BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to do a loan modification with Loan Depot since last XXXX. To date we have got a resolution. We have been told so many discrepancies from even supervisors. We have submitted our documentation to them over 20 times if not more. We get contradicting information from Loan Depot in the mail-ex ; your loan has been caught up '' one day later " your loan is in default '' we can help you ''. Throughout the last 6-7 months of going back and forth sending documentation they have needed, letters, etc. my husband called XXXX ; the status and whomever he spoke to said " our request has been denied - " because we aren't 3 months behind on our mortgage '' NO ONE COULD TELL US THAT IN THE LAST 6 1/2 MONTHS!!! Their paperwork that we have filled out states to qualify for a loan modification the hardship had to be resolved. so how can we do that if they tell us our payments need to be 3 or more months late- if that was the case we would have not paid. Also they paid out homeowners insurance almost 2 months early now our escrow account is negative, in return our house payment has increased significantly. 
All we wanted to do and what was suggested to us back in XXXX by a LOAN DEPOT representative was to apply for a loan modification. We are about XXXX XXXX months behind- we just wanted to modify the loan to add the amount late and get caught up- They have every single letter, application, documentation, etc. We are beyond frustrated!!! I DO NOT RECOMMEND LOAN DEPOT TO ANYONE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XX/XX/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 2023-05-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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.

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 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 2022-05-21
Company: Managed Recovery Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a reservation for a car rental using a 3rd party named XXXX but it was charged through XXXX. Once the reservation for XX/XX/2021 through XX/XX/2021 was paid for I received a confirmation email was received and my discover card was charged. The day I show up at the airport to pick up car, they had an issue and made us wait almost an hour to figure it out. They were able to figure out the issue and as curtesy for making us wait so long, they upgraded us. We returned the vehicle and there were no more problems. Months later we get a letter from XXXX saying we didn't pay. We showed them our reciepts and proof of payment but that was not enough and they placed me in collections, Even though we already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: MA
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:
With Experian, a month ago my credit score was around XXXX and they said I should have another card to further my worthiness. Well,. I did that and as of yesterday, XX/XX/XXXX my score had dropped to XXXX!!! This was a loss of over XXXX points! My scores on the other reporting agencies were XXXX and XXXX. There is no way for me to contact them to correct this absurdity! All3 firms use XXXX so I don't understand the discrepancy of such a large number.

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 2022-05-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Greetings in Peace! 

Dear Sir/ Ma'am, Good day! 

This is in relevance with my paypal account which is now facing an unfairly act of imposing permanent limitation without proper disclosure of what had been violated in the said term of agreement by papal.I 've been using paypal with my account : XXXX fora year, not a fresh acct, contained many transactions with my online business and has XXXX $ that stucked in it that i must have to withdrawn asap for emergency purpose for my self medication due to health problems. And i am hoping that i will get back my account normally without any permanent limitation with a fair judgement upon review and to be able to do transaction again in the near future. Attached is my ID and screenshot copy of my paypal account.Thank you very much and God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Last month XX/XX/2022 I was contacted by my mother who was on the phone, she mentioned that she was at US Bank, my mother purchased a car at the beginning of the year Im not entirely sure what this woman was doing but my mother has a history of financial abuse and my mother has also stole my identity and been abusing my Social Security number for far too long so Im kind of wondering how XXXX XXXXXXXX excuse my French but how XXXX XXXXXXXX this woman was able to get my credit loan eligibility ran without me present at branch And without any written consent or even a courtesy call by the XXXX bank teller to double check that my mother was not someone who has actively been trying to get a hold of my personal information and abusing my Social Security number for most of my life. Because those individuals at the banks even if they know my mom they dont know me and the situation because of this take a group do a lot of damage is giving civilians access to other civilians blood relative or not information this is really upsetting to me and I dont feel safe Id like to know that my bank is actually protecting me instead of exposing and exploiting me, Im XXXX XXXX XXXX very busy and I dont have the time to protect myself from my own mother but Id like to know that my bank would not allow my mother to gain any form of my information ever again without my permission written consent form or near proving that I am XXXX I am by showing my identification I doubt they even asked her for her Im appalled and really dont feel comfortable about the

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 2023-01-17
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in a XXXX XXXX and have an individual Flood Insurance and a Master Policy at the XXXX XXXX. Every year the Mortgage Company gives me a hard time about the XXXX XXXX. Generally, they like to see both. Last year I showed them both and they still went out and bought XXXX XXXX, twice. They only reimbursed me once, even though I never needed insurance because I already have it. They refuse to pay me back. This year, even though everything is the same they are changing the rules. I have provided them my new XXXX XXXX XXXX several times and they still find it unsatisfactory and are requiring me to have my individual name and XXXX number on the Master policy. I also sent them property tax records to confirm the address on the insurance matches the master policy. They have sent me XXXX letters on this issue including XXXX that says it was resolved, followed by a letter XXXX days later stating it is not resolved. I am at an impasse with them because they are asking for things I can not provide. PHH has been a terrible Servicer. I have to remind them on tax payments, then they pay it twice. They let my XXXX XXXX lapse and I had to pay it myself and wait to be reimbursed. I have wasted countless hours dealing with them. I have never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
The bottom line is I am being charged {$6300.00} for money I never received from a flex loan from my Citi Thank You Preferred card. Here are the facts : In XXXX I applied for a flex loan of {$6300.00}. When I received an email stating that it was approved, I saw online that the money had not been deposited into my account, but that I was being charged for it on my credit card. I called customer service and spoke with a supervisor in Kentucky, who said the money had been deposited into my account. When I insisted that it had not, she asked for my checking account number and verified that I was indeed correct. She then told me she would launch an investigation into the issue, but she said she could not remove the charge at that time. 

After several more phone calls over the next few weeks, with everyone agreeing I did not receive the money, I told Citi to please cancel my loan application. I no longer wanted the money ; I just wanted the charge removed. To my delight the loan and the charge were both cancelled the next day. 

Unfortunately, that is not the end of the story. When I checked my account online on XX/XX/XXXX, I saw that the credit of {$6300.00} that had been issued to my account was reversed, and I was again being charged for money I never received. I Citi again and spoke with XXXX who told me to check with my branch, but after conferring with a colleague, told me the investigation is ongoing, and that it is Citi 's practice to reverse a credit if it is not resolved within a certain amount of time. 

Since then, I sent a letter to my broker, who said he sent it on to the right people, phoned Citi several times, and spoke to XXXX ( supervisor ) in XXXX. She promised to get back to me but never did. 

Yesterday, XX/XX/XXXX, I received a letter from Citi stating that they can not cancel the flex plan because it was already processed. I phoned Citi and spoke to XXXX, who was lovely and promised to get my information to the right people and ask them to get back to me. 

I am also being charged interest on this non-existent loan, and the charge has been reported to the three credit reporting agencies. I did register a dispute with the three agencies on XX/XX/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 2019-02-06
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was serviced by XXXX for several years after being sold by XXXX. We had some financial difficulties and requested a loan modification. They agreed and I sent a check that didn't clear. At this time I had opened a new bank account. SO, when I saw that the check didn't clear I called and requested they take the money from my new account. Well, the rep didn't verify my checking information and they tried to take it from the old account. So, they wouldn't let us continue. They filed for foreclosure. It was due to go to auction on XX/XX/XXXX, but it didn't sell. So, now we are being serviced by a company called Selene, LP. They haven't tried to reach out and work out a solution. I understand we now have another pending auction for XX/XX/XXXX. I want to know who can legally foreclose at this point? I plan to submit loan modification paperwork to Selene tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 XXXX Unauthorized closing of account also money missing from my account available balance XXXX no email found listed on there record XXXX XXXX XXXX Paypal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Bread Financial Holdings, Inc.
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:
After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. XXXX XXXX XXXX XXXX XXXX provide statements to the consumer reporting agencies and myself showing the corrected mailing address?

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 2020-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I paid CASH with Electronic Funds to CHASE Visa {$5500.00}. This cash was credited to my account the previous day ( Approx $ 30,000+ from mutual funds sale w/help from XXXX XXXX credited XX/XX/XXXX. ). Per XXXX at Chase Visa today, XX/XX/XXXX ( supervisor XXXX refused call ) did not received the {$5500.00} until XX/XX/XXXX, credited XX/XX/XXXX, reversed {$5500.00} as Stop Payment XX/XX/XXXX. I continue to receive mail from Chase Fraud Dept as though I HAVE COMMITTED SOME KIND OF FRAUD!!!!! 
I HAVE ABSOLUTELY NOT!!!!!! I am simply trying to GET OUT OF DEBT!!!!! What is wrong with this bank?!? This all started on XX/XX/XXXX, when a Chase loan officer could not be honest w/me nor apologize for his human mistake! And here I AM PAYING FOR IT STILL!! I will be talking to my attorney on Monday as I am near my wits end & I have absolutely no idea what to do!!!!!!!!! I am sure when I log into my account, I will be overdrawn & CHASE will probably tell me I OWE THEM {$5500.00}!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
XXXX I enrolled in school and took my important documents with me, that day I lost all my documents including social security, debit card, green card, passport. not just mines but my fathers as well that was with me that day. we did a police report back in that year for the lost documents. XXXX later we found out somebody filed child support issue all the way in TX in case of my dad, but someone else with his information did it, my father has never even left the state or even visited TX ever. I'm not sure where I'm getting a XXXX debt from capital one and not only am I being charged but I'm being sued by a third party. I left in XXXX to join the XXXX XXXX and didn't get home till XXXX XXXX. recently this year I received a letter where I'm being sued and i owe XXXX dollars. I've only had XXXX capital one credit card and my limit was no more than XXXX which I paid off not too long ago because I didn't have access to my account due that other account being sent to collection, which I didn't noticed until I received a letter from that third party who's XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Leased a XXXXXXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Returned the vehicle on XX/XX/XXXX. However dealer reported my return date as XX/XX/XXXX. Ally wanted XXXX. XXXX from me. Called Ally lease collection and provided the odometer reading slip, XXXX plate slip, etc to show the vehicle was returned on time. From XX/XX/XXXX to XX/XX/XXXX, emailed and called Ally lease recovery person XXXX many times. Each time she promised to solve the problem with a couple of weeks. Yet problem was never solved and they just sent me a letter and threatened to damage my credit. 

Documents were first provided by wife, then by me. Then they wanted the dealer to submit it. Dealer confirmed submission to the remarketing team. XXXX never replied any email, and said she does not work with emails. I called and got lies and empty promises. All email correspondence from day XXXX with XXXX and XXXX XXXX XXXX are available. 

Account number is 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 2017-11-21
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX XXXX, XXXX I contact XXXX, Experian, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

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 2019-06-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got today a new balance different as the last week this new company fraudulent charges are goin out of control shell point new mortgage company when XXXX transfer me to XXXX XXXX XXXX their balance increased by with out explanation but theirs their corrupted numbers when they gave me the loan modification the last one signed force by court or signed or get out of the house thats what my lawyers said at the time they says to the government that they help me to keep my house when in reality they where increased even more my loan with lawyers fees house watching services I live in my house and I never saw no one court fees a new loan 2 loan into one all this new charges where all the way to {$110000.00} plus that was the help I told my lawyers about not been agreed but the say that no choose im in XXXX an my income it is limited so I did have a choose I got family and I can afford to move and at the time I paid my own lawyer to screed me up but the told my lawyer they will be given me a new loan modification with in a year I needed to keep making my payments for a year so far I didn't but that why this is my second complaint with in a month with 2 different amounts I called the costumer services from shell point mortgage services and they claimed I owe them they dont know which mouth or where this charges comes from but I owed them 6 mouth I send them 6 month prove from my bank but so far nothing but a increased amount from XXXX to XXXX With new principal of XXXX XXXX when in my supposed loan modification isXXXX at this point Im making a complaint about a new mortgage company for the same issues they do increased mortgage so I can not afford to pay it and then rob or my real state my family house Since I got my loan modification and been charged {$110000.00} more on my new balances I was suppose to started I paid from 2015 mortgage every month with out missing any payment some times more or letter in a month but never missed any monthly payment since I got my loan modification which it was supposed to help me to stay home no to sell my mortgage and this new loan company to increases my balances again by the way my complaint are about the abused an corruption and fraudulent way to steal real state lies evil fraudulent ways

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation