BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
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:
During the summer, I was in the process of a loan modification with Carrington mortgage to bring my home in XXXX out of forbearance from XXXX relief. While in the process, the mortgage lender kept changing the documents they needed, who needed to sign, etc. They insisted I reach out to my abusive ex-husband and beg him to sign a quit claim deed because this had not been done upon the divorce and the judge 's orders from the divorce weren't " clear '' indicating that the house had been left to me during the dissolution of marriage. Throughout this traumatic, XXXXtriggering process, I did have to contact my ex-husband, who is now sending me threatening emails again. I also kept Carrington informed of every step I was taking in trying to get this man to sign the documents they had requested. I did eventually get the documents from him, sent them to the court an got everything filed and sorted. Still Carrington reported me as delinquent, which has absolutely decimated my family 's finances. Once creditors noticed the delinquency, they began to lower my credit allowances, thus raising my credit usage ratio and making me a " high risk '' for all borrowers now. Please note, I never did not pay when I was told to pay. I was told countless times to " wait '' because the paperwork was not legally correct yet. All I'm asking is for them to remove the delinquency as I was, in good faith, right in the middle of the process of a loan modification. I have dates of all the various phone calls, copies of emails from various employees about the issue and I just need this fixed already. I tried filing with the XXXX but they recommended filing here stating it was a CFPB issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Scammer opened bank account in my name. They had my full name, SSN and address. I contacted Bank of America and they closed the 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
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Approximately XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, accounting Dept during its monthly bank reconciliation of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) operating account they noticed XXXX withdrawals over a 4-day period from XX/XX/XXXX to XX/XX/XXXX of XXXX each transaction to a XXXX XXXX XXXX XXXX  A total of {$43000.00} was Electronically Fund Transfer from XXXX XXXX XXXX XXXXXXXX XXXX  account to a XXXX XXXX XXXXXXXX XXXX  at Chase Bank. 
XXXX is the property management firm under contract to provide accounting and management services to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
XXXX immediately called XXXXXXXX XXXX XXXXXXXX XXXX in XXXX AZ at XXXX left a message and followed up with an email. 
As XXXX is 2 hours behind XXXX  time zone, I did not receive a call back from until approximately XXXXXXXX XXXX XXXXXXXX was informed that it was being turned over to XXXX XXXX XXXX immediately as soon as XXXX signed and returned to an ACH unauthorized transaction dispute form that was emailed me. XXXX signed and sent back to XXXX. In meantime XXXX placed a hold on XXXXXXXX XXXX XXXXXXXX checking account. All outstanding checks will need to be approved by XXXX to process going forward. 
A new account will be opened going forward. 
At approximately XXXX XXXX on Friday XX/XX/XXXX, XXXX contacted me by email that we would need to file an incident report with the local authorities, XXXX XXXX, Florida Sheriff 's Department and the federal government, FBI, which XXXX sent me the link to. 
XXXX did not receive the email until Sunday XXXX the XXXX and the processes were done on Monday the XXXX, XXXX. 
I wish for there to be a thorough Investigation and that charges be brought if/when a suspect is located.

After nearly 10 months, no funds have been returned nor I have had any indication from Chase on this issue via XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received a new credit inquiry on all my credit reports. About a new application for Capital one bank. I didn't make these requests and my information is compromised.

Cap One NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: LEXISNEXIS
State: MO
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:
Lexis Nexis is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. 
The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer reports and Data Privacy Act. 
As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: NY
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 XXXX Kay 's Jewelry has violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX Bank, dated on XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX via mobile phone and XXXX Complaint XXXX date XX/XX/2021 Police Officer XXXX XXXX Withdrawl  Date XX/XX/2021 {$710.00} Despite an arrest  and prosecution, Citibank XXXX Outright " refused to return my money. Fortunately, I now have a way to hold the bank accountable for replacing my hard earned income.

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 2023-03-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX and XX/XX/XXXX My Citibank XXXX Account was frauded by four XXXX XXXX for a total of {$990.00}. 
I never signed up for XXXX and did not even know I had it but Citibank included it in my XXXX XXXX. 
When I discovered it was fraud I immediately called Citibank to cancel the transactions which were still listed as pending. Citibank, who is one of the seven banks who owns XXXX refused despite the pending status because they market XXXX as " XXXX XXXX '' I immediately asked for an investigation and a week later I received a denial form letter from Citibank directing me to " contact the recipient '' even though they knew the reciepient was fraudulent. There was no attempt by Citibank to investigate, thus, Citbank is in violation of Regulation E Citibanks many violations : I contacted them immediately upon discovery of the fraud and while the transactions were still " pending '' and they refused to do anything to try and stop them. 
Citibank lied and told me they have nothing to do with XXXX, when in fact they are one of the seven banks that own XXXX. 
Citibank lied and said they would investigate but instead sent me a denial form letter. 

I received NO BENEFIT from these fraudulent XXXX debits to my checking account, but Citibank did benefit = a quick google search finds that XXXX fraud is EXPLODING. Citibank knows this as a part owner of XXXX but refuses to institute safeguards since they force their customers to bear the losses and wish to continue advertising XXXX as " XXXX XXXX '' I hereby request the CFPB to order Citibank to refund to my checking the fraudulently debited {$990.00} 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 2023-02-16
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company has consistently refused to provide monthly statements, either mailed or electronic. Users are unable to view anything other than a balance when accessing their online 'portal '. Calls to customer service reps have resulted in being told that they do not provide statements to their customers. 

I wasn't event provided with a complete account number when I was approved for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ProCollect, Inc.
State: OK
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:
I am a XXXX Veteran who was awarded A permanent and Total Discharged. XXXX needs to update my student loans account accurately

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 2023-02-16
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Information on Credit Report. Experian Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated 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 2023-03-14
Company: JPMORGAN CHASE & CO.
State: WA
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 visited XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. On my way to the airport to come home, I left my backpack in the back of the hotel-offered shuttle. The shuttle had already left when I realized my backpack was gone. I was standing at the front of the airport when a man dressed in a security airport uniform approached me and told me I needed to go back to the hotel to track the hotel shuttle that had my backpack. I got into the unmaked shuttle with him and a driver to head back. The hotel was approx 15 miles from the airport. We didn't even make it to the airport and the man told me he found the shuttle and we returned to the airport where it would meet us. We drove for less than half an hour altogether, there and back to the airport. I got my backpack back and was told that ride to find the shuttle would cost {$140.00}. I thought that was an outrageous price but agreed. He took out his XXXX and showed me the {$140.00} total and manually typed my card in. I signed for the {$140.00} and he did not offer me a receipt. The whole thing felt organized and sketchy and I felt very unsafe riding in an unknown shuttle with two strange men. I came home and realized this guy had charged me {$1400.00}. Not the agreed-upon {$140.00}. I disputed this with chase bank. At first, they agreed with my dispute and then went back on that decision. I then sent them a notarized letter I will include here after they disputed my dispute. They are not helping me resolve this and taking the side of the scammers. Why would I pay XXXX for a 15-minute shuttle ride? They are not telling me why they are not approving my dispute. They are ignoring me when I ask for an explanation. I was honest about the {$140.00} and was willing to pay that. This is a known scam in XXXX and Chase bank is not supporting one of their customers who has been loyal for years and always paid their account on time. Instead, they are assisting well-known scams occurring in XXXX. I would never agree to a {$1400.00} shuttle ride and for whatever reason Chase doesn't understand that. I am an older honest woman who is being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 on my current credit report from the three credit agencies, TransUnion, XXXX and XXXX, Reference # XXXX and 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently became aware of the latest lawsuit involving Wells Fargo and I'm trying to find out if I may be eligible. I purchased my home through Wells Fargo in XX/XX/XXXX. In XXXX of XXXX, I lost my job after having XXXX XXXX. I had not missed or been late on any mortgage payments and so I called Wells Fargo for a loan modification just to get me by until I found employment. THEY suggested the forbearance plan. My payments were lowered and still I never missed or was late on my payments. During that process, I kept trying for a loan modification but could not get them to approve it. Once the forbearance ended, they called in the amount I still owed. They called me every day. I continued to make payments ; however, the harassment from them would not stop. I do not remember the exact date, but I sold all the gold jewelry I had and sent them a payment of {$1500.00}. The calls kept coming and so, I believe in XXXX of XXXX ( XXXX ) I did not make a payment. By XXXX, I received a foreclosure notice. To avoid foreclosure, I did a short sale. They sold my house for XXXX  the amount I paid for it in XX/XX/XXXX. My Credit was dinged monthly from the moment the forbearance ended. When I purchased my home in XXXX my credit score was well over XXXX. Not only did they ruin my credit, I also lost my lovely little home.

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 2023-02-07
Company: EQUIFAX, 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:
My first attempt with Equifax, they received the information and did not act on it. When I called to follow up, they said the info was too old. I faxed them a written request and the supporting documents 500 times. I follow up, they said they had not received it. I filed a complain with CFPB, who sent them my written request WITH supporting documents. Equifax 's response... .send us a written request and supporting doccuments. so I am doing it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was XXXX. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a XXXX trailer for the next 18 months. During this time we were reassigned to XXXX. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on XXXX occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new XXXX. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our XXXX XXXX for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments.

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 2023-03-07
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COMPANY CALLS EVERY SINGLE DAY 2-3X/DAY, AT ALL HOURS OF THE DAY. 
I HAVE REQUESTED TO BE PUT ON THE DO NOT CALL LIST SEVERAL TIMES. 
I HAVE NOTIFIED THE COMPANY THAT THIS IS A FRAUDULENT DEBT. 
IF I BLOCK THE COMPANY THEY JUST CALL FROM ANOTHER PHONE NUMBER - ALWAYS FROM A NEW STATE/REGION. 
EVEN IF I ANSWER THE CALL AND COMMUNICATE WITH THEM THEY WILL STILL CONTINUE TO CALL. 
I HAVE ALSO SUBMITTED A SUPPORT TICKET ON THEIR WEBSITE AND REGISTERED MYSELF WITH THE NATIONAL DO NOT CALL REGISTRY AND REPORTED THEM TO THE FTC AND THE HARASSMENT HAS NOT STOPPED.

Company response to consumer: Closed with explanation