BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/19 we began escrow for the property at XXXX XXXX XXXX XXXX. XXXX CA, XXXX. A home inspection was done by a third-party inspector, XXXX XXXX on XX/XX/19. The inspection showed that the rood needed repairs for missing tiles. There were electrical splice issues found in the attic and the light switches in bedrooms did not work. I requested to my realtor that repairs to the items mentioned previously will need to be repaired before moving in and finalizing escrow. My realtor, XXXX XXXX assured my daughter and me that repairs will be made by the time escrow is closed. We took XXXX XXXX word that repairs would be done by the time escrow was closed and we were moved in. On XX/XX/19 we  closed escrow on the property and became the owners. XXXX did not hand us the key. The key was left hidden in the backyard of the home. Once we got inside we noticed that repairs were not made and found even more damages such as structural cracks on the side of the home and the backyard. The window in the bonus room is cracked and the vent to the fireplace is also inside of the bonus room which raises health and safety hazards. The bonus room is also an illegal add-on which was not listed in the property listing yet the square footage was added to the property listing. The home has been red-tagged by the gas company because the gas valve was broken and causing a leak. There is rain behind the wall in the bonus room, the ceiling also leaking in the bonus and in the garage. This home was purchased under an FHA loan. All of these repairs are unacceptable under an FHA loan. I have reached out to XXXX XXXX XXXX    manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX and she has been no help to the matter. I only want the repairs to be made and I have been given the run around by XXXX 's team, the lender XXXX XXXX at XXXX XXXX XXXX and the escrow company XXXX XXXX XXXX. I am filing this complaint for help because this was an unfair deal, I would never purchase a home with this many issues. I have attached the closing details to the home in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has an inaccurate account on my credit report listed as a bankruptcy. I disputed this account with Transunion on several occasions and they did not send my dispute to the listed furnisher of information within 5 business days as required under FCRA. I wrote a letter to the US Bankruptcy Court, that Transunion has listed on my credit profile to question them about verifying the inaccurate account and communicating with Transunion. The US Bankruptcy Court responded to my letter on XXXX XXXX, 2016, and stated that " We do not provide specific verification of any data with any person outside the federal government ''. The letter goes on to say that credit bureaus access XXXX to lookup bankruptcy information. This evidence shows that ( 1 ) Transunion did not contact the courts about my dispute as they are required to do under the FCRA, ( 2 ) Transunion is listing the courts as the furnisher of information when they clearly are not. The bankruptcy is not accurate and it should be removed

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 had a security freeze since 2018. I had a temporary lift for a few days. 

I wanted to confirm that my security freeze is back on. I have not been able to confirm via the menu prompts, as it only asks you if you want to add a freeze or do a temporary lift, it does not give you an option to confirm your freeze is in place. 

I have not been able to get through to a real person in order to obtain the info I need.

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 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My name is XXXX XXXX and on XXXX XXXX of 2016 I filed a dispute with Transunion after spotting inaccuracies on my credit report for a collection by the name of XXXX account number XXXX. After receiving the results from Transunion that they verified the collection I reached out to the collection agency with a validation letter and never received a response from them. So once again I sent another dispute to Transunion on XXXX XXXX 2016 with proof the collection agency had received my letter and never responded, Transunion yet again verified this inaccurate medical collection. Transunion 's refusal to properly investigate is a violation of the FCRA and FACTA.

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 2022-06-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account at Wells Fargo has been under fraudulent activity. Someone withdrew {$5000.00} US dollars 9 separate times over a span of two weeks before I noticed. They withdrew the money to a company called XXXX. I filed a claim to Wells Fargo on XX/XX/XXXX and heard back today that they do not have dispute rights to do anything to recover my funds. This is absolutely unacceptable and I am out my entire savings.

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 2019-08-21
Company: RENASANT CORPORATION
State: MS
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:
Had some things sit up on auto pay such as car payment, life insurane, phone bill etc.This was in XX/XX/2016 car payment XXXX, car insurance XXXX, phone bill XXXX something don't no about life insurance asked the XXXX XXXX branch for that information because that card had got canceled and was told some checks had come back and I no that shouldn't happened cause it was money to cover it so what's really going on .I need some information on paper to support what's being told to 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 monetary relief
Consumer complaint received 2020-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
NEGLIGENCE COMPLAINT FOR FIFTH THIRD BANK ON FRAUD CASE - I. XXXX I had my Fifth Third Bank credit card until XX/XX/2019. The card was compromised as from XX/XX/2019 to today. All the transactions in the statement were fraudulent and non authorized. 
Fifth Third Bank was negligent which failed to investigate the Fraud charges as F raud, but ONLY the billing dispute.

Fifth Third Bank declined all the Fraud charges and claimed that it had passed the timeframe, when FRAUD case does not have a timeline to investigate. 

It is the Fifth Third Bank 's negligence to disposition my claim was invalid as it has passed the time frame and I did not have the card with my possession at the event of the Fraud. 

There is NO CHARGE BACK REQUIRED, NO TIMELINE REQUIRED AND ALL MERCHANT RECEIPTS ARE NOT VALID PROOF OF THE PURCHASE IN THIS FRAUD CLAIM. 

The Account Holder did not have the card in possession, all transaction as from XX/XX/2019 to the last date of the purchase were FRAUD.

Please carefully investigate the Fraud claim and it IS NOT the billing dispute. I complained about the negligence position, that the Fifth Third Bank took in this disposition and it is the gross negligence. 

I hope that the Fifth Third Bank can re investigate this case and all transactions in a FRAUD claim, not Billing dispute. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My American Express Membership Rewards account was blocked for back office review since XXXX, 2019. It has been 4 months ever since, and I have tried to contact American Express multiple time to try to resolve or even to get a status of the review without any success. Multiple front line customer service representatives have promise me they will ask back office to contact me to update me with status of the review but I have never receive any updates. I am not sure why my account was reviewed and blocked, but I would like some transparency on this process and to understand what more they can review my account after 4 months. Since then, I have missed many opportunities to use my earned reward points for multiple travels through the holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you

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 2019-08-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, Back in early XX/XX/2015 I had a bank account with XXXX XXXX  XXXX. I was asked by someone i knew to deposit into my account via ATM a money order for {$200.00} and give them the cash. Unfortunately, i did. I thought because it was a legal looking money order that all was fine. I deposited it, gave her the cash and have found out that it was no good and she scammed me. Not only me, but 3-5 other people and she was caught/arrested. I currently though have a fraud activity on ChexSystems and its causing me major problems. Can you advise or help me on how to get this off my report? I am a victim of trusting someone and am really devastated that this is making ME look like the criminal. Please Help..TY

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 2020-01-16
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:
The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened this account on XX/XX/XXXX - In XXXX I went out of the country and being that the card was only opened one month and the fact that I was away I mistook the due date and paid the statement balance in full ONE day late - was due XX/XX/XXXX, I paid it XX/XX/XXXX. 
They charged me interest fee - I called for a refund and they were only able to do a partial one of {$50.00}. 
I made sure the next month in XXXX to pay on time and the full balance but for some reason I saw ANOTHER interest charge - I called them as soon as possible and they explained that the late payment from XXXX affects me in that I get charged interest for 2 months in a row! After being transferred to a manager, he said there was nothing he could do. 
Today, XX/XX/XXXX I login to pay my bill at XXXX - 45 mins before due date has passed. The app and website show that the payment will only be processed as the XXXX - I called customer service and they advised its because their cutoff is XXXX! After speaking to a manager right away ( still before midnight ) I ask her to help me out as this is technically still before the due date and I hadn't know the rule! She says there's nothing she can do. 

These are my issues - I really hope you cam help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: WA
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 called into Experian and submitted some disputes, the rep at Experian claimed he couldn't see some of the information that I was talking about. There seems to be something going on with Experian 's system, as I have reviewed paper copies of my report vs online copies and the information isn't matching. This is causing me some issues, and I wonder if this is happening on a larger scale?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Risecredit, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). 
My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX  Payment, and Rise Confirmation of XX/XX/XXXX Payment ).

On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on  XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. 
As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email from Synchrony Bank that indicated " A Trial Deposit Has Been Successfully Made to Your XXXX XXXX '' I do not have and do not want an XXXX XXXX account. 

There is no phone number to contact this " bank '' and the email indicates the mailbox is not monitored. 

I believe ANY company that opens an unauthorized and unrequested account on behalf of a consumer is committing identity theft. 

I want someone to contact this " bank '' and demand that they stop this practice. A quick XXXX  search indicates I am not the only one to receive this phishing email.

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 2015-10-30
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I defaulted on my mortgage XX/XX/XXXX with Central Mortgage. The property has been occupied by a known person that has not paid rent or local taxes or utilities, which now have tax and sewer liens The property is valued at XXXX XXXX. Central Mortgage has not filed for foreclosure after 6 years, going on 7 years. I have called the attorney XXXX XXXX repeatedly to ask them why, and they said they have not had direction from the lender. I filed BK in XX/XX/XXXX and as a result, I am no longer financially responsible for the property, however due to mortgage banking underwriting requirements, without a sheriffs deed, I can not purchase another property. I had a catastrophic event in my life in XX/XX/XXXX that caused the default. I have rebuilt my life, re-established my credit, have strong income and would like to buy a home. However, XXXX XXXX has been negligent in not foreclosing on this property and allowed a family to essentially " squat '' in the property for the last 5 years. I am aware of them living there as they used to be family friends. After the property was vacant and no one from the lender took an interest, they moved in and have lived there since XX/XX/XXXX. The mortgage is approx. XXXX XXXX and the property taxes are $ XXXX. As a result of Central Mortgage negligence, the property has multiple tax and county tax liens, remains on my credit, prevents me from moving forward in my life and from obtaining home ownership again. 
My calls to the legal firm have been ignored, calls to the lender are not accepted. Please help me contact Central Mortgage. If I had the financial resources, I am sure a class action lawsuit against this lender would find hundreds of borrowers such as myself stuck in this state of not be able to move on. After 6 years, why cant this lender foreclose and take possession of the property. They are violating the rights afforded to me under the BK laws, which they seems to care nothing about. 
Thank you for your time and service. The CFPB is the reason consumers have a voice today. 
My name is : XXXX ( XXXX ) XXXXProperty address:XXXX XXXX XXXX XXXX XXXXCurrent address:XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Been long time good customer with XXXX XXXX since 2011 and was charged annual fee of {$45.00} my account has been paid off for awhile, I do n't even use this card. I noticed the charge called asking them to waive it for me and neither the customer service or manager would do anything for me so I closed the account. Very upset I have to pay this {$45.00} fee when I was just charged and not even going to use the card because I closed the account. NOT HAPPY!!!!

Company response to consumer: Closed with monetary relief