BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted XXXX Certified Letter via USPS mail XXXX XXXX datting on XXXX XXXX XXXX and deliver and signed on XXXX XXXX XXXX XXXX the second on XXXX XXXX and XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate. 
1. XXXX XXXX XXXX account is reported twice with XXXX accounts displaying the same account number XXXX reporting displays XXXX additional number however it is the same account opened on the same day closed on the same day with the same high balance. 
2. XXXX reporting of this account states the account has been paid with a zero balance and the account status is unknown, while the other states derogatory. 
3. Second reporting of the account states derogatory however ; the account reports no delinquencies XXXX/XXXX/XXXX. 
4. XXXX account displays a Zero balance while the other account displays a balance of XXXX. 
I have disputed this several times the first time trans union sent a letter back saying account belongs to you. Second stated that the account is correct.

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 2020-04-18
Company: EQUIFAX, INC.
State: TN
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:
Never applied for these accounts I.am writing this due to non-compliance with the Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: National Principal Group, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have repeatedly received calls from the NP GROUP out of XXXX, NY for a debt that that they claim is mine. I confirmed with them during one conversation that the debt was not and could not have been mine. The lady said she made a note and that they would stop calling. They have not. Furthermore, I have contacted the bank for whom they claim to represent and confirmed that there is no record of this debt existing. 

XXXX, ny np group

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage from ELend.com. Part of the reason I picked this company is because they offered a {$500.00} check if your loan did n't close on time. Over the course of a month and half their representatives asked me for information covering every conceivable thing imaginable. I provided college transcripts, signed contracts, explanation letters, tax documents, and mountains of bank statements. Each time I provided what they asked for, they came back and asked for a new set of documents. Nothing seemed to satisfy their desire for more information. After over 45 days of meeting their demands I finally realized that they simply did n't have any desire to fund my loan. This has caused me to lose the ability to purchase the house I wanted. They are making excuses to why they should not pay the {$500.00} they promised. I feel like they did n't make a good faith effort to fund the loan. I also believe they are not fulfilling their obligations in providing me a with the {$500.00} guarantee. I respectfully request they credit me the {$500.00} that is guaranteed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Allied Collection Services, Inc. (Nevada)
State: MI
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 did not owe this full debt when I transferred my phone service over.

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
Consumer complaint received 2015-08-11
Company: Allied Collection Services, Inc. (Nevada)
State: NC
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:
Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan service company XXXX XXXX in XXXX advised me via email, they were transferring my loan service to another company. 
I waited for who to pay my XXXX payment. I paid XXXX XXXX XXXX in XXXX on time. I received no notification of who I should pay. I emailed XXXX XXXX XXXX and they told me via email to pay XXXX XXXX as they are now my loan servicing company. 

Shellpoint claimed in XXXX they are the loan servicing company. Shellpoint said they sent me a welcome letter which I never received. If I would have received the letter I would not have emailed XXXX to find out who I should pay for the XXXX payment. 

I advised Shellpoint in XXXX that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. XXXX took 2 months to verify that I paid XXXX XXXX and on XX/XX/XXXX they received the payment from XXXX XXXX. 

My complaint I asked Shellpoint to send me the welcome letter or any letter stating they are the loan servicing company. Shellpoint never sent the Welcome letter I requested. They also never showed me that they sent any letter to XXXX XXXX XXXX stating they are loan servicing company for my loan and to rectify their error. XXXX never notified me that Shellpoint is my loan servicing company. 

Shellpoint severly damaged my credit report by not taking immediate action to verify that I did pay XXXX payment as stated in the XXXX loan email. 

I tried to call Shellpoint loan servicing all they said they don't take calls. Their customer service advice I should send them all three credit reporting agency my credit reports. Shellpoint has that credit information. Shellpoint was trying to get to accept their interpretation of ruining my credit by not talking to me. 

Shellpoint has the community loan email instructing my payment be made to XXXX XXXX, my canceled check to XXXX XXXX, but what I do not have from Shellpoint any official notification that XXXX transferred the loan to Shellpoint. I know Shellpoint did not contact XXXX nor did they send me an official notification. Shellpoint should have reached out to XXXX XXXX that they gave XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX gave me the wrong loan servicing company. 

I do know that Shellpoint is now acting as my loan servicing company with no proof from XXXX that my loan was transferred to Shellpoint not XXXX XXXX as told to me by XXXX XXXX XXXX. 

