BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Foreclosure of my property occurred while the loan modification review was taking place and in effect. MY lender continuously requested bank statements and pay stubs as well as any other supporting documentation, however, the lender did not cooperate with me nor keep your home California and proceeded to foreclose my property, I strongly believe that the Lender failed to comply with civil code2923.6 2924.10 2924.12 2924.18 2924.19 and both the state Senate and Assembly : AB278 and SB900 commonly known as " The Homeowners Bill of Rights XXXX XXXX XXXX XXXX XXXX stole my Hard Earned money a total of XXXX XXXX XXXX by lying to my as i just found out they have being doing to dozens of other people. they promised me a loan modification and they claimed to have attorneys and experts working on my case but they don't they forged my signature and committed bank fraud on my modification application by claiming that i collect government benefits in order to pay for my bills and mortgage payment, all of that information was false and was put in to the paperwork well after they tricked my in to signing blank forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was given a line of credit with " Room to Go '' through Synchrony Bank and I was told there will be no interest accumulated until after one year. They lied and now they are charging me unreasonable late fees and I can't get anyone on the phone to discuss my concern. Furthermore I can't make sense out of my statement online. I notice they recently been sued for their illegal action. Can you help... 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 2023-05-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase closed Freedom Unlimited credit card without prior notice or communication and placed a Settlement alert on my credit score. The credit card was fully paid off before the next due date stated on my statement. I never negotiated a settlement with Chase nor do I want to. I never requested an amount on my balance at the time the account was closed to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Heres what transpired, funding was obtained on my credit card to build this business through XXXX XXXX and they were only accepting payments through wire transfer. A law firm, escrowed funds for me and charged me for this service. I sent XXXX XXXX a wire transfer & they went out of business and didnt fulfill any of their services/products. American Express sent me a court summons. 
Again, XXXX XXXX told us they only accept wire transfer. We went through a law firm to escrow the funds. We sent them a wire transfer and they didnt do their jobs. XXXX XXXX did wire fraud which is a felony. I have all the proof : from all the other complaints, XXXX  website, filed a complaint with the XXXX Attorney Generals Office ( online ), filed a police report & the FTC ( Federal Trade Commission ) coming after them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$110000.00} on XX/XX/2021 and they put a hold on the entire amount until XX/XX/2021, causing me undue hardship as I will be evicted and become XXXX for lack of payment to my landlord. Federal regulations dictate that they need to release XXXX dollars within one business day and then XXXX dollars within 2 business days if they are going to hold it for an extended period of time. Also both banks are within federal reserve district 12 and as such I thought that they needed to allow me to have access to more of that money at least to write checks not necessarily to withdraw cash and theyre not even allowing me to do that

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 2021-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a two family home. I applied for a loan modification back in XXXX of XXXX. Prior to that date we had fell behind in paying the mortgage back in XX/XX/XXXX. My brother who is the co borrower on the loan fell behind due to getting laid off from work due to COVID and my second job was also cut off until further notice. XX/XX/XXXX, my brother then filed a quit deed and that left me alone to pay my mortgage. My tenant loss her job XX/XX/XXXX due to COVID and then moved out. I have been in communication with Bank of America since XX/XX/XXXX until now XX/XX/XXXX. It's been 8 months of a prolonged loss mitigation review process. They have asked me for endless repeated documents and also explanation of expenses. I have been nothing but compliant with all of the documents that was asked for. I call and check in every week with something new being asked of me to send proof of every time. Just when I thought they had everything, the underwriter asked for tax transcripts and proof of water bill back in XX/XX/XXXX which I provided in XXXX  XXXX. XX/XX/XXXX I received a letter that they did not receive documentation of income or proof of occupancy and they closed my case. That was a conflicting letter because every document they asked for I sent it in a timely fashion and spoke to a loan representative every week. It's a dead end calling because someone different answers every time and has to review the file all over again with no answers. I don't know if because I am XXXX american that they won't help me and is basically giving me the run around. They would keep telling me they are noting the account and messaging the under writer and call back in a few days and when I call back dead end no answers. Today XX/XX/XXXX was the last straw for me when they told me that my file was closed on XX/XX/XXXX and I would have to reapply. This is not my fault I want help more than anything and I have been sending my information faithfully upon asked and checking in every week. They don't call me to ask me for information needed. Whenever I call that's when I know information is needed. This is unacceptable and unprofessional there are programs to help people and they won't help me. This is not the first time I have reached out to them regarding my mortgage and they keep denying me. I have XXXX  children I need my home. I have an income all I need is mortgage relief and lower monthly payments. Its very stressful trying your best to save your home and then to find out for all these months was a dead end. Its not right XXXX  I am XXXX, XXXX  XXXX  confused and I don't know where to get help.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureau have been asked repeatedly to validate debt due to inaccuracies in reporting. No action has been taken to validate the debt. Reporting does not meet FCRA requirements and is limiting my ability to build credit appropriately.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-07-08
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank sent me a letter on XX/XX/2022 saying they are going to close my checking account because of the possible fraud activities on my account. I called the Citibank many times to understand which transactions they think is fraud and when I could get the money back ( around {$400000.00} ). They told me it takes 30~60 business days to review my account and return my money. I told them I can send documents to prove all the transactions are legal but they said it is not necessary because they will request the document if needed. After 60 days, they told me the account was closed on XX/XX/2022 and I should receive the check in 5-10 days. After 10 days ( XX/XX/2022 ) they said they need to confirm with the back office and internal resolution team if the check is sent out or not. If not, they will resend it again. Today ( XX/XX/2022 ) they told me they won't return the money because the money doesn't belong to me and they can not further assist me. I asked to escalate to supervisor and the call was disconnected.

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 2022-10-05
Company: EQUIFAX, 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX  : # : XXXX, XXXX : XXXX : XXXX, have 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.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report XXXX XXXX saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.

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 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 submitted a dispute for an account that was paid in full with capital one. XXXX XXXX has reported it incorrectly forthe second time as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car was paid off in Early part if 2019 but had to request title and marked paid a couple of times

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 2023-01-18
Company: Zip Co US Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time XXXX refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never missed a payment or been late on my mortgage, however I received an escrow analysis on XX/XX/XXXX indicating a shortage of over {$3000.00}. Based on the records I have ( mortgage statements, tax payment statements, and escrow account statements ) I determined that one payment issued to pay my property taxes was never received by my county tax collector. CMG Financial issued this payment on XX/XX/XXXX in the amount of {$3000.00}. The county tax collector 's records show this payment was never received. My escrow statement shows that later, on XX/XX/XXXX, TWO payments were issued from my escrow account, though only one payment was due at that time. My property tax statement shows these two payments credited to my account as well as a late fee having been paid. This indicates that the initial payment ( the XX/XX/XXXX payment ) was never received, and CMG issued the two payments for the current amount due and the past due amount and paid a late fee. My taxes are due in two installments, and for this tax year CMG deducted THREE payments from my escrow account. The account was never credited back {$3000.00} for the missing payment, thus resulting in the escrow account shortage. I am now being charged an additional {$280.00} each month added to my mortgage payment to make up for this shortage which I do not owe. To keep my mortgage in good standing I have had to pay this amount twice now and it is due again on XX/XX/XXXX. I have called customer service multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that the issue will be fixed, but it is now 3 months later and nothing has been corrected. Each time I call I am told the issue will be researched, and the latest information I received was that CMG is waiting for the county tax collector to send back the XX/XX/XXXX payment ... A PAYMENT THAT WAS NEVER RECEIVED! I am at my wits end and can't continue to pay money I don't owe every month. It feels like this mortgage company has stolen {$3000.00} per month and there is nothing I can do about it! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX XXXX.

Company response to consumer: Closed with explanation