BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX from XXXX XXXX XXXX sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to XXXX XXXX XXXX  and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD XXXX for XXXX XXXX XXXX  on XX/XX/2020 regarding XXXX mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with XXXX XXXX XXXX  in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and XXXX XXXX XXXX  in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX  XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX  XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for XXXX XXXX XXXX. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for XXXX and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, XXXX XXXX XXXX  responded to my emails and said that the mortgage company for XXXX agreed to remove the negative reporting that my mortgage was late XXXX XXXX  since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because XXXX mortgage dept was taking too long to respond to me. However, the letter XXXX sent in response to my better business bureau and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. XXXX XXXX XXXX   mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to XXXX in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for XXXX in XX/XX/2020 and not my second mortgage company. I need XXXX to do what they said they would do, remove the negative report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tina Bank Loan # XXXX To Whom It May Concern, Im writing on behalf of my mom. My mom is a XXXX year old woman who has lived in her home 29 years or more. She and my dad, XXXX XXXX purchased this home in XXXX for {$87000.00}. The address of the home is : XXXX XXXX XXXX, XXXX, SC XXXX. On XX/XX/XXXX, I called TIAA to inquire as to the balance owed. I was told by XXXX, the house was refinanced in XXXX with an amount of {$60000.00} still owed. I remember a refinancing to get a lower interest rate but no equity was dispensed. And if my mom received money for upgrades to the house, please give check # and the amount of check issued in XXXX, XXXX. She had nothing on file. The bank of record at that time wars Everhome Mortgage. So with a 30 year mortgage and no equity withdrawn, the house should be paid for. With her still owing {$60000.00} that means only a $ XXXX went toward the principal. I need some assistance. Ive been added to her account, so there is no privacy laws at risk. I can be reached at XXXX or XXXX. 

Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Commonwealth Financial Systems, Inc.
State: NJ
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 response to closed complaint number XXXX - the name of the debt collector was incorrect in my complaint, not sure how that happened. Again, this {$75.00} is not even the issue, I can pay it just to rid myself of this paid debt, but now it 's gotten personal. I paid this in 2012, we proved it back then, and it reappears every other year, then goes away, but this time it 's not. The name of the debt collector this year is COMMONWEALTH FINANCIAL SYSTEMS, it changes frequently. Like I said, I can pay this easily, but now after wasting so many hours trying to get rid of these pennies, I feel they owe me XXXX  dollars or more for my time. I would like to reopen the above case number and file the complaint on the correct debt collection company.
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having problems obtaining my corrected and updated audit request from XX/XX/XXXX. Steps taken were requesting an in person meeting, appearing to the in person meeting and following up on my request in XXXX. 
I was told that my audit was completed and mailed XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive. 

I would like to know all history disbursements and their paid dates, assessments, fees, monthly payment amounts for all audit years, payoff date and payoff balance.

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 2020-06-21
Company: JPMORGAN CHASE & CO.
State: OH
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:
So on XXXX, I was approved for a Chase united card with a XXXX limit to it, I was financially stable and reliable to be able to withhold such card and my credit was intact to be able for lenders to trust me. So when I first received the card I took it slowly started using it for everyday gas purchases etc. Keep in mind it was around the holidays a time where items were cheap when I got approved so it was great timing. So my family all have work to do on their laptops and my brother is about to become a XXXX  in hs and they all need new laptops so for a gift I wanted to gift them some XXXX  like 2 XXXX  and with the card I received, I wanted to use that since I wan na build rapport with the company show how much more reliable I am. So knowing it was going to be a big purchase I called chase card services and let them know hey this is the purchases don't block the card but it ended up blocking it while in the XXXX  XXXX  I stood on the phone for more than 30 min trying to get it solved just to find out my account went under review for a fraud alert even though I verified everything was me and I was going to make a big purchase. My account went under review for 10 days so I couldn't use my card. Still wanting to get them a gift I did the same process called right before inserting my card this time to make sure it was ok and I got the go-ahead and my transaction was still blocked just to find out my card went under review again for the same thing. So at that point, I'm frustrated unable to use my card for another 10 days. After the 10 days is up I decided to go get some gas by this time I had already made the purchase for the XXXX  in cash and didn't get the cashback or rewards I would've gotten using the card and found out that they closed my account only finding out when my gas transaction got declined. I called and was told they closed the account and weren't able to tell me the reason and as well as canceled banking relations with me which is absurd because nothing wrong was done I didn't have the card for more than a month and with the closing affected my score drastically and brought my score down hurting me from even proceeding on with my life if I needed my credit for anything. I'm a reliable lendee always made my payments on time with my cards and as well as been banking with chase for 4 years and nothing was done wrong now I can't open a credit card account nor a regular checking they closed me from everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 at XXXX, I was called from the Citi bank representative ( male ) fraudulent department, phone number ( XXXX XXXX XXXX ) about our checking account suspicious activity. The amounts of {$500.00}, {$5000.00}, {$2500.00}. I was told that somebody was trying to use XXXX for these transactions. 
I was not aware of any of these transactions! I agreed that with the help of the Citi bank representative my debit card was canceled. I was instructed to login to my XXXX Citi bank app to use XXXX to reverse XXXX of these transactions that already was in transit for the amount of {$2500.00}. I followed the steps and I was told that within XXXX - XXXX hours the amount of {$2500.00} will be safely back in our checking account. The amount of {$2500.00} never came back. 
When the money did not appeared back into our checking account, we immediately stared to dispute this fraudulent act with the Citi Bank, we called many times, we send a certified letter. 
We received responds from the Citi Bank denying our claim. Citi Bank never ask to provide any of the information. 
I'm kindly asking this agency CFPB to help us to resolve this fraud and help us to get the amount of {$2500.00} back to our checking account. 
Respectfully, 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 2022-01-24
Company: Specialized Loan Servicing Holdings LLC
State: MN
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:
Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with Specialized Loan Servicing. I have talked to Specialized Loan Servicing who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both XXXX and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the XXXX documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.

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 2022-01-24
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX Bill got sent to collections agency for {$590.00}. I do not not have I ever had an account with XXXX XXXX XXXX. This is the second time this has happened.

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 2021-01-19
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:
Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XX/XX/XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XX/XX/XXXXto XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XX/XX/XXXX, Equifax and XXXX XXXX respectively through a XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the Federal Deposit Insurance Corporation has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am trying to understand why Navient is hasnt paused my student loans payments. I thought that Biden placed a hold due to Covid until this XXXX. Although, I have been continuing to make these all throughout this time, they have continued to charge late fees and now have a Collection Agency calling me on their behalf. I admit that I have been late and have requested forbearances however, Navient have also deferred/forebear some of my loan payments without my request or approval. I also, do understand how my original principal balance is {$20000.00} and I have paid them a total of {$33000.00} ( XXXX, XXXX principal and {$21.00}, XXXX ) and I still have 10 years of payment to go at {$310.00} per month. I believe because cause of false deferred payments they have put me a cycle where I will forever be paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called repeatedly. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries only. Dating back onXX/XX/XXXXuntilXX/XX/XXXX.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 2 times XX/XX/XXXX & XX/XX/XXXX 6. XXXX 7. XXXX 8. XXXX XXXX XXXX I 've noticed many unknown inquiries surfaced on my credit report while I was out of the country for long period of time. When I got back in to town and checked my emails I 've gotten several alerts from an Equifax monitoring product I purchased & noticed XXXX inquiries. This has literally been the 30th time I 've sent out certified letters that I had to pay out of my own pocket, documents over to the equifax headquarters seeking some help, phone calls and was hung up on by several customer agents in the Consumer Dept both male & female. They we 're very disrespectful. I have been a victim of identity theft in the past. Equifax is aware of the errors of inquiries on my credit report but refuse to do anything about it. Well since they 're not doing their job I 'm going to make sure that I file a lawsuit against Equifax and various companies. I contacted each company but no one respond with no documents, no validation of any signatures, no possible way a verbal verification holds up against The FCRA, I know my rights and it 's been more than a month ago errored inquiries reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.

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 2017-07-25
Company: Avid Acceptance, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX   XXXX ,    2017 I w as hit by a drunk driver and the damage of this accident resulted in my car being totaled out ap prox  X/XX/2017  b  y  my insurance comp any. Avid Acceptance has reported me as late on payments ( have only one late payment history with t hem up to this point ) all the way fro m  XX/XX/XXXX  throu gh to   XX/XX/XXXX   even though they where well away of the accident and the fact that the insurance company is waiting on them, they continue to delay on providing a letter of guarantee to my insurance company. There has been no contact with me despite my attempts but continue to report me as late on my payments. I have disputed and the results come back stating they are right in their reporting. I do n't understand how they are right in their reporting and how the reporting can be considered accurate.

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 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
A charge of {$300.00} was made for XXXX XXXX XXXX bill pay on my credit card. I do not have XXXX XXXX XXXX I called Bank of America XX/XX/XXXX and a women reversed the charge. and I got a letter. XX/XX/XXXX ( Attached ) One XX/XX/XXXX I get another letter saying now they put it back on for the reasons in the letter XX/XX/XXXX I call them again, speaking to a young women who tells me they have until XX/XX/XXXX to respond, I got no answer. I called again spoke with XXXX and a Supervisor. They also claimed to not have gotten the first letter. I also called XXXX XXXX XXXX to see if I could get a letter saying I don't have an account which because I don't they won't give me one. They tell me they will resolve it before XX/XX/XXXX. XX/XX/XXXX I send another letter ( attached ). XX/XX/XXXX I get the letter saying that While I personally didn't make the charge ( s ) we confirmed it was made by an authorized user on the account or someone who has permission to use the card. I called again, this time they reopen again, I asked who is this person so I can go to the police, I am told they don't know, I say give me the account number you paid to the XXXX XXXX XXXX bill pay. They say the can't. All letters are attached. I am a one person home and no one has my credit card information.

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 2022-05-04
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under SBNASELFLNDR  30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

Company response to consumer: Closed with explanation