BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Request : Removal of Private Mortgage Insurance XXXX XXXX : XXXX XXXX : Purchased house for XXXX due to distressed status of property. Mortgage for XXXXXXXX XXXX XXXX XXXX : Spent XXXX on improvements and general repairs on house Summer XXXX : Loan sold to XXXX XXXX ( d/b/a Lakeview ) XXXX XX/XX/XXXX : Initial request sent to XXXX XXXX via mortgage servicing website for PMI removal ; received auto-generated response same day stating I would hear back in 5-7 business days XXXX XX/XX/XXXX : Still no response, sent email outlining PMI removal request with attached invoices for repairs. Requested appraisal XXXX XX/XX/XXXX : Received call from XXXX XXXX representative, same advised to not email them, a third party appraiser would be contacting me in the next day or two and if I did not answer the phone, they would leave a voicemail. They would be calling to set up an appraisal appointment. XXXX XXXX rep stated house would need to be appraised for at least XXXX to drop PMI removal. Rep stated they could not give a certain timeline, but it was likely to be resolved within a couple of weeks " by the end of XXXX. '' XXXX XX/XX/XXXX : Follow up request for PMI removal through mortgage servicing website. Advised that I have received no follow up it is had been weeks. 
XXXX XX/XX/XXXX : Current mortgage principal is {>= $1,000,000}. XXXX of improvements  completed. No response from mortgage company to date via phone call, website, or email. No appraisal <p> -- -- -- -- -- -- -- -- -- -- -- ---

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
mailed letter to transunion on XX/XX/XXXX requesting that they remove my old addresses and also to investigate an account on my credit report and send me back the validation. well, it is now XX/XX/XXXX and the only thing they did was update my address on my credit report. they did not respond with any validation for the account I requested at all. it is now well beyond 40 days. they only have 30 days according to the FCRA. it has been about double that. they are in violation of the FCRA and could face fines i also attached proof of delivery, so i know they got my letter

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 2015-09-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
Chase sent only past due notices, but never a statement prior to being past due. When I cancelled my card they took all the bonus points off but did not take off the late fees as promised. Then they started calling my place of business because they were adding more late fees even after I had cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I currently have a Home Depot card that I had in my possession over several years who is back by Citibank recently I just noticed that they decrease my credit limit from $ XXXX {$1200.00} with no reasoning behind it never been late never went over my balance on my credit limit they just simply said that they was decreasing it I feel like as a consumer that is totally unacceptable is an disheartening and affect my credit report .I need this matter to get fix immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debts went into collection and were sold to a collection company. The  Collection  companies have been trying to collect. I have sent letters to Original creditor, collection agencies and contacted credit bureaus regarding matter on   XXXX   XXXX   XXXX    . The original creditor or the collection agencies responded to my letters.   I have no contract with these collection agencies and I have asked for any contract they have with my signature, still no reply. The credit bureaus told me these collections agencies have a right to collect because they bought these debts and they want their money and they do not need a signed contract. I was told by an  XXXX  representative that I could not dispute these collection agencies because my reasoning was invalid.     I have no contract with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  GA  XXXX  as this account was sold to   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX  PA  XXXX ,  XXXX  I have no contract with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KY  XXXX  as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TX  XXXX ,  XXXX  I have no contract with  XXXX   XXXX , as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX .  XXXX   XXXX   XXXX , KY  XXXX  Please help me if possible. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
There Is a motion on XX/XX/XXXX to reset foreclosure sale date on this 100 % foreclosure fraud case against defendant. XXXX XXXX XXXX has sold/transfer/assign this mortgage to : PennyMac. I have been told at courthouse to my face by attorneys that '' Too Big Too Fail '' XXXX XXXX XXXX does not EVER lose a foreclosure case XXXX County Courthouse despite strong evidence against them. 

1. There is case # XXXX XXXX vs XXXX before Florida 's Supreme Court addressing Florida 's 5 year statute of limitation schedule to hear open oral arguments on XX/XX/XXXX. Statute expired on this case XX/XX/XXXX but case continues to be re opened by Plaintiff attorney by paying {$50.00} to court. 

2. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Loss/Destroyed Original Note/Mortgage, Plaintiff and domestic financial terroristXXXX XXXX XXXX lacks legal standing ( do not own mortgage ) funded and sold off originally by now defunct XXXX XXXX Bank, robo signing, robo testifying at non jury trial. ENTIRE COURT FILE DISAPPEARED at non jury trial & continues minus few loose pleadings but granted summary judgement by court. XXXX due process. For heavens sake how is this possible in our sacred American Judicial System where justice and facts are suppose to prevail? 

