. If I did not receive the check after that I would have to sign and Indemnity form and wait for 90 days to get the check re-issued. I asked for tracking number from the carrier so I could find out from the carrier why it was not delivered. It turned out that check was sent by ordinary mail with no ability to track the delivery. The bank would not pay any interest for the 90 days delay. Alternatively I would have to purchase, at my expense a surety bond to receive the payment earlier. Either way the bank is penalizing me even though the bank itself acted irresponsibly in sending the check in an insecure manner without any guarantee of delivery. If the bank is going to delay the payment by 90 days I should at least get interest on 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 2022-04-05
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX  opened XX/XX/XXXX amount {$7400.00} -FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX  XXXX opened XX/XX/XXXX amount {$320.00} - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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:
The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, equifax and XXXX is reporting this account. Yes I have notified them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, Corelogic, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2021-04-20
Company: JPMORGAN CHASE & CO.
State: LA
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:
Ordered appliances with a Chase Ink card that were not shipped as promised. Made multiple written requests to the merchant to cancel the order that were ignored. We advised the merchant we would refuse delivery, if shipped. The item did ship and we refused delivery. The merchant claimed the delivery was accepted, so we disputed the charge. Chase later reversed the chargeback, stating the merchant provided proof of delivery. When Chase forwarded that documentation to us, we saw the proof of delivery was forged with my wifes initials, likely by the driver. Chase provided me with misleading information and told me I could appeal the findings and re-open the dispute, only to ultimately tell me they could not appeal on those grounds, and we have been left to eat the $ XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home a little under  three years ago. The purchase price was {$250000.00}, I made a {$2 0000.00} down payment and now owe {$190000.00}. I have over 20 % equity. I have never made a late payment and I have an  XXXX   credit score. De spite all facts abo ve Freedom  Mortgage refuses to cancel my PMI. I have submitted several written requests, made several phone calls and exhausted all options I am aware of. They keep denying my requests with no attempt of providing an explanation. They only answer I have been able to obtain is that the decision is made by a team of people I ca n't talk to. Please 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 explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 filed a dispute with unauthorized, fraudulent inquiries and multiple inquires and they refused to respond to this and remove them.

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 2017-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about  XXXX    XXXX  , my   XXXX   XXXX    XXXX  mortgage was sold to Carrington Mortgage Services ( Acct. No.  XXXX  ). While with   XXXX   XXXX    XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n (  language to this affect was outlined in our modification agreement ). S ince Carrington  has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with   XXXX   XXXX   XXXX   XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MT
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 contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called Experian several times to have them update my mobile phone. On my report it always gets back to an XXXX  XXXX number ( not US ) which I had a long time ago. As the known phone kept on record is often used to cross-check identities by XXXX XXXX XXXX a wrong data may be a cause of adverse response when subscribing to online products or new card.

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 2021-03-01
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 status incorrect

Complaint:
Please update your records it's been way to long to have this account as still open when it is NOT. Your failure to update is costing me with a higher debt to income ratio XXXX Bank XXXX XXXX was paid off a while ago and should reflect a XXXX balance XXXX  credit card balance is also NOT accurate as well

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 2021-12-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent XXXX, XXXX and Experian a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. 

I then went back to Experian, XXXX and XXXX on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

Experian have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and 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 non-monetary relief
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On   XXXX   XXXX   XXXX     I requested my loans be enrolled in the  Navient AutoPay sy stem. The request was processed showing the  AutoPay wou ld start for my loans on   XXXX   XXXX   XXXX    . However, this loan payment was not processed and th e Autopay did not take effect. The interest rate was not reduced by the 0.25 % as advertised on the website. I made the   XX/XX/XXXX  payments manually on   XXXX   XXXX   through the website, and called on   XXXX   XXXX   to have the  Autopay service enabled on  XXXX  of  the loans. At this time, I also requested forbearance on the largest loan. I confirmed on   XXXX   XXXX   forbearance on my first loan, Loan number  XXXX  and  Autopay en rollment to start on   XXXX   XXXX   for  XXXX  and  XXXX . I also confirmed  that Autopay wo uld not affect my ability to pay the  XXXX  loans currently in repayment ahead. After receive vocal confirmation of all this I concluded the call. On   XXXX   XXXX   XXXX     I called Navient because I logged into Navient.com and saw my loans were not enrolled in  Autopay.  When I reached a representative on the telephone she told me I requested to put all three loans into forbearance on the website. I told her this was inaccurate and I explained I requested the forbearance f or one loan over the phone. I asked for a supervisor and the representative started backpeddling. I was told to  hold for a supervisor. A supervisor was never brought on the line. However, the representative informed me the  Autopay was started a nd would take effect for    XXXX   XXXX   XXXX     . She informed me I would be able to see this on the website tomorrow because I was not able to see any change on the website. The school loans were received through  XXXX   XXXX  University and University  of    XXXX   University  College.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a primary home loan to refinance for a better rate with Navy Federal. I was initially told when l filled out the application lowest rate would be 2.75 and the highest rate would be 3.00 %. I went through all the paperwork and applied for a 30 year as my primary residence. I was asked the same questions twice. I waited a long time and then was told by the second person to manage my loan that the underwriters wanted to write a loan as an investment property. I told the loan officer l have lived at that property for over 15 years. I have a small mother in law apartment that l rent out on the property. It is not an investment property! It is a place of quail and hawk, stag and fox! I told the woman l did not apply for a 15 year investment property loan. I wanted a 30 year mortgage. The exact same mortgage as l currently have with XXXX XXXX! I just received word they would not write the 30 year! I have probably 7 times the income required and credit ratings well over the XXXX mark! It is outrageous and egregious to be turned down with such high income and excellent credit. The process was not smooth! It dragged out and even though ANYONE WILL FINANCE ME, I DO NOT THINK IT FAIR TO HAVE ANOTHER HARD INQUIRY ON MY CREDIT! I only ask for people with some intellectual capabilities to respond and not tell me to " reapply ''!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was told that they was sending me to court if I do n't make a payment with in the hour so I hurry up and set up a payment arraignment because I did n't want to deal with that, all this caught me off guard bc I never recieved any notice until that day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Approximately 1 year ag o Citibank sold  me on taking their   XXXX  progr am which apparently gave me some extra services with a financiaal institution I 've been doing business with for 40 years. The requirement for keeping    XXXX   status was to maintain accounts with  a   XXXX   amount of {$50.00}, which I have done. Today I received a message fro m Citi that the cumlative amount now required has changed to {$20000.00}. It 's not so much that I trasure their gold program, It 's more that I think I 've been taken by very bad custome practices by Citi

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 2023-07-25
Company: EQUIFAX, INC.
State: TX
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The last week of XX/XX/2018, XXXX student loan holders were paid in full on two accounts. One account was paid {$23000.00} and the other account $ XXXX  XXXX effectively paying both accounts off. XXXX has stated they reported these payments to all three credit bureaus, however, Transunion has refused to remove it. 

I have spoken to Transunion over 6 times and provided proof these accounts were paid in full, however, they have refused to adequately report on these XXXX  student loan accounts. 

I am a recent widow and have a child. I applied for a loan and was denied because of Transunion not adequately reporting on these student loans. 

XXXX XXXX cell 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 2021-03-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX from XX/XX/XXXX to XX/XX/XXXX the company has went into my bank account and took out XXXX XXXX and {$60.00} they did it as a form of retaliation because I reported them for committing fraud and going against their fiduciary duties and I made a complaint on them before they disregard the fact that the consumer finance department no one is aware of them robbing me previous time before and they wanted to show me that they don't care what a day would I make a complaint because they're going to do what they want to do and robbed me and no one can do anything about it I don't care if they try to XXXX me a hundred times I'm going to report them a hundred time until they get into their head not to go against their fiduciary duty to respect their client and not to commit fraud they have stolen {$460.00} out of my account in the month of XX/XX/XXXX to the XXXX this year XXXX. So I like to see if we need to look into it and to stop them from continuously looking to commit fraud against their clients go against their fiduciary duties and during the time of Corona during our endemic they're looking to make me more poor than I am now. to not be able to can buy food or to take care of myself or my family [ XX/XX/XXXX, XXXX XXXX ] Chase Bank located in the XXXX new York area bank routing number XXXX Routing number My Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX new York XXXX My email : XXXX Bank account number is : XXXX Name of bank : XXXX Complaint sent to chase bank credit card XXXX : For CFPB there was a mistake made it is not a bank credit card this complaint is about the bank taking money from my checking account. It was meant to say ATM card and withdraw from checking saving account. So I just showed the complaint number of the first complaint and this is the correction to that complaint because it is not a credit card it is the bank going into my bank account and taken out XXXX to {$480.00} from my account the month of XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to the hospital while on duty with the Indiana  XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX

Company response to consumer: Closed with explanation