BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
Company: Finance of America Mortgage LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am filing this complaint because, through absolutely no fault of my own, I lost out on a chance to refinance my mortgage on the terms I agreed to when I applied for the loan two months ago. The process was progressing smoothly until the appraisal. 

When the appraiser came to my home, he hostilely challenged the representation in my loan application that my property is a " single family '' dwelling. He insisted it was not. His position was that it is a " XXXX unit income '' property and, as such, he was owed a higher fee for doing the appraisal. I objected. 

Two days later, I provided the appraiser, as well as the lender, real estate records showing that the District of Columbia classifies my property as a single family dwelling. I asked to be provided something similarly official or authoritative that substantiates the appraiser 's contrary view. I was met with silence. 

My loan stalled for more than two weeks, because the appraiser was demanding additional money to submit his report. The lender was seemingly incapable of figuring out how to break the impasse. For weeks, I was repeatedly told ( upon inquiry ) that the matter would be clarified " tomorrow, '' but tomorrow never came. When I finally did hear from the lender, I was informed that another appraisal would have to be arranged, but there was now no time to close on the loan before the expiration of the rate " lock in. '' I was further advised that, in order to move forward with the loan, I would have to pay a special fee to the lender. I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: First Data Corporation
State: VA
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:
I am getting calls from TSR saying I have a {$2.00} debt with XXXX that was incurred on XXXX/XXXX/2015. I started getting calls on XXXX/XXXX/2015. I called XXXX and I have no such debt. When I called them to tell them to stop calling, they want me to send them my bank account number and routing number and my social security number. They refer to a letter and reference number, neither of which I have ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
3rd Request for Resolution : Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - Bofa never listed that we had " missed a Payment until mid XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the third time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Harris & Harris, Ltd.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received approximately 12 calls in the past 3 months on my cell phone from XXXX or XXXX. Each call has been a recording and claiming to be from Harris and Harris stating I owe some debt and I need to call them. 
To my knowledge I owe no one anything nor have I received any documentation via US MAIL documenting any debt. 
I suspect this is a phishing scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
A buyer has purchased a watch from me online and paid with a Chase credit card. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. Chase - the bank-issuer of the buyer 's credit card - initiated an unauthorized transaction request. I have provided XXXX ( my account holder ) and XXXX supposedly forwarded to Chase all the requested transaction and shipping records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID on delivery. 
In about a month Chase reversed the original transaction and has received {$5800.00} back without any explanation!!!! 
XXXX reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. XXXX reps also confirmed that the buyer 's bank ( Chase ) HAS NOT provided any information regarding the case. The buyer 's bank has to provide NO information on the transaction in question and XXXX would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences a seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Chase to deliver the funds {$5800.00} back to my XXXX account and deal with the buyer directly. 

I 'm attaching the transaction records so that the bank can identify the transaction. Here are the transaction details : Buyer 's name : XXXX XXXX Buyer 's adddress : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, United States Buyer 's Phone : XXXX Transaction date/time : XXXX XXXX 2015 XXXX Buyer 's IP address : XXXX Transaction ID ( it 's XXXX or CC trancation ID ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my XX/XX/XXXX mortgage payment at Chase bank, XXXX XXXX XXXX XXXX, NV on XX/XX/2016. I called the automated system on XX/XX/XXXX & XX/XX/XXXX to make sure that payment had posted to my account. The payment was not there.I called the branch on XX/XX/XXXX and was told they could see my payment in the system, so I contacted the call center and was told the teller made an error, but my payment would be posted. I called back on Monday, XXXX XXXX and was told it would post by the end of the day. I called back on Tuesday and once again I was told it would post by the end of the day. On Wednesday I contacted the call center, asked for a manager, and spoke to someone that was extremely rude, she told me " humans make mistakes '', and then she hung up while I was still speaking. I called the branch manager, and was told she could n't get a response from anyone at the call center regarding the posting of my payment. 
She gave me the number for Corporate, but this is still unresolved. Where is that payment that I made on XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Aargon Agency, Inc.
State: NV
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:
I have checked my credit report be I notice there is a collection that I have been disputing for a while now and I have not got validation or verify documents that I requested it seems try been ignoring my request under law they are required to vetoed if not deleted from my credit report under section XXXX they need to verified who and when they verified the document

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: FC HoldCo LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
After becoming 60 days behind on an auto loan I called XXXX XXXX XXXX to arrange payment of two payments in two days ( when I got paid ) the representative refused to accept the post dated payment and demanded I made payment that day or the the loan would be put into default and the the car repoed in which I couldn't for two days and I was hung up on. Car was repoed a few weeks later. Not only was I not sent any of required documents regarding the sale and the remaining balance personal items including a GPS several hundred dollars worth of my wife 's school books and other things where left in the vehicle and after several attempts to get these personal items they continued to refuse unless some form of payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: CA
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:
Following inquiries are in my Equifax credit report, but I never authorized these inquiries and applied before. 

XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XXXX XXXX XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX. 
Inquiry : XX/XX/XXXX Telephone Companies Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Apartments ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-09-18
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I was an authorized user on this account. I filed a personal bankruptcy in XXXX and including this account. It is currently showing open and in collections. Also the company has reported to the credit agencies that the last deliquency was reported in XXXX which is also false. The last date of delinquency was in XXXX XXXX. It has been over 7 years, this item should be removed from my credit profile based on the all the facts above. 
1. I was an authorized user2. It was later including in a Bankruptcy3. It is pass the statue of limitation of 6 yrs to collect and 7 years for derogatory credit reporting. 
I have tried every I know how for several years to get this deleted from my credit file with no resolve. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a fraudulent charge of {$2.00} on a Macy 's credit two months AFTER canceling the credit card. I tried calling the customer service for hours on end. Could not get a live person. I tried every number, every extension possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I requested a deletion XXXX XXXX record from my credit files due to the statute of limitation for the reporting. it is been 7 years since the first delinquency on this account XX/XX/XXXX. The 120 days delinquency was reported on XX/XX/XXXX. I have a printed record of this. After my request of investigation the Equifax has deleted the initial delinquency history information and entered rejuvenated information so the first delinquency reads as of XX/XX/XXXX now. it is a violation of the FCRA. 1. 2. There are inconsistency in reporting of balance and date of opening of this account is the previous version that I received from Equifax and Rejuvenated report. The date of opening reported early was XX/XX/XXXX. and now they stated it was XX/XX/XXXX. the balance was reported {$850.00} and in the doctored report {$750.00}. I never recognized this account anyway. The Equifax has violated FCRA 3 times. The Equifax has never verified the information i asked to remove, instead they just reintered fouls information the received from the XXXX. They should Delete this unverified information immediately and pay fines for vialating FCRA and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold bank account with Citi bank XX/XX/2015 with a promotional code. When I applied this code, Citibank verified that it was accepted and that the promotion would be applied to my account. The exact wording for the citigold terms and conditions stated that the offer was available to Citi/ AAdvantage card members that receive this communication. This reward offer was confirmed to have been applied to my account yet Citi is claiming there was NOT an AAdvantage miles promotion offered in conjunction with the opening of my account, even though they confirmed with me that I DID have the promotion available for me back when I applied. Now they are claiming that they do not owe me the reward for this offer and they refuse to credit me with the miles that I have rightfully earned by completing the promotional offer.

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 2016-03-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The required " Debt Validation '' that was requested XXXX 2015 went unresponsive to.By Midland funding. They sought to action court case in one county, which Judge threw out for " Failure to Prove debt ownership '' One year later Debt collector seeks to again collect on debt not validated, Fail to prove the have purchased the debt from creditor, and refused to stop communicating threats to family member 's. MidlandFundingc/oXXXXhas.Thiscompanyhasactedcapriciouslytocollectonadebt, Theseactions alsoviolatedtheconsentagreementFileNo.XXXXbyCFPBadministrative adjudication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, 2016 I presented my Citi XXXX card to XXXX to pay for the XXXX dollar ( {$90.00} ) for my safety deposit box. Unknown to me the teller coded the XXXX dollar charge as a " cash advance '' on my credit card instead of the anticipated normal credit card charge. Although I pay my credit card charges in full every month, Citi assessed a XXXX dollar ( {$5.00} ) fee for the cash advance and also charged XXXX XXXX cents ( {$0.00} ) interest on the cash advance on the statement with period ending XXXX/XXXX/2016. And on my subsequent statement for the period ending XXXX/XXXX/2016 a interest charge of XXXX cents ( {$0.00} ) was shown for the XXXX dollar " cash advance '' of XXXX/XXXX/2016 even though the cash advance had already been repaid. Today via a telephone call to customer service for Citi at XXXX I was told by the Citi representative named " XXXX '' that Citi will not provide the calculation of the XXXX XXXX cents and XXXX cents for interest. It appears that Citi intends to continue to charge me interest forever for the original cash advance as well as interest on the interest forever even though the cash advance has been repaid. This is crooked and criminal. What is the CFPB going to do about it?

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