BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you 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 2017-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Dear Sir or Madame, In late XXXX of 2016, I mailed a check for {$10000.00} to Chase Card Services ( " Chase '' ) for the balance due on a Visa credit card ( account number XXXX ). On XXXX XXXX, 2016, after confirming with Chase via telephone that they never received that check, and fearing it must have been lost in the mail, I authorised a one-time electronic payment from my credit union to Chase for {$10000.00} ( the then current balance on the account ). The electronic payment was made, and, later that same day ( XXXX XXXX, 2016 ) the check for {$10000.00} was cashed by Chase. I have since contacted them via telephone to request return of the large positive balance in the account, and I was told via telephone they would not do so. On XXXX XXXX, 2016, I sent them a formal letter again demanding return of the outstanding funds, along with a reckoning of the account and its closure. I also advised that if I did not receive a response by XXXX XXXX I would pursue legal action. I have received no response to this letter. I would appreciate any assistance you might provide. I have sent a copy of this correspondence to California 's attorney general ; that complaint, along with this correspondence to you, are the only action I have taken besides my attempts to resolve the matter directly with Chase. I am also seeking to initiate a civil action against them ( I would prefer not to, but I see no other option. ) Thank you in advance for your time and for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Northstar Location Services, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I requested copies of all documentation on file. All I was sent was the cover signature sheets that show XXXX disbursement amounts and they provided zero documentation showing billing proof of record from XXXX XXXX University or the original contractual agreement from XXXX XXXX. I feel there is some seriously fraudulent activity going on here and I am requesting help from the CFPB to review NorthStar, XXXX and XXXX XXXX University. I reached out to XXXX XXXX University and they only provided XXXX document showing XXXX disbursement on the form. They have no others on file which means the additional are fraudulent and need to be removed unless they can provide me the correct information to support it.

Company response to consumer: Closed
Consumer complaint received 2017-02-09
Company: First Direct Lending, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have received several letters from these people that, to the untrained eye, appear to be official documentation from my county. It even says " The Peach State Georgia '' in the top left corner and from " Accounting '' on the front page. I have called them and requested to be taken off whatever mailing list these scam artists have me on and they told me they would n't do it. I am reaching out to you in order to put these scam XXXX in the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: iFreedom Direct Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
on XX/XX/XXXX I call veterans first mortgage to see if I could refinance my property at that time I spoke with XXXX XXXX XXXX, I asked him if I could refinance a property that I had bought on XX/XX/2016 for {$58000.00} and I needed {$4000.00} to paid my credit cards, he told me yes to give him all my information, later he call me to tell me that he was going to refinance the property for {$67000.00}, that i will have to paid {$450.00} for apraisal .I have to used my crdit card for the payment it was denied the apraisal value was way below the {$67.00}, I lost {$450.00}. by been promised that I will get the {$4.00}, at the end I was offered {$600.00} now my credt card is out of my limit Iwill like to get refunded {$450.00} from Veteran first mortgage ... help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: AL
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:
I have submitted disputes to you and didn't get a response within 30 days as required by law to do so. Please investigate my reports please. 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 non-monetary relief
Consumer complaint received 2019-12-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX hi good morning carmax closed the account at the balance {$6000.00} do i pay the balance or ask you guy to remove it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions

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 2016-09-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon calculation of our monthly interest we have discovered that we have been over paying XXXX dollars per month. 

Our Original principal was XXXX@5.07800 % compounded monthly. Which is around {$700.00} / month. 

Upon reverse calculation of the monthly payment we have found out that the rate being charged is 5.4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've worked for XXXX for almost 10 years now. When the public service plan was advertised I contacted XXXX XXXX to ask if I was eligible. I was told no because I 'd consolidated my loans already. So I left it at that but still participated in the IBR plan. Last year, I thought I 'd just check again. This time I was told that yes I would be eligible, but would have to transfer my loan to the government directly, and the almost 10 years of consistent repayment would be erased. Had the XXXX XXXX Rep explained that I would have to move my loan from them, I 'd be in a different situation. I feel like that information was withheld on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. 
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 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Issue Incorrect information on credit " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-01-01
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i received an annual statement from Seterus regarding PMI from my mortgage statement which detailed how PMI could be cancelled/terminated. XXXX of the ways stated was that if the current balance ( $ 291K ) was less than 78 % of the ORIGINAL APPRAISED VALUE of the property ( $ 399K ) - PMI would be terminated. I called and tried to explain that the Loan to value on my loan was 73 % based on the original value and asked why PMI had not been terminated and that since it should have been terminated when the loan to value became 78 % - i was owed a refund of all excess payments i had made. At first the rep XXXX XXXX XXXX said i had n't reached the required level ( despite going through the notion with him of calculating the original Loan To Value and current Loan to value ) and then stated some nonsense about interest being added back in order to calculate Loan to value. I stated that did n't make sense. He said of course it did as the Bank needed to make money on the loan. He said he would send me a package so that i could request the cancellation of PMI. I told him not too as that was n't the program under which the PMI should have automatically dropped off. I then asked if he was new to the position. He stated he was n't and understood PMI and how it worked. I then asked for a supervisor. He said there was no need as the supervisor was just going to repeat what was on his screen anyway. I insisted. He asked me to hold on and never came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Team : I visited a doctor for a general checkup about a particular health issue. The doctor examined me like I was examined in the same way by several other doctors in the past. I provided my insurance information and also paid whatever was requested at the counter. A few months later someone random, I don't even recognize started calling me, asking me to pay for tests that I don't remember or have not consented to and asking me to pay for it. I recently realized that they have updated the same in my credit report. These charges are very very small, but I did not use them and I should not be responsible for them. Please help me with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a complaint against XXXX XXXX, XXXX, and XXXX XXXX using CFPB case number XXXX. 

It has been over 30 days. XXXX XXXX sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and XXXX XXXX  have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX  XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX  XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX  XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX  XXXX Balance Owed : {$4000.00}

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 2016-03-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
In XXXX 2015, I asked Citi credit cards to review my XXXX XXXX account in accordance with the Servicemember Civil Relief Act. I was told that this credit card account was not subject to SCRA.

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 2015-05-04
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.

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 2019-12-21
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company, RoundPoint Mortgage Servicing Corporation XXXX XXXX, obtained homeowner 's insurance with XXXX XXXX XXXX because my previous homeowners insurance expired on XX/XX/2021. I was making on-time mortgage payments. Funds in my escrow account should have been applied to my homeowner 's insurance. 

I have made numerous inquiries with RoundPoint Mortgage but I have not able to obtain coverage details or a declaration page. XXXX XXXX XXXX does not recognize the policy number provided by RoundPoint Mortgage. 

I am not able to obtain a refinance loan because the refinance company requires a homeowner 's insurance policy number, coverage details and a declaration page.

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