BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX  - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted the holder of our mortgage, Bank of America, on XX/XX/XXXX to request that the PMI be removed. I had previously contacted them regarding the requirements to remove the PMI and was informed that the loan needed to be more than 5 years or older and the loan to value ratio must be less than 80 %. The house was purchased in XX/XX/XXXX, and is therefore more than 5 years, and the loan to value ration is less than 80 %. 

However, Bank of America is still declining to remove the PMI and is instead requesting an appraisal of the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
XX/XX/XXXX our lender discovered AMEX had listed our old, closed account as " Charged Off '' in the amount of {$3900.00}. This prevented me from getting a mortgage. I have been corresponding with AMEX via snail mail since XX/XX/XXXX and made telephone calls only to be told that the information is correct. I mailed copies of bank statements, all payments totaling the amount listed as " Charged Off ''. AMEX has mailed me copies of statements, with the last statement showing payments of {$500.00} paid XX/XX/XXXX, {$800.00} paid XX/XX/XXXX, {$1000.00} paid XX/XX/XXXX, {$610.00} paid XX/XX/XXXX, {$1000.00} Paid XX/XX/XXXX all total {$3.00}, XXXX ; and they will still not remove the words " Charged Off ''. I have not received a 1099 for this and neither has the IRS showing it as income for me. The credit reporting agencies will NOT make any changes because AMEX continues to say I did not pay it in full, this is untrue. I have requested the documentation AMEX gave to the credit reporting agencies and have yet to receive that from AMEX. I have written 7 letters with copies of bank statements and copies of their own website showing XXXX balance when I made the final payment on XX/XX/XXXX, with copies to XXXX, XXXX, XXXX, Better Business Bureau oXXXX XXXX XXXX, TX, Texas Attorney General with no resolution for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMCB bought an alleged debt from a company and are performing aggravated identity theft and is trying to collect from me by extortionate means

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: High Performance Capital
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX Car Purchased - XX/XX/XXXX Car paid off -- -- -XX/XX/XXXX Amount their asking -- -- {$4.00}, XXXX Company Name -- -High Performance Capital Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX I would like to file a complaint to this company name High Performance Capital. I am very upset to High Performance Capital, because they do n't want to give my title of my car because they said I still owe them late fees for the amount of {$4100.00}. I was shocked and ca n't believe this? .I 've been dealing with different people regarding my vehicle account and I do n't know why also? They told if I do n't continue paying this they will reposses my car today XX/XX/XXXX. I was so frustrated and XXXX  do n't know what to do. I do n't deserve this.I paid off my car already and this is what I will get from them? .I did n't receive a statement for over two years and I just do n't know why? You can check their customers comments and review and it was really bad. This company need to shut down, the way they treated their customers is not fair. I do really need your help to speed up this process because I do n't want them to get my car. I am currently having physical, emotional and spiritual stressed and XXXX about what was going on. Please help me. I want them to stop harrasing me. I am loolking forward to hear from you soon. Enclosed a copy of my contract for you to see and review. Thank You. XXXX XXXX XXXX XXXX Email address : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CHECKredi of Kentucky, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company charges erroneous fees and could care less as to why you have a collection placed with them. They're simply about collecting fees! 
I was recently a victim of debit card fraud and my checking account was wiped out causing several items to be returned NSF in error to numerous companies, one of them being Checkredi. I immediately filed a fraud claim with my bank at which time they issued me a temporary credit pending the results of their investigation. They also sent me several emails confirming all of the above, which I was able to forward to the numerous companies that had my debit card purchases returned to them. That being said EVERY company that I forwarded my banks email to simply redeposited their items and waived any fees that they had charged me EXCEPT for Checkredi. Upon speaking with Checkredi customer service I was informed that they were unable to reverse their fee because the email from my bank only stated that they had given me a " temporary credit '' while they were investigating my claim and that it didn't mention anything about it being due to fraud. The woman told me that Checkredi 's policy states that I needed to provide them with a signed letter from an Officer at my bank stating that it was indeed due to fraudulent activity on my account. Are you kidding me lady??? All this over a {$6.00} dollar returned debit charge! It's blatantly obvious that Checkredi is merely interested in collecting as many fees as possible, and has no concern whatsoever with regards to the consumers ill fortune. I have also filed a complaint with the Federal Trade Commission in order that they may be made aware of this company 's deceitful business practices. Absolutely ABSURD!??????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This complain is a continuation of the previous complain. 

The last complain number is as follow : CFPB Complain ID : XXXX-XXXX  Capital One CID : XXXX With the last response, Capital One only said what is happen. The Capital One have not solve the problem, and still hold money in Capital One account. 

Capital One asked XXXX get money back. The check maker spoke with her bank - XXXX many times, but XXXX doesn't want to do anything with the case. XXXX said the check is real, the check 's signature is true, and the check has already cashed 8-9 months, they couldn't get money back. 

Now this case is a circle. Capital One ask XXXX get the money back. And XXXX doesn't think any problem with the check and ask us have Capital One solve the problem. 

So I require Capital One send money back to my account or send to check maker 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian wont allow me to view my credit score or access the account. i've contacted there technical support team several times with no resolution. im unable to dispute or view their credit errors and ive reached out to them and requested them to fix for months.

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 2016-10-06
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In 2013 I took a private student loan with Sallie Mae for my son who is still in school. I took a loan with a fixed interest percentage, and I 'm suppose to pay only interest while he is in school ; however, I always send an extra payment in order to decrease the loan. I have noticed that the monthly minimum amount changes, but I will not be able to tell you the exact amount because the do n't send statement and when I sign into the website they provide you a list of peymrnts received but they do n't provide how yo retrieve statements. The original loan was for XXXX and it is 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 2022-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent Portfolio Recovery XX/XX/2019 a Cease & Desist letter as they are not my original creditor and I do not wish to work with them. I had this letter notarized by XXXX, CT. town hall notary as well. I requested that they remove all negative reporting they have reported to XXXX, XXXX, and XXXX. I am putting the CFPB on notice as to what is happening because I am not confident that they will respect my request. I have a copy of my Cease & Desist notarized should it be needed that I sent Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Been asking them to remove extended fraud alert every time I call they say my information doesnt match I have sent in documentation certified mail with return receipt which I have got back and still no changes also none of my credit files are reporting mostly everything is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a cryptocurrency investment account opened through Coinbase that had been perfectly fine for a long time. My balance in the account was around {$6000.00} when I was informed on XX/XX/XXXX at XXXX XXXX that my account had been compromised and there was a password change as well as initiation to withdraw my funds. I immediately called Coinbase and locked my account, ensuring that my money was frozen and none of the transactions were to go through. I was ensured my money was safe and all I would have to do is recover my account through my email. However, I stopped receiving emails from Coinbase through this email since my account had been compromised. After weeks of attempting to recover my account, I had created a new account for Coinbase to safely transfer my funds over. However, after the funds were transferred I found out there was only about {$100.00} in my new account. I had lost the rest of the funds after I was told they were frozen and safe. Even though I had immediately called to freeze my funds and cancel all unauthorized transactions and was assured they were cancelled, they still went through. Not only had the company lied to me, but they also lied to my financial advisor at my local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked them for a signed contract that was signed by me they just send a copy of old bills I have never had XXXX and only have had att think someone opened it in my name but they will not send a signed contract if they do not have a signed contract they need to remove they have over XXXX of complaints online from being a third party debt collector and all the fans answers was removed from XXXX XXXX times now and they keep putting it back on shady company

Company response to consumer: Closed
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %.

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 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I attempted to access my online account for monthly statements of which I have not reviewed in almost a decade. Throughout that time, the loan has been sold and bought by various lenders. 

Most recently, when SunTrust was acquired or merged with BB & T to form Truist, I lost my ability to access my account to ensure it is being serviced accordingly. In an attempt to solve this problem, I attempted to reinstate my account with the new Truist platform, but to no avail.

In an attempt to rectify the situation with Customer Service over 24-hours, the bank - Truist, did not provide solutions and continually lied to me regarding their intent to fax me my recent statements.

Complaints addressed here : 1 ) Failure to provide access to my own customer information 2 ) At minimum, 5-calls were made all with 30-min plus waiting times.

3 ) In every instance, no representatives were able to remediate the issue nor understood how the merged systems of BB & T and SunTrust into Truit may have impaired our ability to recover our accounts. 

This seems to be a common issue as evidenced by the following news report : XXXX XXXX XXXXXXXX.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: Fidelity National Financial, Inc
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
This compliant concerns multiple fraudulent issues on my credit reports as held by TransUnion, XXXX   & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by TransUnion, XXXX  and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.

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 2016-02-05
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my mortgage down to 78 % of the home 's original value. The lender should remove my mortgage insurance automatically. The lender is telling me that I need to get an appraisal done. I should not need an appraisal. They will not allow me to speak to the person making the decision. Specialized Loan Servicing. Not very specialized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation