BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Other

Complaint:
I applied for a Chase Saphire Credit Card on line and included the amount I wanted to transfer from another card. I received a call verifying that I had applied and once the caller identified me and ensured I was the applicant, they told me I was qualified for the card. I was never told the credit limit and since I had indicated the amount I wished to transfer, I did not ask. I received a letter a week or so later stating that around XXXX % of the amount requested had been transfered and that the credit limit was about XXXX % of the total of the amount requested. I called to ask them to reverse the transfer and delete my ever having had this card as I know that any application for credit is shown on your credit history. I also asked why I was not told about the amount of the transfer and credit limit. I was asked if I was told this information and I said no and they told me they would have to look into the matter. In the meantime, my credit rating has dropped almost XXXX points from excellent to fair as a result of the new credit card. I have had excellent credit for a decade having restored it myself from a lesser rating. I have never reneged on my debts nor do I intend to now. I simply wanted to reduce the amount I pay in interest each month so I can pay this debt off more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: U.S. BANCORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I received a red light camera ticket on XX/XX/2016 and the ticket was sent to US Bank leasing company -- it was stamped by their tax servicing department on XX/XX/2016. At that time, I was unaware the ticket was ever issued. US Bank sat on that ticket until they received a 'Second Notice ' ticket and was stamped by their tax servicing department on XX/XX/2016. Still unaware that I ever received a ticket, I received both the 1st and 2nd notice, along with a letter from US Bank on XX/XX/2016. The payment was due on XX/XX/2016 - Thus a late fee of {$20.00} was already charged. I disputed the late payment with the City and advised US Bank NOT to pay the ticket. They told me they would n't. Well, turns out they paid the ticket, including the late fee. They then charged me the ticket amount, plus the late fee, plus a {$25.00} fee for processing. I told them that it was unfair that I should n't be responsible for anything but the ticket amount and they refuse to work with me. Bottom line is US Bank neglected to alert me of the receipt of the ticket until it was already too late to pay without incurring a late fee. When instructed not to pay it ( while i disputed the late fee ) - they paid it anyway, and then relished in the opportunity to charge me an additional {$45.00}. Please rectify. 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
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RE : Case number : XXXX XXXX incorrectly reported me as delinquent to Experian ( EX ). EX dropped my credit rating from XXXX to XXXX. This revised rating now appears as my credit score used by XXXX XXXX ( XXXX ), my bank and with whom I have lines of credit. This is information was posted on my last XXXX statement. I contacted XXXX and they told me they used EX. I used EX 's website to review my account ( XXXX? ), noticed the erroneous report ( a repeat of a wrong filling by XXXX in 2015, which was resolved and recorded in CFPB ). I disputed the charge on line and have no response from EX. I filed the above case with CFPB and have had a response from CFPB in which I was told it was EX 's fault and I should contact them. Why is the burden being placed on the victim and not the error 's committers?

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 2017-01-08
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I tried to use my credit card today, XXXX XXXX XXXX, but it got declined. I called the credit card company US Bank only to find out that my card is delinquent and that I have a balance due since XXXX XXXX. However, I never received the XXXX statement even though I received the XXXX XXXX statement and paid it off in full. If you check my record, I have always and consistently paid off my credit card balance on time and in full. Because I never received the XXXX, XXXX, nor XXXX statement, I have accrued {$110.00} in late fees and interest.

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
Consumer complaint received 2022-04-22
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment to Amerihome Mortgage on XX/XX/XXXX in the amount of {$2400.00}. The payment never posted to my account. I've talked to 4 supervisors and over 20 agents. They misplaced one other payment, and after 2 months they finally posted that one. The first payment never posted. The bank sent four transmittal reports by fax. They have received everyone and says it's in review. They continue to close the accounts, and I have to get them to open the same one every month. One agent said my payment would be posted on XX/XX/XXXX but I still haven't seen anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last XXXX years and this is impacting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
experian still does not issue my credit report/score and I am unable to refinance my home. 
no explanation given to me. only that " information not available ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was told by the borrowers defense program that my student loan should be forgiven by Navient. 

I called Navient several times to fix it and try to get my loan forgiven, and they shared they received the paperwork from borrows defense gov program, showing they approved my loan to be forgiven 100 % fully, and they were going to write off my loan and forgive it within 60 days. However after 60 days I did not hear back from them I called back in and they said I would need to apply for a new consolidation loan from Navient before they could forgive my loan. I felt totally mislead by Navient and their tactics to have them try to get more money out of me, and not follow the process of forgiving my loan which was authorized by the borrowers defense program / USA government, and now over 100 days since XXXX of 2020 when I received the letter from the borrowers defense showing they approved my loan to be forgiven fully. 

Please contact me and let me know what I can do to resolve this issue. 
I am not working at this time, and trying to find a place to live due to the poor economy and the pandemic, this has been very stressful time for me. 

In addition, I notice Navient also has a class action lawsuit for miss leading consumers similar to what happened to me. I am very concerned how I was treated and I feel totally taken advantage of by Navient. 

https : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date 42 days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I have a monitoring service through Experian. Every time I try to log in I have to navigate through unsolicited offers before seeing my credit file. On XXXX XXXX i logged in and try to view my product but clicked the wrong option and was charged XXXX. I immediately called in, explained what happened, said I did not want this product. The call center is in a non english speaking country so there is a language barrier. I was finally told I would receive a refund and would have access to the product I was charged for as it could not be undone. The refund would take the to XXXX days. I never received it back on my credit card. I called today, XXXX/XXXX/15 and was told the same thing. I have filed complaints with the XXXX and now the CFPB. My next step will be to file a fraud charge with my bank, XXXX. I just want my XXXX back, very simple.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to Experian report number XXXX investigated and verified. However Experian never investigated and fraud Account Name : XXXX Complaint : 1st Delinquent date has been passed 7 Years Experian have never provided result of XXXX XXXX dispute which was reporting after nine years. 
a. Evidence Attached Experian violated FCRA according to XXXX response on CFPB XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Attached response and direct from creditor XXXX a. Attached Investigation result and XXXX response CFPB Case number : XXXX XXXX contact # XXXX XXXX Contact Name XXXX XXXX XXXX written response attached and also attached with CFPB case # XXXX In addition to attached XXXX XXXX IL foreclosure notice from XXXX XXXX I did not make any payment to my house since XXXX XXXX due to loss of business income and medical health issue Experian in violation -Evidence attached with CFPB case # 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 2016-06-24
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold ( again ) and serviced by Loan Care. This company is a nightmare, it is supposed to be a servicing company but they do n't provide any service. Recently I tried to log into my account to retrieve my statement ( I had signed up for online delivery ). Password resets and emails did not work so I called during the day. After significant attempts to reach someone ( there 's no option to talk to anyone ) I find out that their recent update made their website incompatible with XXXX. All the customer service rep would say is that I have to access through a PC. And his only solution was to email me my statement through unsecure email. He hung up before I could have the delivery changed to mail instead of a website I ca n't access. There was no mention of when it will be fixed nor any genuine concern or apology for their errors.

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 2016-01-27
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently got my credit report which showed my credit scores. XXXX and Experian 's have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX pull it XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( Account number was not disclosed ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I informed the CA 's of this violation, they ignored the fact, but sent an updated credit report stating the information from XXXX XXXX will " remain. '' Also, XXXX XXXX, junk buyer, placed this illegal collection on my credit report in XX/XX/XXXX, which is also false and misleading.

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 2016-08-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given

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 2016-04-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
I requested a balance transfer from XXXX XXXX made to CITI Cards for account ending XXXX. CITI cards applied the transfer dollar amount of {$2000.00} to card ending XXXX. Why was the transfer applied to account ending XXXX? and not XXXX? 
Please send copies of all monthly account statements for XXXX XXXX XXXX account XXXX ( not including XXXX ) beginning XXXX account opening through XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed the mortgage statements I receive from the alleged mortgage servicer,  Select Portfolio Servicing, states on the bottom of the letter " This is an attempt to collect a deb. All information obtained will be used for that Purpose. I made payments with this   servicer not knowing if they were a debt collector or mortgage servicer.     On    XXXX   XXXX   XXXX   I  sent a lett er to Select P  ortfolio Services to verify who the v erify the allege creditor and asked for name, phone, and address. In response on  XXXX   XXXX   XXXX , they have returned a letter stating tha t   XXXX   XXXX   XXXX   XXXX   is referred as the " investor '', " creditor '', and/or " note holder '' of the account. They r efuse to give me contact information because its proprietary information. I do not recognize    XXXX   XXXX   XXXX    as a creditor.     On  XXXX   XXXX   XXXX , I have sent a letter to  Select Portfolio Servicing Inc ( SPS ) t o validate and verify the debt. My first problem was identifying  SPS. T he letters I receive from this company states they are a Mortgag e Service c ollecting for a loan but on the bottom of the letter it states it is an attempt to collect a debt. I tried to speak with a representative, a recording played stating this is a debt collector attempting to collect to collect a debt. When i spoke with the representative I never received a clear answer as to if they were a debt collector or mortgage servicer.     I want to verify who was the original creditor and who is collecting on the debt.  SPS  claimed  XXXX   XXXX  is creditor but   XXXX   XXXX   is the noteholder/investor. They never provided name, address, or phone number of any of these alleged creditors. I personally calle d   XXXX   XXXX   XXXX   XXXX  ,   t hey claim to have no information of this debt. I emailed  XXXX   XXXX  regarding this debt. In response they stated that loan information I have given them was for  XXXX   XXXX  and are not in business. I discovered a letter  XXXX   XXXX   XXXX  from  XXXX , the original servicer, the release of deed to secure debt stating the debt is paid in full and release of lien. But I never received notice from the original creditor th at SPS or   XXXX   XXXX   XXXX   XXXX   is going to collect any debt for them or on their  behalf. There is no evidence that I owe any loan or debt to    XXXX   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 2015-03-31
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. Transunion has now updated and deleted the outdated information ..Experian and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX, XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief