BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/27 I deposited a check a week later they froze my account. Id expired due to long immigration restrictions thats going on. They are not allowing me to access any of my funds to pay my bills no one can help you the bankers are rude and they dont even try to find a solution to try others to help 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 2022-06-03
Company: Experian Information Solutions Inc.
State: LA
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:
sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus XXXX XXXX, experian, and XXXX and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with Transunion and XXXX. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to Transunion and XXXX and they both said that XXXX XXXX provided them the 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 explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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  account # XXXX ( XXXX ) and account # XXXX ( XXXX  ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an XXXX account and had some items in my shopping cart in the amount of {$200.00} that I was in the process of completing my order later on. As soon as I clicked on the item I got a prompt from XXXX offering me to pay {$59.00} right now and I will get {$150.00} if I apply for their XXXX credit card through Chase Bank without affecting my credit. This was supposed to be a pre-approval credit with a soft pull, but instead they pulled my credit with a hard inquiry. I immediately received an email from XXXX that there was a hard inquiry on my credit report that caused my credit score to drop by XXXX points right after I was denied. They lured customers to get their credit cards by misleading them and lying to them they will not run your credit, but instead they do. I didn't even need the card, I accepted their offer because of the reward. I can not afford to have hard inquiries on my credit report because I'm trying to repair it right now. I just found out they also have another bank by the name of " XXXX '' that they are using to do the same thing. I have attached an attachment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I tried to open a account with USAA a few years and discovered that I have a account opened in my name with a negative balance which I did not open. I have spoke with there fraud Department several time to conduct investigations with no results at all. I have reported them to the CFPB three times also and still nothing. I have reported them to identify theft. gov and they replied that they declined to provide me with the information based on FCRA section 609 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: AL
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 XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint involves my mortgage servicer 's rejection of a principal reduction payment, after several years of accepting such payments. My loan servicing was transferred to Seterus a few years ago. I have a loan modification where my interest payments are escalating to a maximum of 5 %. Under the modification agreement I recently received a credit of {$5000.00} for making timely payments. Seterus subsequently offered to recast my loan ( crediting the {$5000.00} to reduce the principal of the portion of my loan that is subject to interest charges - I have an additional loaned amount where the interest is currently deferred ). I accepted the recast offer. For the last few years I have routinely paid Seterus extra each month, to reduce the principal of my mortgage loan that 's subject to interest charges. These added payments have been accepted and show on my past statement as " principal reduction payments. '' So I was very surprised when I received my XXXX 2017 statement, to see that while I was credited with a {$49.00} principal reduction on XXXX XXXX, 2017 ( made as an addition to my due XXXXX 2017 mortgage payment ), Seterus then reversed that added payment on XXXX XXXX, 2017. The statement was accompanied by a sheet titled, " Explanation for Holding Payments in a Suspense Account. '' That sheet does not refer to principal reduction payments, and its language implies they are holding my principal reduction payment to apply toward my next mortgage payment. ( I had already sent them my XXX 2017 payment before receipt of the statement, consisting of due payment in full plus an additional principal reduction payment. ) This is the first time my principal reduction payment has been reversed. I do n't understand why I can no longer make added payments to reduce principal. I have been unable to reach Seterus customer service by phone after attempting to do so a dozen times. I then sent an email to their email address as listed on my statement, and it bounced back as not being accepted by their server, even though the address is correct. Can you help me get this straightened out?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, I submitted a cheque drawn on a XXXX bank to JP Morgan Chase for payment. I was paid {$820.00}. On XXXX XXXX, Chase recouped {$890.00} from my account ( plus another {$8.00} fee ) saying the XXXX bank had refused the cheque. 
After many phone calls, on XXXX XXXX, I submitted to Chase evidence that the XXXX bank had honored the cheque. I sent this by fax and by email. 
Today when I talked to Chase, there was nothing on their file and he could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 # XXXX and XXXX XXXX XXXX # 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 furnish an 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 2016-10-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation.

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 2016-10-31
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I bought a home with a typical loan with BB & T. We planned to renovate and a few months later ( after getting architectural drawings done and hiring a general contractor ) we worked with BB & T to replace that mortgage and close on a construction loan that will convert to a regular mortgage upon construction completion. Our closing statement ( which I will attach to this complaint ) stated we would pay interest only for year 1 in the amount of {$950.00} and then our payment would convert to a typical principal and interest payment in year 2 and continue for the duration of the loan. We received our first bill with a different interest payment ( {$1500.00} ) that accounts for the amount of construction that has been completed to date. While this is logically fine, this is not what the paperwork stated at closing. We feel BB & T did not adequately articulate how our payments in the first year would work. 
In addition, I tried to make a payment both online and by phone for our first mortgage payment and was told that for the first payment I must go into the bank to make the payment OR send a check. No where on the bill does it state this restriction ( I will enclose the statement/bill as well ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender is in violation of RESPA and Dual tracking guidelines - the clients file is with the underwriters and was deemed a complete package as of XX/XX/2017 and the lender is still proceeding with an active sale date of XX/XX/2017 - this sale date if the client is denied for a mod within the next 30 days does not allow the proper time frame needed to submit an appeal on the clients behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
We applied for a mortgage loan from JP Morgan Chase, and got approved and given a commitment letter. However, the underwriting asked for supporting documents a few at a time, and never reviewed timely. We were not able to close on the original agreed upon date of XXXX/XXXX/2015, and were delayed again to miss the second closing date of XXXX/XXXX/2015. When I try to contact their underwriting processors, they would not even pick up the phone, or reply to my email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: Express Collections, Inc.
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They call me on my cell phone during working hours. They are aware this is a cell phone. I have told them that I do not have a land line I have written to them telling them not to call me at my job. They are aware of my work hours. I also do not owe this debt. The vet took an XXXX that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
complaint : XXXX CFPB keeps sending emails requesting feedback, but the complaint has already arbitrarily been close. NOT POSSIBLE TO GIVE FEEDBACK. 
XXXX has made honest attempt and succeeded at resolution. As to Equifax... I suspect they may be part of the identity theft. Not possible to access my account with Equifax. 
I had sent certified mail to each of the reporting agencies on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: URS Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. 
Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Transfinancial Companies, Inc
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 was paid

Complaint:
Transfinancial did not remove this debt from experian credit reports. It is on their XXXX and in my last cfb complaint they found the bill was paid.

Company response to consumer: Closed
Consumer complaint received 2015-09-16
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is our home mortgage lender. For six years, I have never been late with our monthly payment, and I have always paid the mortgage online through the Wells Fargo Mortgage Bill Pay. The payment has always been debited from our XXXX XXXX checking account ; I have not added any additional accounts from which I could draw for the mortgage payment. I made our XX/XX/XXXX payment on the XXXX of the month, assuming that it would be debited from the XXXX XXXX account. The payment never posted on the XXXX XXXX account. I then received a " Notice of Non-Sufficient Funds '' from my XXXX XXXX account ( a Wells Fargo account ) and discovered that an attempt was made to debit this account for the XX/XX/XXXX mortgage, even though I did not data-input this account information with Wells Fargo Bill Pay and did not approve of its use. I have tried to resolve this issue with Wells Fargo Mortgage, was told that I must have approved use of this second account ( I did not! ) and then was told that the debit process with the XXXX account would have to go through two more times before it could go through my XXXX XXXX account, resulting in a {$29.00} NSF fee for each time a posting is attempted. All I want is a ) to have the {$29.00} NSF removed ; b ) debit my XXXX XXXX account for the XX/XX/XXXX payment without incurring a late fee. It seems an easy " fix '' but Wells Fargo insists on passing this mortgage payment through XXXX two more times! I went through XXXX different representatives and XXXX managers until I hit a dead-end with an executive 's voicemail. We have had run-ins with Wells Fargo before and I am afraid that this will lead to some premature foreclosure attempt which would be completely unwarranted! Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hi, I have a bank account with Wells Fargo and I know from time to time I have let things overdraft. But, there are times when I felt like they would hold something back like a check and wait till I was almost out of money so I would overdraft and they they could collect the fees they charge. At {$35.00} a pop it adds up, and I live on one check a month. The bank has all my statements on file, but I know they can alter them if they altered those accounts. What do I have to do to find out if that 's what happened? 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