BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX. XXXX XXXX XXXX XXXX address is repeatedly reported as my current address, my XXXX XXXXXXXX is repeatedly reported as my " current '' & " prior '' address. The XXXX is my current address! They can't seem to understand what's accurate & what's not! 
XXXX. XXXX- they keep putting this on my credit report as " current employer ''. I don't work for this company! They are my auto lien holder only! I haven't applied for any credit that lists this as my " current '' employer! 
XXXX. XXXX XXXX XXXX XXXX XXXX - shows a balance owed when it was paid in full. 
XXXX. XXXX XXXX # XXXX - continues to show on my current credit report run XX/XX/22 that I " disputed '' this when I NEVER DID! I sent the notice of forebearance to update the acct. which went unacknowledged but still is reporting inaccurately as a " dispute '' by me numerous 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX I had loss of income do to XXXX, i than had a XXXX  XXXX that I could no longer afford, and I couldnt stay current on my current mortgage payments. my mortgage gave me a XXXX XXXX forbearance, however never disclosed all money would be due at time forbearance ended. I assumed it would go to the end of my loan. I have been attempting to get a loan modification since before XXXX of XXXX. Countless times Ive have been told told documents havent been received via fax or email uploaded pdf file. Even after speaking with numerous agents to locate things that were already sent the processor keeps asking for the same documents, or because so much time has passed now I have to resign and date documents. I call to check status and still notes of processor still asking for duplicate information. I have filed another XXXX XXXXXXXX trying to save my home the mortgage company has objected stating that it doesnt take a long period to complete a loss mitigation application with their company. However, I have documentation showing that Ive submitting these documents and yet my file is still incomplete. It seems as this department is in the business of helping owners lose the property instead of stay in them. How come the loss mitigation department is the same name as my lender, so I assume this isnt a third party company handling my application. However the lawyers for Dovenmuehle Mortgage seem not to know where I am in this process and cant see why my application has been completed to see what options are available to me. I am doing everything in my power to get them what they, need and yet I have no one to check with to make sure they are doing what is needed to be done so my family and I can stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: GLA Collection Company, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX {$3200.00}, XXXX and XXXX {$350.00}, GLA COLLECTION COMPANY {$90.00}, and US Department of Education {$0.00} reported negatively on my credit monthly. XXXX XXXX XXXX XXXX was paid in full by XXXX and my insurance company. On XX/XX/XXXX, XXXX XXXX XXXX {$350.00} and XX/XX/XXXX, GLA COLLECTION COMPANY placed three collections of {$30.00} each on my credit report, which was already removed once. I have disputed multiple times. I have not signed a medical release to these companies. I have notified the companies several times and asked them to remove it. US Department of Education {$0.00} reported negatively twice. However, this is an error that noone seems to know where it came from. However, I am still in school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, my automated payment of {$220.00} was inappropriately allocated toward only two ( 2 ) of my seven ( 7   ) total Federal loans. {$92.00} was allocated toward loan # 2  ; {$130.00} was allocated toward loan # 4 ; No payment was allocated to the remaining 5 loans ( {$0.00} ). I did not request that payment be allocated differently, the Servicer simply misallocated the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to submit an urgent complaint regarding the non-receipt of funds from Citibank, which has caused significant financial distress and has yet to be resolved. 

On XX/XX/2023, I opened an account at Citibank, placing my trust in their reputation for excellent service and reliability. Unfortunately, shortly after opening the account, on XX/XX/2023, I received a letter from Citibank stating that all of my accounts were scheduled for automatic closure within 60 days. The closure notice assured me that the funds, totaling {$55000.00} USD, would be returned to me via a check delivered to my home address. 

It has now been well over 60 days since the closure notice, and I have not received the promised funds. Despite numerous attempts to resolve the issue through direct communication with Citibank 's customer service, there has been a lack of response and no resolution. 

The non-receipt of these funds has caused significant financial hardship, as I relied on these funds for my financial obligations. The delay has left me in a state of financial uncertainty and distress, and I am concerned about the lack of accountability and transparency in Citibank 's actions. 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention to investigate this matter thoroughly. I believe that Citibank 's failure to fulfill their obligations is a violation of consumer protection laws and regulations. I trust that your agency will take prompt action to ensure a fair resolution and hold Citibank accountable for their actions. 

To assist in your investigation, I have attached copies of the closure notice, bank statements, and my communication with Citibank 's customer service. These documents provide a comprehensive overview of the situation and the ongoing delays and lack of response. 

Account Holder : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Debit Card Number : XXXX XXXX XXXX XXXX Account Number : XXXX Amount in Savings Account : {$55000.00} USD Citi Executive Department Case Number : XXXX I am prepared to provide any additional information or documentation that may be required to support your investigation. I genuinely hope that the Consumer Financial Protection Bureau 's intervention will lead to a swift resolution, ensuring the return of the funds rightfully owed to me. 

Thank you for your immediate attention to this matter. I eagerly await your response and appreciate your assistance in addressing this concerning situation. 

Yours faithfully, 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 2022-04-03
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 XXXX XXXX XXXXXXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # 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 that 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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a refund check from XXXX XXXX XXXX for {$840.00}. The check was deposited in my Capital One checking account on XX/XX/XXXX. However on XX/XX/XXXX a check deposit reversal was issued. Capital One stated the check was invalid. The check was from a XXXX XXXX XXXX XXXX checking account for XXXX XXXX XXXX XXXX The date of the check is XX/XX/XXXX check number XXXX. I asked Capital One why was the check invalid and they have yet to give me and answer. On XX/XX/XXXX I spoke with bank manager XXXX XXXX and she refused to give me an answer. She was rude, disrespectful and mean. No effort has been made to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, I had a vehicle repossessed because I could no longer afford it. This was a voluntary repo. I only received a letter from the original creditor, XXXX XXXX XXXX, dated XX/XX/XXXX, that they " had my car and intended to sell it at a private auction. '' This was the last communication I received about this matter. Fast forward to XX/XX/XXXX, I received a call from my employer at the time that an unfriendly person was trying to find me, but they refused to say why, only that " it was personal. '' From what my employer said, this person was very aggressive and they had to ask him to leave. I contacted the police, fearing for my safety, and through several communication with law enforcement, I found out who the person was, and that he was a process server trying to serve me something. XX/XX/XXXX, I contacted the process server 's employer, XXXX XXXX XXXX, who told me they were hired by Sentry Credit and had no other information. I contacted Sentry Credit and  asked them what is going on. They only told me they had a debt in their office. They never contacted me prior to that conversation. I asked them to send me all documentation regarding the debt, including all letters that were supposedly sent, so I can verify the debt. Almost a month later I received a packet from them dated XX/XX/XXXX. No where in this packet was a letter about a debt in their office, or giving me the option to dispute the debt. XX/XX/XXXX, I received the paper they were trying to serve me, and it was a court summons for 20 days, dated XX/XX/XXXX, stating that they were suing me in court. I contacted sentry credit around XX/XX/XXXX or XXXX, and asked them why they were doing this, and they did not say. I attempted to ask them to give me a court date, but she only said that I didn't need to go. I offered to set up payment arrangements to stop this process, and she refused. both times I spoke with Sentry Credit, I spoke with XXXX XXXX. I do not know the name of the individual at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a text alert and email asking if I opened an account on XX/XX/12 as well as an email address verification asking me to call if I do not recognize this activity. The alternate billing account was listed for California and no transactions were made yet. Bank of America has closed the account and will be sending me the application.

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 2023-07-14
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my loan to Chase. I didn't know anything about it until the very last minute. 
When I call the ignorant people they have answering the phone only know how to say they don't know. 
I think a 60 day notice to the person buying the home should be in order before they have a right to do anything with the loan. 
Nobody can find my check or money and nobody from either company knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of id theft regarding a purchase/lease of furniture thru " XXXX XXXX XXXX XXXX? '' ( XXXX XXXX XXXX ) in XX/XX/XXXX (? ) in XXXX, Ca. for {$2000.00}. Was completely unaware of transaction. Someone was able to access my credit files and got approved online or in store by instant credit? In XX/XX/XXXX I received a letter from debt collector Halsted Financial ( XXXX, Il ) to settle for {$1000.00}. I responded within 30 days disputing debt and requesting all documentation of said purchase, as allowed by law and FTC rules ( purchase receipt, delivery info, phone #, etc. ) Sent proof of id, letter and cc of FTC rules to Halsted ( XXXX XXXX ) in XX/XX/XXXX 

NEVER HEARD BACK. For over a year, Halsted personnel/ telecallers have called/texted repeatedly to attempt to collect on the above id theft debt using abrasive, threatening, and deceitful phone calls and messages. Will not reveal their name. Impersonates or implies connections to law enforcement, the DA, or a law firm. HAS CALLED relatives ( huge violation of Fair Debt Collection Practices Act.. ) Yells my social security number and date of birth over the phone and says " we have a team looking for you! '' I am XXXX years old, a XXXX and XXXX XXXX. This doesn't work on ME -- but what about a vulnerable senior? Also -- YELLS instructions to call out of state phone numbers to provide credit card info. I have saved voice mails of all above. 

Goon-like, BELLIGERENT and illegal debt collection activities. Have resent them ( to XXXX offices on XX/XX/XXXX ) cc of all docs from XX/XX/XXXX ( id theft report, etc. ) and will contact state, city, and federal authorities in Illinois, including the XXXX County DA,  The XXXX County dept. of Senior Services, the city attorney, the Illinois state Dept of Aging, and the state AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: M&T BANK CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was recently denied credit and other things from company 's because the misuse of my credit report and for them not disclosing my rights for certain actions and taking actions without my consent I sent my letter t o fix the problem on XX/XX/2023 they have committed fraud and for that I couldn't get the securities I needed for me and my family that caused a great affect in my life

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 2023-07-14
Company: WELLS FARGO & COMPANY
State: NY
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:
on XX/XX/XXXX consumer stated that mortgage with Wells Fargo home mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which Wells Fargo no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/XXXX. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for the XX/XX/XXXX reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/XXXX. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as of XX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX I had an offer on my house to sell it. I am in a Chapter XXXX bankruptcy. I requested a payoff amount from Ditech Financial and they provided me one that was incorrect. I sent notification of my concern to Ditech. I used the payoff amount anyway and wanted to settle up after the close rather than delay. The closing was postponed until XX/XX/XXXX. I requested another payoff and the Ditech then sent a letter to the court saying wanted a hearing to make sure that I was selling the house for more than the mortgage which was a delay tactic since they had the signed offer and they knew what my mortgage was. They requested the hearing and it was set 2 days after my closing date! The buyers backed out and I was left with lots of expenses. I got a letter shortly after that from Ditech saying that they were in error on the first payoff and I was correct with my numbers. 
I have another offer on my house and I requested the payoff 30 days ago and have received nothing. I called this past week and they said they could not send me the payoff it had to go to my lawyer? This is after they had already sent me directly payoff information. I am being ruined financially and my wife is on the verge of a nervous breakdown. it is obvious that they are doing this with purpose and malice. What can I do. I am also giving all of the money I get from the closing to discharge the bankruptcy. So this is action by Ditech is preventing me from doing that as well. This is predatory. What can I do? I just want out and get on with my life. Please warn people about Ditech

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account listed on my credit report as " syncb/PPC '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted synrchony Bank directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report.

This is a violation of my rights under the fair credit reporting act.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation