BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sold my XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did a release of liability online on XX/XX/XXXX. The vehicle was in a hit and run accident on XX/XX/XXXX. DMV had not processed the release of liability by the date of the accident so the Police report shows me as still being the registered owner even though I was not. National Service Bureau , Inc. keeps harassing me with letters trying to make me pay this debt. I have given them the information of the new owner of the vehicle. I have contacted DMV and they are way behind, months, in processing paperwork. I can provide the debt collector with a copy of the new pink slip with the new owners information and the transfer date of XX/XX/XXXX but they will not accept this as proof. It is going to cost me money and time to provide release of liability, which I am willing to do but this debt collection agency is going to keep harassing me until I provide them with the information that they want. The agent I am dealing with will not let me get a word in, he talks very loudly over me and will not listen to a thing I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX. 

Thanks in advance for your help on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: VA
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 have never apply for this companies, i believe that somebody stole my personal information and applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPT OF EDUCATIONXXXX XXXX Balance {$720.00} DEPT OF EDUCATIONXXXX XXXX Balance {$1600.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$5200.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2900.00}

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 explanation
Consumer complaint received 2022-03-22
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a loan application with supreme lending in XX/XX/XXXX. They offered me to lock my rate and I signed the paperwork on XX/XX/XXXX. The agent who had my file left the company and the new agent reached out to me after my locked rate expired and informed me that he will lock my rate on new high rate because my rate already expired. My friend who locked his rate with me in the same time was contacted by another agent in the same company who informed him that he can extend his locked rate for an extra fee which he did. I contacted supreme lending to ask for the same deal my friend got and they refused and said there is nothing like that and they cant extend my locked rate for extra fee. All what Im asking is to be treated like my friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a credit card from Chase, Freedom Unlimited with a credit access line for {$12000.00}. All I had to do was verify receipt of my card by calling XXXX. I called number and was asked for my credit card number and SSN. I didnt provide and hung up. I then tried to reach Chase via other phone numbers researched on internet but was unsuccessful in reaching a person to talk through receipt of credit card that I did not apply for. 

This is fraudulent business practice that an unsuspecting individual may fall for and get stuck with a cc that changes over 20 % in interest. Especially for individuals that may have been laid off during the pandemic I want to be on a do not ever contact me list with all JPMorgan Chase Affiliates.

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature

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 2020-03-12
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:
To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I don't have a chase card and I did not ask for a chase card XX/XX/XXXX it is showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XX/XX/XXXX I began working with Amerisave Mortgage to refinance my home mortgage and a HELOC. I authorized them to pull my credit one time on XX/XX/XXXX and one time on XX/XX/XXXX. I finally withdrew my application on XX/XX/XXXX due to lack of performance on their part. Given the long delay I had begun to work with my current mortgage company and authorized them to pull my credit one time on XX/XX/XXXX. They forwarded me my report ( excerpt attached ) which shows 3 pulls on each date I had authorized Amerisave to make one pull. Instead of 2 pulls total there are 6 pulls total. The first on each date says Amerisave and the next two say XXXX. I reached out to XXXX to ask who authorized the 2nd and 3rd on each date and they informed me it was Amerisave. I wrote to Amerisave twice, once requesting a refund of my {$500.00} application fee and once requesting them to issue a Credit Inquiry Deletion Letter for the 4 unauthorized pulls ( image attached ). I received a call on XX/XX/XXXX from XXXX at Amerisave. During the call he agreed to refund my {$500.00} application fee but maintained that Amerisave only made one pull on each date and would not agree to send the Credit Inquiry Deletion Letter. 

I would appreciate CFPBs assistance in obtaining the requested Credit Inquiry Deletion Letter from Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied the Mortgage from XXXX because one of my friend is going through refi. She asked to apply online with out talking and understanding my situation. I did and submit all the document requested. after that they are actually sitting on my file for 3 weeks after that they asked me to pay {$1000.00} fees. for Loan processing. I paid it with my credit card. up to now they did not even open my documents. after that almost in XXXX i have started following up but they keep saying me we will get back to you next week since they have done credit check to me I really dont want to shop around. somewhere in this time period appraisal calls me he want to see from inside two appraisal is needed I was not aware of it. I called her she said take less credit and I will do one appraisal. not sure how it works I was ok with it. 

In XXXX when I asked her what is going on I am waiting for almost 4 months I need to close another loan which is due soon she say it will affect your XXXX since you are using HELOC to pay the loan. It was coming around 46 %. none of her team member have any idea on how dti is calculated including XXXX. I tried to explain but it did not help. Not sure how these people get lender license. Now I have wasted 5 months and XXXX and credit pull. 


As of now I am working with XXXX XXXX which is giving me better rates than her and they think XXXX is around 41 %. which is about right. 

Lack of response is there for at-least 3 more people I referred to her

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank has been making me to make my mortgage payment in CASH ... on loan number XXXX. I was told that I had to pay in CASH because I was XXXX, and had a previous check ( NSF ), which I tried to explain to them that my vehicle been broken into, and my check book was stolen, and that I had to close the checking account due to attempted fraud on the checking account. No where in my loan documents does it state at ANY time or regardless for ANY reason do I have to make my mortgage payment in CASH only!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2020, my Daughter 's car was missing from in front of our house. I had her call the police and the police told her that they were informed that her car was repossessed. We called Santander Bank, the bank that she pays her car payments to. My Daughter said that she was informed that because she pays her payments via the Santander 's website on her cell phone, that there was a scam website that looks like the banks website, and that my Daughter, amongst others were paying the scammer over the last 4 months their payments. My Daughter told me that Santander told her that there was nothing they could do because she and others paid their payments supposedly to the scammer website. My Daughter did not know she was paying a scammer. My Daughter contacted the bank she has that she pays her bills with. There is no record of these transfers ( payments to Santander ), that the scammer, who had her information from the payments, probably hacked into her bank account and removed these payments. My Daughter did receive email notifications about the payments, that I saw, but unfortunately, my Daughter has XXXX  and those settings she had any mail she read was automatically deleted and emptied to trash. My Daughter 's car was towed to an impound yard. My Daughter is waiting for money to clear that her father sent via a check to her to get the car back. She received a letter from the loan bank today and they want her to pay late charges which are over {$400.00}. My Daughter recently contacted Santander and she was told that the fake bank website was finally taken down. My Daughter paid the car payments and because she was XXXX when she got the car, I always ask her to show me the proof the payments were made. She paid extra money at times when she had it. I just don't understand why Santander Bank is basically calling my Daughter a liar, by wanting her, when we pay to get the car out of the impound, late fees. This is not fair and as her XXXX year old Mom I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: CO
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 have being trying to get a personal loan since XXXX... XXXX is being denied because an auto loan i have i showing up XXXX on my credit report ( Experian ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to XXXX managers and all they say is they will have someone work on it and escalate it higher up and same thing... Experian will take up to 30 days to get issued resolved since i did try to dispute it XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems XXXX shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing XXXX different amounts,, I did sent proof on XXXX where my credit report is showing there account XXXX and I only have XXXX auto loan with them.

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I spoke with Transunion regarding the inquiries that were deleted from my credit report and then mysteriously reappeared. They informed me that they would not be able to remove all of them and only removed XXXX of the XXXX. The reason they gave was because they were from a particular date, however, regardless of the date, these inquiries were removed and placed back on my credit report and I know this is in violation of my rights. The inquiries that remain on my Transunion credit report should be removed and not placed back on again.

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 2016-01-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hi my name is XXXX XXXX. I just open chase credit for one month.they close my account for no reason.now it affect my credit line. My chase account number is XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've submitted to the company that I was a victim of an elaborate scam of identity theft. I have submitted my identity theft report and police reports.

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 2016-07-19
Company: Solomon and Solomon, P.C.
State: CT
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:
I paid the company it was settled in full. Now Solomon and Solomon keeps reporting on my credit report, the bill is originally for XXXX, which is also reporting, They are both reporting for the same bill. Solomon and Solomon is reporting a different amount to make it look like i owe XXXX different debts. Since the account is paid for them already they said it would be deleted when i asked for writing documentation now that it is paid they said they wo n't do anything about it. They are not the original creditor so i do n't know why they wo n't remove the file when it is showing up two times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from " Nationwide Mortgage Bankers '' stating that my mortgage qualified for the FHA streamline program. I contacted the number on the letter and started the process. We met all the criteria for the streamline program. Mr. XXXX told me NOT to pay my mortgage for the month of XXXX. As the rates went down, I requested a lower rate and it was agreed upon by the " loan officer, '' XXXX XXXX XXXX. He proceeded to send a notary to my home and the paperwork was signed and sent back to him. The notary also took copies of our social security cards and drivers licenses. On XX/XX/2020, I inquired about the status of the closing and he called me back. He stated that he had " bad news, '' as the rates " jumped back up. '' He failed to tell me what the new rate is. He simply wanted out without any explanation. I told him that this was not acceptable behavior, and he simply told me to " call your current service '' to get the mortgage refinanced. As such, I informed him that I needed to speak with his manager but he refused to provide the information and stated : " they will transfer you right back to me. '' In addition, the company included paperwork for us to give consent to obtain four years of my tax return even though it is not required for an FHA streamline refinance. I contacted XXXX and he stated that the tax transcripts were not needed, however, it was still hidden among the papers that I was given to sign. Similarly, income and employment verification are not needed, but the paperwork was presented to sign in order to obtain the information. 

Also, he stated that he was affiliated with Nationwide Bank, however, I called Nationwide to submit a complaint and was told that this company is not affiliated with Nationwide ban

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
This was received as part of a fraudulent unemployment insurance claim. The credit card issued is from USBank and is a Reliacard. My problem with USBank is that there is no way to speak with an individual or do anything but activate the card. As the card is fraudulent and the scam is that once there is no activity on the card, the fraudster calls and asks for a new card and/or PIN to be sent to a different address, doing nothing only perpetuates the 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 2021-01-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AssetCare LLC / CapioPartners collection companies placed an illegal medical debt collection in my credit report. I have uninterrupted medical insurance through my employer since XXXX which cover all my medical bills. I never received any correspondence from AssetCare LLC / CapioPartners and found out about when, y credit report was pulled. 

I called their phone number XXXX to inquire about the collection and the representative stated that it was a medical collection from XXXX or XXXX. I told them that I have medical insurance continuous since XXXX, the monthly insurance premiums are taken out directly of my paychecks ( Attached ) however they refused to provide any documentation or acknowledge the fact that I had medical insurance to cover my medical bills. I have written them multiple letters requesting documentation and they have not answered any of them nor provided any documentation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: Consumer Portfolio Services, Inc.
State: MD
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 mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation