BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of 2023 I opened a savings account so that I could use it specifically for my mortgage payment and nothing else. Prior to opening the account, my partner and I were using his savings account but I wanted to have an account that was just for the mortgage, and I opened my savings. Unfortunately, I had gotten my savings account number and my partners confused and our mortgage payment kept bouncing. I had discussed these happenings with the service handler, which is Lakeview Loan Servicing, which is a subservice of XXXX and we tried to figure out why we were seeing returns, because it wasn't showing up in my bank account til my partner realized I had HIS bank account listed in our online, XXXX Lakeview account. Needless to say we corrected it right away and we made all the payments again, that had not been applied to our mortgage account. However, since we have corrected the error and made the payments, Lakeview says WE NEVER MADE THE PAYMENTS. This is false. We made the new payments and they had gone through my bank without a problem. Lakeview repeatedly tells us they were returned to the bank for insufficient funds. The payments were not returned to our bank. When we called them, they repeatedly and intentionally put us on hold and never came back. This was done several times to us and as I type this, the rep named XXXX has put me on hold on purpose and has not come back, after 30 minutes waiting, a rep by the name of XXXX took the call. She says the payments that Lakeview physically had in their possession, were returned for insufficient funds. How does that work exactly? 
Other reps denied that there was any money available to apply to my mortgage. I feel as if they are intentionally trying to make us late so they can start a foreclosure. I'm actually frightened. All I want is a mortgage servicer that I can trust and is not shady. How can I switch mortgage handlers? - 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 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The following is a chronicled sequence of what happened between us and the Santander Bank ( the page numbers refer to the page numbers of the attached PDF files we submitted and received from the Santander Bank as evidence ) : 1 ) We were notified a couple of months ago that Santander Bank is going to close our neighborhood branch, and we started to look into our deposit of over $ XXXX with them in XXXX XXXX XXXX Savings and Checking accounts ( Page 1 ). 
2 ) After we realized that our over $ XXXX savings at Santander Bank were only earning a monthly interest of less than {$10.00}, we stopped by a Santander branch on XX/XX/, to close the accounts. One branch representative told us that they were offering an interest rate of 4.25 % APY to our type of savings account, but only to new customers, so she is going to request that rate for us in order for us to keep the accounts open, and told us it would take 3-5 business days for the new rate to be in effect ( Page 5 ). 
3 ) We followed up at a Santander Bank on XX/XX/XXXX and then on XX/XX/, only to be told that the 4.25 % APY rate was not going to be applied to our accounts. We decided to close the accounts on XX/XX/2023, and the bank representative cut us a close-out bank check without any disclosure ( Page 2 and 3 ). 
4 ) When I compared the close-out bank check amount with my XX/XX/2023, statement ( Page 4 ), I realized that Santander Bank did not pay me any interest earned from XX/XX/2023 to XX/XX/2023, which would be paid automatically by any bank we closed out accounts before. 
5 ) When we called the Santander Bank customer service about this issue, we were told that they wont pay any interest of our $ XXXX, since our statement cycle is not closed until XX/XX/2023, and we closed the accounts on XX/XX/2023, citing their XXXX  Page 7, Section B5, which was not made aware to us when we closed the accounts, and did not sound legal to us in terms of fair customer protection. 
6 ) We think Santander Bank is deceiving and disserving customers by two ways : a ) Not paying the nearly whole month of interest on our $ XXXX without disclosing when we closed out the accounts. 
b ) Not paying the same interest rate on our $ XXXX deposit for several months while their rate is about 50 times higher for the same type of accounts for new customers. 

In summary, we think a ) legally they need to pay us the fair market interest owed to our bank accounts of $ XXXX for XXXX, and b ) Attorney Generals office should be made aware of their deceiving business malpractice toward customers.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-06-02
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XX/XX/2021- Transunion reported a XXXX XXXX XXXX filing on my credit bureau report. I wrote transunion and requested that this be investigated and removed. After over 6 months of going back and forth with Transunion, I contacted the Bankruptcy court who responded by saying that they did not Verify the information that Transunion had stated it had received from the US Bankruptcy Court. To date Transunion is the only bureau that reports this public record on my report and at this time, this has costs me several credit opportunities. No lender will even look at my application because of this error. 

I have supplied Transunion with a copy of my credit reprot demonstrating that TU is the only bureau showing the Bankruptcy Filing and the other bureaus do not show this filing. Secondly, I forwarded a copy of the letter from the bankruptcy court, and I also sent TU a letter of incarceration demonstrating that I was XXXX XXXX  ' at the time of the bankruptcy filing. They still will not remove this record or any of the inquiries and adverse information associated with the bankruptcy filing. I am seeking resolution of this issue by TU removing the XXXX XXXX  Bankruptcy, all accounts referencing a bankruptcy and any inquiry on my credit file in the last 18 months as I was XXXX XXXX during this time and did NOT authorize TU to allow my credit to be pulled.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-14
Company: Sentry Recovery and Collections, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sentry Recovery has been calling me non stop since XXXX of XXXX. I've received phone calls from them over the last XXXX years from time to time since the collection was filed against me. One representative calls me about 3-5 times a week. He threatens me with things he can not do like seizing my bank account, assets, or property. He gets extremely irate when I ask to speak to another employee, today he slammed the phone and hung up. People trying to help me in my situation believe they are a scam but it is not, it's from a company based in XXXX XXXX NV who have been sued over 10 times in federal court. They refuse to contact the other members on the lease, they pressure and harass me weekly or daily because I'm the only one they can get a hold of. I thought I was doing the right thing trying to take care of this but it only opened a worm hole of problems after. The disputed amount was for about {$7000.00}. We came to terms and deducted it to {$2500.00}. When I asked the company to provide that agreement in writing the man, XXXX, became furious and got snobby saying " he was only trying to help me '' before hanging up. He threatened to terminate my debt agreement with the company and proceeded with more empty threats. I find it weird that they've had this on my credit report for XXXX years but refuse to send me and written documentation of the debt or what our recent agreed amount was, I was asking them for emails or letters and they continue to tell me that they aren't able to do that for me. I've asked for written things since XXXX from the company but they refuse to comply or send anything in writing. I'm very sketched out because of how aggressive and mean the employees are on the phone, it's terrifying to have your life and income threatened by people who are completely unreasonable and won't provide any sort of legal documentation.

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 2021-10-15
Company: EQUIFAX, 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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
This not a duplicate request. This is not made in error. I do not consent to XXXX verification. Please see attached document for review.

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 2020-06-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been having problems maintaining my account due to COVID. I am still on CARES ACT unemployment and money have not been going through as often. Therefore I am politely, yet sternly demanding all {$440.00} collected from me in overdraft fees from XXXX be returned to my account or risk loosing me as a customer. 

Ive been with chase since XXXX and I wish for it to stay that way. 

You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen in the upcoming decades that require you guys to not charge more than a certain amount per day/ transaction. 

I have a kid to raise and bills to maintain, please don't get in the way of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I used XXXX XXXX XXXX XXXX and gave XXXX my Costco/Citi Bank credit card number for monthly charges for the phone service. I discontinued my XXXX mobile service on XX/XX/2022 and began using the service of a different carrier. XXXX continued to charge my Costco Citi Bank card even though I had discontinued service with them. I notified Citi Bank several times. Citi Bank failed to resolve the dispute and continues to allow XXXX to charge my card.

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 2023-05-04
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have new and updated information regarding complaint number : XXXX XXXX XXXX XXXX XXXX XXXX. and Hayt Hayt & Landau, P.L. are debt collectors who are attempting to collect an unvalidated debt that they refuse to provide documentation for me The Consumer to assess and validate the accuracy of their claims. XXXX XXXX  XXXX, XXXX. furnished my personal information to Hayt Hayt & Landau, P.L. without my consent. Hayt Hayt & Landau, P.L. used my personal information to contact my employer without my consent in attempt to cause me harm by impacting my employment status with their extortionate collection attempts. Last, XXXX XXXX XXXXXXXX, XXXX. and Hayt Hayt & Landau, P.L. have threatened to take my property by filing an unauthorized legal action within an unauthorized venue in their attempt to collect this unlawful and unvalidated debt.

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 2022-11-13
Company: EQUIFAX, INC.
State: OR
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:
On the morning of XX/XX/2022, I pulled my EQUIFAX credit report and noticed wrong names listed within the credit profile as well wrong address that where listed inaccurately. I gave Equifax XXXX XXXX XXXXXXXX XXXX XXXX was informed by representative XXXX, that the information would be removed within XXXX XXXX. As a courtesy I have mailed off documention showing my full SSN Number, a copy of Electricity XXXX & a copy of my XXXX issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$0.00}

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 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we refinanced out home however Bank of America never released the Lien and I have been trying to get them to fix the problem since XX/XX/XXXX, it has been the worse experience I have ever had with a bank they could care less about this and they should have done there job 18 years ago. they should be paying my mortgage for the past 18 years since they did not do there job. I have reached out 7 times with no resolution????? 
The Reception no 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