3. Force placed homeowner insurance obtained by XXXX at illegal price gouging rates XXXX, XXXX times normal amount they know this is 100 % accurate. 

4. XXXX XXXX XXXX uses XXXX County Courthouse to lie, cheat, steal, laugh, disrespect, violate, abuse, XXXX, intimidate every Florida judicial foreclosure civil law in existence on contested and un contested cases. 

5. I want any Department of Justice settlements with this XXXX XXXX XXXX under the Holder administration applied ( Full principal forgiveness ) immediately to this case. XXXX or XXXX cents ( XXXX, XXXX ) on dollar deals to settle are a JOKE & non deterrent in anyway for these lucrative bank home theft deals, just cost of doing business. Once these deals signed by bank executive/s it was business as usual on the way out the door with no admission of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted XXXX  and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX  2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: MN
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: Problem getting your free annual credit report

Complaint:
I am having trouble with getting my credit report from equifax. There is information on there that is wrong, and I can't get into my report to even dispute or fix the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
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 checked my report and there were Accounts On there I have never seen

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: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
he following orders were fraudulently placed on my account. 

Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX While searching for another order this past summer, I stumbled upon an order for a XXXX XXXX that had been placed on my account, but with someone else 's credit card. The order had not yet shipped, so I canceled the order, changed my password and activated two-factor authentication. After keeping a close eye on my account for a few weeks, I didn't see any further orders, so I figured my actions secured my account. 

However, last month I noticed additional fraudulent orders for a number of XXXX XXXX. As you can see from the orders, they shipped to a commercial establishment in Delaware. When researching the company they shipped to, I found online reviews where other XXXX customers experienced the same fraud and had items shipped to this company in Delaware. Whoever placed the orders, must have immediately moved them into my " archived orders '', which prevented me from seeing them sooner. 

I'm still unsure how they were able to bypass the two-factor authentication that is on my account. XXXX odd thing I did notice is that a credit card was built into my account for an individual named XXXX XXXX. Even more odd, after doing a few searches online, it seems that XXXX XXXX is an engineer for XXXX. Could be a coincidence, but it seems odd. 

I've been a loyal customer with XXXX for over 20 years on this account, so I'm clearly not candidate to be running some sort of fraud scheme using this account. 

When I contacted Chase, they did 3 investigations and concluded one of the above transactions was fraud and the rest were valid. This makes absolutely no sense, since the transactions all entailed the same details. Through the course of 3 investigations, Chase never contacted me once to obtain my side of the story, nor have they provided many any documentation or evidence into their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Asked for validation of this debt and they sent me info from an online payday loan company with no signatures. Just typed information with my name on it. That is not Validation nor is it proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XX/XX/2021, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: TX
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:
ftc violations 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 explanation
Consumer complaint received 2015-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time (XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.

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 2021-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i sent a letter to experian on XX/XX/XXXX asking them to remove the inaccurate addresses from my credit profile but it is now XX/XX/XXXX and the address is still wrong. clearly they do not pay attention to what they are reporting on consumers credit reports, nor do they read the letters people send them. 

i have attached proof of delivery as well as the exact letter i sent 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 explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX Transunion XXXX XXXX XXXX XXXX 3 times XXXX 2 times network crs XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2023-03-17
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage Servicing. Prior to XX/XX/XXXX, XXXX XXXX XXXX had been servicing my mortgage. XXXX had my loan on a forbearance from XX/XX/XXXX through XX/XX/XXXX. I extended the forbearance another three months because although I was able to make payments, I was not working nearly as much during those months and anticipated being short. I was told I could make payments even though the loan was on a forbearance so I made the following payments while continually extending the forbearance dates : XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX had assured me the past due payments would be deferred but then the loan transferred from XXXX to Shellpoint XX/XX/XXXX . Shellpoint insisted they needed a full package which resulted in denials for insufficient income. I explained I simply wanted to defer the past due payments and keep my 2.5 % rate because of course, any modification would increase my rate substantially. I only wanted to defer the past due payments and continue to pay my regular payment. I pointed out that not only did Shellpoint deny my loan for retention options but they stopped taking my payments and quickly referred the loan to foreclosure XX/XX/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 2018-06-26
Company: WELLS FARGO & COMPANY
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
They wont allow me to connect to another account as an external account

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