BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for Transunion and XXXX. Yesterday I called XXXX because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for Transunion and XXXX. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with XXXX XXXX XXXX I advised I had an account with XXXX XXXX  but didnt own a credit card with them. I called XXXX XXXX  to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with XXXX the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from Transunion put in a request that I didnt ask for to remove my mortgage from my Transunion credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a Transunion agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my Transunion report. But these Bureaus are not customer friendly and a lot of them dont understand English well. I would like to get my credit score points back and these issues resolved. Thanks in advance

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 2015-07-01
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an extension of credit on XX/XX/2022 and received an adverse action letter stating I was denied. 
American Express stated in the attached letter the reasons for their decision was based on items that were on my XXXX credit report. I did not give them written permission for them to access my credit report. Company procedure does not supersede federal law. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that they committed fraud and used my credit card ( social security card ) without my authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-02-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased by Shellpoint Mortgage Servicing in late 2016. My mortgage was set up with an escrow to handle tax payments. The first tax payment was due XXXX and that deadline was missed by Shellpoint. Note that the tax payment due was {$23000.00} and the amount held by Shellpoint already in Escrow is {$34000.00} so there is plenty of my money to pay the bill already deposited. Due to being late that tax payment due has increased to {$24000.00}. I have called Shellpoint several times ( dates may be 1-2 business days off ) XXXX, XXXX, XXXX, XXXX. I have been apologized to each time and they say things have been " escalated ''. I have been told it will be resolved in 7-10 days ( XXXX call ), check is scheduled to go out XXXX ( XXXX call ), and now no one knows what 's going on as none of these things have happened. I have asked to speak to a supervisor multiple times and was successful only once - with a gentleman named XXXX. He was professional on the call & promised to get it taken care of and said he would call me back the following day - the call back never occurred and I was just told by another customer service person my payment would not be going out today as the tax department is now closed for the day. XXXX has been unavailable to speak to me all day today when I 've asked. No other supervisor is available either when I ask. No one can answer if my tax bill will be paid and when, despite Shellpoint having over {$34000.00} of my money set aside for exactly that purpose. If not paid by XXXX there is another penalty raising the bill to {$25000.00}. I am now getting overdue payment notices to my home and also solicitors contacting me to give loans due to my overdue tax status.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XX/XX/16 Balance {$750.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hello, My Capital One credit card account has charged off on my credit report. I did a balance transfer in XXXX XXXX from Capital One to another credit card in order to consolidate. On XXXX XXXX, XXXX, I received my FIRST phone call from a collection agency that works with Capital One. Apparently I have a {$5100.00} balance on my Capital One card and Capital One has not received a payment in over 6mths. This is the FIRST communication I have received from Capital One in regards to this matter. They stated the balance transfer never went through and the account has now charged off. I scheduled payment with the collection agency immediately to pay the full amount that is in sitting in collections. My payment history with this company has been stellar until XXXX XXXX, when I assumed the balance transfer took place. If I would have been informed 30-60 days after missing a payment I would have ensured to take care of the matter. How is it possible that a company NEVER reaches out to the consumer in cases like this? 
Desired Resolution : Correction to a credit report Desired Outcome I would like this charge off removed from all XXXX credit bureaus due to the fact I was never properly notified. My payment history with Capital One has always been perfect until this matter. I feel that Capital One has a duty to contact consumers within 30-60 days of a payment being late in order to avoid situations such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been dealing with this for about three and a half years. I have sent emails and letters to both mortgage companies with no resolution. My mortgage got transferred from XXXX XXXX to Select Portfolio Servicing.  There was a deferred principal balance of {$26000.00} that was canceled from XXXX XXXX. I have the letter regarding the cancellation. XXXX XXXX will not answer Select Portfolios messages I've sent messages and they will not answer mine either. Neither mortgage company is being helpful. I want this amount removed from my file at select portfolio services. it should not be on my balance at all not even under deferred principle. XXXX XXXX will not respond to select Portfolio services. And select portfolio services refuse to take that amount off of my mortgage. I don't know what I'm supposed to do now. If you need a copy of all of the correspondence and the letter I would be happy to send it to you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date 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 2020-09-29
Company: U.S. BANCORP
State: MA
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:
I cancelled my XXXX XXXX credit card on XX/XX/20. Since I live in Massachusetts, according to Part I, Title XX, Chapter 140, Section 114C of Massachusetts General Laws, I should have received a prorated refund of the {$400.00} annual fee. I contacted US Bank multiple times, but they would not provide a refund.

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 2015-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed several items on my credit report with Equifax. The items are not mine. Equifax never sent the results of my disputes. They sent me a letter listing several inquiries that they stated they disputed and that they updated my address. I never disputed the inquires or my address information. Equifax ignored the disputes that I sent. It has been 60 days since my disputes on the Erroneous, inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: NAVY FEDERAL CREDIT UNION
State: AP
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX XXXXXXXX Date Opened:XXXX  Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been disputing inaccurate items on my Equifax credit report since XX/XX/2019. Aside from the fact that they have barely responded, or made any changes to the inaccuracies, I just received a letter stating that my social security number belongs to a deceased person. I reached out to the Social Security Administration and they assure me everything is good on their end. I am outraged that Equifax is making these bogus claims to get out of investigating my disputes and doing their jobs. I have included below the letters I've sent to Equifax as well as the letter stating my social security number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Never received my XXXX airline bonus miles from making my first purchase in XX/XX/2021. 3 attempts made to get my bonus miles from Barclays and still no date or solid answer. The only reason I got the card was for the bonus miles and appears they have no intent in honoring the mileage. The company has confirmed I should have received them but never did yet no on can tell me why. Deceptive and misleading advertising in regards to when I would receive the bonus miles up to 3 billing cycles after my first purchase. 10 months later, still nothing.

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 2020-11-16
Company: DISCOVER BANK
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I submitted documents for a 2nd mortgage to Discovery Home Loan.

After sending all my documents Discovery declined my application on the basis of my home value.

Why they pre-approved me without checking the home value and requested me to send all my paperwork?

The loan has been declined in the basis of my home value and I am upset because they could have check that prior to requesting my documents. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage, original loan was with BBVA, new lender is XXXX. 

On XX/XX/2020 a payment was received by lender BBVA USA covering the total payoff amount to that day : {$250000.00}. 

Although payoff had been made, on the same day, XX/XX/2020, BBVA 's automatic payment system pulled the monthly XXXX payment for my BBVA mortgage in the amount of {$2300.00}. 

After I learned that such monthly payment had been made even if payoff had been performed, I called BBVA and after explaining the situation I was assured that I was going to receive a reimbursement of that monthly ( XXXX ) payment made in the amount of {$2300.00}. They mentioned that it should receive my reimbursement along with the one of my escrow account ( {$8200.00} ) in around 20 business days. Thus, I was expecting to get my {$8200.00} ( balance escrow account ) + {$2300.00} for a total of {$10000.00}. 

Although they had no reason to keep my money I waited for it thinking it is a standard process ( where they profit from their client 's money even if they have no reason to withhold payment ). 

Today, XX/XX/2020, I received an envelope from BBVA with a check in the amount of {$9800.00} ; only the check, NO EXPLANATION AT ALL, failing to comply with their duty of good faith, along other obligations. 

After calling BBVA to ask why I was not receiving my {$10000.00}, the BBVA employee explained that BBVA applied the monthly XXXX payment before calculating the payoff, EVEN WHEN PAYOFF WAS MADE BEFORE ON THE SAME DAY, and when previously another employee of BBVA had assured me that BBVA was going to reimburse fully the " XXXX '' monthly payment. Basically I should have received {$10000.00}, instead I received {$9800.00}.

Company response to consumer: Closed with explanation