I spent 7 years a perfect on time payment record with XXXX. I built my credit score to XXXX. Shellpoint erroneous notified the credit bureau of late payments and my score dropped to XXXX. I can not get loan for my sons school or even any type of loan with that score. There were very serious damages to me, by Shellpoint destroying my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
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:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate Please delete asap

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 2022-10-17
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2022 I received a notification from the CHASE bank that my account XXXX with {$38000.00} was closed. I called the bank at that time and they told me I was going to receive by mail a check with the funds and that I had to wait a maximum of 90 days. So I waited, but nothing arrived. Calling the bank again in XXXX they told me that I had to go to the branch to give more information about two transactions I received in the account. 

On XX/XX/XXXX I went to the XXXX, Texas branch and sent by email the requested transaction receipts to the banker XXXX XXXX. He said he received the email ok and that he will send this information to the bank and that I had to call the bank again in 2 or 3 days. I called the bank on XX/XX/XXXX and they said they have not received any update until now. 

I urgently need my money back. 

Thank you. 
Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am an  XXXX   XXXX  military member that signed up with the   XXXX   XXXX   XXXX   on   XX/XX/XXXX  because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on  XXXX   XXXX  status. During the application process they required me to verify my  XXXX   XXXX  date which was    XX/XX/XXXX  by having me send in my  XXXX .
 XX/XX/XXXX  BARCLAYCARD sent   me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on  XX/XX/XXXX  or I Cancel the account both options do not work.      -They state in the letter after review of  XXXX   records  I was already on  XXXX   XXXX  prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department  (   XXXX   )  verified my  XXXX   XXXX  date wa s in  XX/XX/XXXX . I t was the sole driver of my eligibility.     They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on  XXXX   XXXX  and to contact them when my  XXXX   XXXX  status stops so they can discuss options.     I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit   score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered  XXXX   XXXX  members for the life of the  XXXX   XXXX  status. This was not a promotional offer that I expected to change after a year.     I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve this.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/20XXXX 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 2017-01-20
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We Filed a chapter XXXX XXXX, every since US Bank has purposely tried to undermine our mortgage with deceptive practice. They refuse to give amortization of loan since XXXX to date. Giving false principal amounts, and claiming they only have XXXX amortization because of the modification they done, which we never seen nor signed nor heard of, this their basis for taking over the escrow, they refused to send escrow check to pay taxes in XXXX like before bankruptcy claiming we authorized them to pay our taxes which we never did prior to bankruptcy, we have always paid our own taxes. Since they took over our escrow they lie claiming taxes are paid on a specific day for example this year US Bank claimed they paid our taxes on the XXXX of XXXX but in reality they actually waited until the end of XXXX XXXX to pay at the last minute, last year they paid XXXX XXXX, XXXX. This has happen for three years while we were in bankruptcy. Now their new tactic is they are not reporting our mortgage account to the credit bureau and has not going on 4 years during and after discharge of Bankruptcy which was XXXX XXXX, XXXX to date Us Bank home mortgage has not reported our account to show we are up to date in our credit report. Can Something be done about the way they continue to deceptively handle our mortgage lying about modifications when there was none just to take over our escrow account and then not report to credit bureau and refusing to give amortization of original loan history from XXXX through XXXX claiming they do n't have it. We want our amortization loan, payment history, and true principal balance of what we actually owe, and see actual payment history of payments from court applied during Bankruptcy, because principal is incorrect since XXXX to XXXX. Plus they owe us a refund for late fees charged during bankruptcy because those fees were included in arrears paid in full and such fees were suppose to be submitted to the court when asked at such time.

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 2017-01-12
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for {$18000.00} with a {$1000.00} deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year and my current coverage is the same and was accepted when I took out the loan. My loan balance is only 60 % of the appraised value. The representative told me if I did n't change the coverage amount or deductible they would not accept my policy and force place coverage and increase my monthly payment.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-01-01
Company: AmeriCollect
State: NV
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:
The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had lost my XXXX rewards card and there was fraudulent activity. I made multiple calls to chase and each agent : XXXX XXXX, XXXX XXXX, XXXX, and supervisor XXXX XXXX refused to shut down and reissue card. The card is still open to make fraudulent purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a flight using Capital One credit over Capital One Travel Portal for my wife, my daughter and I from XXXX to XXXX. Within 24hrs of booking this flight, I approached to airline and Capital One travel center but both of them denied cancelling and issuing full refund. Both told me that the type of ticket I selected couldn't be cancelled, or rebooked although it is against DOT policy. 
I booked a flight in US using US travel partner of a US based bank and US issued credit card. DOT policy must apply to my situation and they should have let me cancel my flight within 24hrs without any fee. Unfortunately, I couldn't cancel flight and I lost almost a XXXX dollars- I attached a snapshot of the flight booking receipt containing points I used and remaining portion I paid with credit card. In addition to that, I attached my credit card statement. 

Policy summary : hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ).

Company response to consumer: Closed with explanation