BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. 
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. 
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. 
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: WA
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:
In a recent dispute XXXX XXXX, Sr. Consumer Relations Specialist from Equifax , said that the following accounts were verified.XXXX XXXX XXXX XXXX regarding accounts XXXX, XXXX, XXXX and XXXX how is this possible? What was your method of verification. Please send me all documents used to verify these inaccurate accounts, I have no record this information. Please delete these account because they reporting inaccurately affecting my creditworthiness. I am the process of trying rent an apartment for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Nationwide Credit Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My car has a transponder, I went through a toll out of state ( MD ) on XX/XX/XXXX. I thought the toll was paid through the account set up through the transponder. I received no bill until XX/XX/XXXX, so I had no opportunity to pay the toll in a timely basis, and was not aware that the transponder account did not pay the toll. Now I am informed that I need to pay at {$25.00} late fee for a {$4.00} toll. I think it's totally unfair to be charged a late fee for a toll I was not informed of earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive been using wells fargo for about 4 months now. Recently they closed my account due to someone else using my s.s. from their standpoint. They attempted to close my accoun before for the same problem but i already made the appointment and re showed them the original s.s. card and my ID. They still closed my account and this morning i tried getting a new account opened but to no prevail because my s.s. was already used by someone else 's account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been behind 30 days just after my loan modification ended in XX/XX/XXXX and I have been trying to keep my payments up. But recently I recieved a letter from the loan servicing company who is SPS Servicing and now they are saying in a letter after they have reviewed my loan and interest payments etc that they are increasing my loan with interest from the amount of XXXX to XXXX a month. Now how can a mortgage servicing company change my interest or increase it due to an audit finding they supposedly found and are not giving me specific information from what they sent me in writing. It appears maybe they made an error but thats not my issue or my fault and they are not allowed to increase my loan due to their poor oversight of my loan and thats why they are a loan servicing company. I would like this fixed correctly. And all my statements show I still owe as if I did from they day I did this loan back in XX/XX/XXXX. I cant see how this loan isnt going down while its half way paid off?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Sunday XX/XX/XXXX at approximately XXXX XXXX  I purchased a firearm, a XXXX XXXX XXXX XXXX XXXX, from XXXX, a website recommended to me by the ATF when I became an FFL. Ive used the website on many occasions, and have never had an issue. I always check the seller 's rating and that they are verified ( have a green check ) by XXXX. I received a " Congratulations!! '' email confirmation from XXXX that the order was complete, I received a second email telling me to send a copy of my FFL to the seller, which I did immediately. The seller reached out to me via text at XXXX XXXX  from phone number XXXX to finalize the order, and provided an email address : XXXX to send a Zelle payment for a total of {$1300.00} ( {$1200.00} for the XXXX, {$90.00} for sales tax and {$40.00} for shipping ). I had never sent money using Zelle before, but because it was offered on XXXX 's website, I felt a level of safety, so I set up Zelle with XXXX  XXXX XXXX and began the process. I was still a little leery, but my concerns were assuaged when prior to pressing submit a notice appeared that the transaction would be held for 24 hours for security purposes, this alleviated my concern, so I processed the payment ( I took a screenshot just in case there was an issue ).

Then the next morning on Monday XX/XX/XXXX, I was contacted via email by XXXX that the sellers account had been compromised and that they were canceling the transaction and I shouldnt send any money. I contacted Bank XXXX XXXX immediately, who, after an hour and four transfers to four different departments, started with the first person telling me the payment hadn't been sent and there was still time to cancel, to the final person telling me that they can't stop Zelle from sending the money, all they can do is submit a request, even though the payment still showed as Processing ( screenshot attached ). 

I've attempted to file a claim with Zelle, but they require a Payment ID that I am having great difficulty finding, so as of yet I've not been able to speak with anyone at Zelle I can provide screenshots of all correspondences

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX TV was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XX/XX/XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XX/XX/XXXX copies of the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %

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 2023-02-14
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Plus Four Inc. contacted me by mail XX/XX/XXXX by mail and I refused and returned the mail on XX/XX/XXXX as the account was unknown to me. I have previously disputed the account due to Plus Four Inc 's unlawful communication tactics to retrieve the alleged debt. Plus Four Inc. responded on XX/XX/XXXX and erroneously stated that they never received any return mail for this account. This is statement is inaccurate as I have documented proof that I refused and returned any mail received from Plus Four Inc. regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated XXXX " XXXX XXXX XXXX XXXX  verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the XXXX days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2023-03-28
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:
I reached out to Transunion to investigate XXXX XXXX # XXXX as I know there is incorrect information reported on my credit report. 

In accordance with the fair credit reporting everything has me be 100 % accurate on my credit report. 

The TransUnion stated my account was properly investigated, but how is that possible if the date opened is incorrect, last reported date incorrect, date last active also inaccurate. 
This is ground for removal, they also violated my rights under 15 U.S.C 1681 section 602 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage in full on XX/XX/2019. GA statute 44-14-3, Guild is liable to us for failure to Cancel the security deed within 60 days of full payment. As of XX/XX/2019, Guild mortgage had not provided us with copy of security deed cancellation, so I proceeded to send them a demand letter requesting {$500.00} as provided by the same state law.

Guild mortgage refuses to acknowledge and to execute GA law citing that because Guild sent to the clerk on day 58 of 60, they are in compliance with state law. I keep insisting that the 60 days was all the time Guild have to provided to grantor ( us ) with a cancellation of the debt after full payment of the mortgage. 

Your prompt assistance is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My tenant deposited 2 money orders Wells Fargo cleared one for {$100.00} but did not clear the other deposited at the same time for {$720.00} Bank stopped payment for {$720.00} Said fraud or suspicious Only reason I found out I looked online I called spoke to several people No one can tell us why Bank in XXXX fl Accepted deposit without question Bank telling me I have to redeposit Certified copy of check Its been 5 business days I have not received copy of money order In the meantime I have given my tenant a pay or evacuate notice Which cost me out of pocket {$200.00} Bank has no answers as to why it was flagged as suspicious my tenant always pays by money order this is not an unusual Occurrence My complaint number with Wells Fargo is ID XXXX This money was deposited in my escrow account XX/XX/2023 was date of return actually deposit on XX/XX/2023 Bank saying its my issue

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 2022-04-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer ( Loancare , LLC, or XXXX XXXX  XXXX, it appears that XXXX is a XXXX of the other ) acquired my loan in XX/XX/2021. Under the terms of my mortgage, the lender requires XXXX XXXX insurance, and pays the premium out of an escrow account ; no other expenses are paid out of escrow. 

Loancare notified me in a letter dated XXXX XXXX ( but received XXXX XXXX ) that they had no record of my XXXX XXXX insurance policy and intended to purchase force-placed insurance on my behalf. This was odd, since the previous lender they bought the mortgage of had been satisfied with the policy. Loancare directed me to a web form to upload my declarations page, which I did on XXXX XXXX. I did not receive the promised confirmation email, so I called them on XXXX XXXX. They had managed to lose my submission, but I got them to call my insurance company and confirm policy details. They confirmed verbally that the policy was sufficient, and then confirmed it in writing in a letter dated XXXX XXXX. 

Meanwhile, around XXXX XXXX, my insurance agency sent Loancare a policy renewal notice for the policy expiring XXXX XXXX. ( They also sent me a copy of the notice. ) So you can imagine my surprise when, in a letter dated XXXX XXXX ( but received XXXX XXXX ), Loancare informed me that my flood hazard insurance had expired, and they intended to purchase force-placed insurance on my behalf. 

I served Loancare with a formal Notice Of Error under XXXX C.F.R. XXXX, insisting that they perform their duties under the terms of the loan and restore my insurance policy using the money they've been collecting for that purpose and that purpose only. Given that the last time I had to go back and forth with them didn't seem to fix the problem, I am not hopeful and am looking into legal counsel, because this sure feels like they're dead-set on selling me insurance. 

Strangely, my XXXX  carrier informed me on XXXX XXXX ( as I was drafting this complaint ) that they received payment from Loancare on XXXX XXXX, which makes this threatening and errant letter from Loancare dated XXXX XXXX all the more suspicious. 

Broadly speaking, Loancare 's left hand does not appear to have any idea what Loancare 's right hand is doing, and I wish I as a consumer had some choice in servicer -- but I don't, since my mortgage can be freely sold. 

Letters threatening to buy force-placed insurance on behalf of a borrower should not be sent lightly.

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 2020-02-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
As of last year, around XXXX, then the last two months and yesterday, I've been having serious problems with CitiBank. I have 5 CitiBank cards. However ; after today I contemplating on cancelling them. Since ; for a week I tried to access my rewards via email to no avail. My XXXX, email and computer would freeze up when I tried to print the reward check. I tried forwarding it ; printing it ; saving it ; and viewing it. Citibank 's extreme security paranoia is beyond my comprehension. The Business sense and customer service skills are replaced with their security paranoia. It also leads them to arrogance and abuse. My final call to Citi was yesterday from XXXX XXXX. The Costco manager wanted to talk to them, becasue they cancelled my rewards when I called them again Wednesday.. They sent me a replacement email, but NO REWARDS. When I showed Costco the first forwarded rewards ; they had been cancelled! And when I Called them at Costco because the manager wanted to speak to them they were not only uncooperative but threatening and abusive. Since ; by then they riled me up. Thus ; I was very ill this morning because it hurts me to get upset due to my broken sympathetic nervous system and cerebral hypoxia, leading to extreme gastritis. I wish I could cancel all my CitiBank cards, but I can't cancel the Costco card. After driving 120 to XXXX and XXXX XXXX and back to Costco, the rewards had been inactivated, unbeknownst to me! I've earned my rewards ; but could not claim them! Instead ; he displayed threats and abuse conduct!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi bank sent a notice without reason that they were closing my brokerage account then sent 5 more letters closing all of savings, checking and CD accounts. All sent within the last 2 weeks. Again no reason why the were closing the accounts. I have had an account with Citibank for over 40 years with no issues.. I have called the bank, visited the branch directly and sent emails and to date no one has responded including my relationship managers or the branch managers. No reason was provided for the closing of the accounts. I have 3 XXXX 's with an 18 month maturity with a prime interest rate which they are closing a well. I can not get that rate in todays market and still have 16 months until maturity. I should be compensated for the loss of interest if they want to break the XXXX 's without my approval. Is Citi overextended on the rate and will make it convenient to close my account and others that fall into my same situation? I have been told from the branch accounts are being closed without reason. That can not be fair to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice from XXXX. In order to dispute the debt, XXXX required me to create a login and password. It seemed like a scam and I believe I need to be able to communicate without creating a login or password. Unfortunately, XXXX does not put an email address on their website to dispute the debt. Additionally, I don't believe I owe the money they are asking for.

Company response to consumer: Closed with explanation