BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
There have been a multitude of problems with this account. First the most important is that for 1 year they have not fixed the issue of applying funds correctly which is about   XXXX   in funds they did not apply as requested and applied to fees I disputed and have proven to them multiple times I did not owe or were paid to previous servicers in the past. Previous servicer mishandling of funds is something the servicers need to handle and with one that went out of business and was involved in the class action lawsuit CFPB filed against them for fake forced placed insurance and another that I am in class action lawsuit against for misdated paperwork causing harm. Now also the latest with BSI and all is attached for for proof. I had sent in a payment of  XXXX  and told them to apply the   XXXX   in unapplied funds they had on there to complete the payme nt of    XXXX  . They did not do that but is was specified on payment coupon and also faxed them copy of what was supposed to be done on  XXXX  XXXX /17. On  XXXX / XXXX /17 as soon as I saw that they did not apply correctly I called   XXXX  . I requested the funds be applied correctly. The Customer care rep said she could not help me and transferred me to   XXXX   XXXX   to my contact   XXXX   XXXX  . I had sat on hold for 12 mins and previous to that call sat on hold for another 15 mins. Now   XXXX   XXXX   who was supposedly my contact has never once contacted. He never returned my phone calls. Then on  XXXX  XXXX /17 a letter that was delivered on  XXXX / XXXX /17 all of a sudden changes my  SPOC  to   XXXX   XXXX  . I requested someone call me so that I make sure payments applied correctly and if they were not going to apply the  XXXX  and  XXXX  correctly which is attached they need to stop reporting delinquent. They are over {$6000.00} funds applied to bogus fees I have never agreed to applying my funds too and that is attached. This account should not be 101 days delinquent. The games that BSI plays is astounding. CFPB there are over 1000 complaints about this company when are you going to do something. This is not a one person issue it is thousands being abused here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
UMB bought my XXXX from my old employer. I have received XXXX letters indicating I have no recent customer-initiated activity, the latest XXXX on XX/XX/XXXX. " to avoid your XXXX becoming inactive and subject to the Inactive Account charge ... '' I never opened this account. I never agreed to bank with them. They bought out an old XXXX and now are coming after me with fees. 

I have no idea how to login or do anything with them, I never received a debit card. I thought the account had {$0.00} in it and asked to close it, but then received a letter that said there were {$440.00} XXXX  in it. I then asked how to access or transfer those funds and got a super confusing answer about monthly fees. This was on XXXX. 

I just called today on XX/XX/XXXX, because I haven't had time the last few weeks to deal with a bank I never agreed to work with who obviously can not run themselves. I asked how to log in and they said where's your debit card and I said that's literally the problem, where is it? They said it's been closed and an amount of ~ {$420.00} is being mailed to me by check. Where did the rest of the funds go? 

Banks should not be allowed to buy other banks, adopt their accounts, and terrorize their new clients that never consented. Why am I working with a bank I never agreed to work with?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i have called Shell Mastercard twice to close credit card with XXXX  balance and inactivity. 
They said they would close it. However I keep getting statements from them. 
I also have a credit of {$1700.00} that they said they would send me via check. I never received it. 
Shell Mastercard XXXX XXXX XXXX XXXX, KY 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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking at my credit report and checking my loan balances i noticed that all of my student loans through XXXX have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?

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 2022-09-29
Company: Experian Information Solutions Inc.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : 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 2023-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited over {$1400.00} that cleared my account however Wells Fargo kept the money and closed my 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 2017-07-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to modify my loan over the last few months but have not received a response from the servicer, Bayview Loan Servicing. I had a previous sale date in  XXXX  and was able to get it postponed but since I submitted my new file on  XXXX   XXXX , 2017 I have not heard a peep or received any mail addressing my modification package. During the week of   XXXX   XXXX   through the  XXXX , I was advised that my account representative was out of town until   XXXX   XXXX  , so I have left 6 messages for her with absolutely no response. In the voicemails, I have been describing my situation and that I do n't want to lose my home in foreclosure. When I call the general numbers that I have for Bayview, I go in circles through their automated system and it just leads me back to the representatives answering machine. I have been going though this for the last week or so. I have an active sale date for  XXXX / XXXX /17 and need some answers from Bayview. Last month something similar happened and I was told that my house was going to be sold and I felt that I was getting blamed for Bayview not working on my file. I am simply just asking for a response from the servicer. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NY
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 a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-09-22
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Apparently a credit card company sold my debt to Atlantic Recovery Solutions sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son had a student loan thru   XXXX   XXXX  , his father and I co-signed for this loan of {$26000.00} over the past few years payments were made to   XXXX   XXXX   some by our son, his father and myself. After   XXXX   XXXX   formed Navient as their collections company, we were plagued with calls demanding payment in full. Our son 's father paid them {$10000.00} on XX/XX/XXXX  to have them remove his name as a co-signer which they eventually did. My son on or about XX/XX/XXXX  had   XXXX   XXXX   XXXX   ( a service related benefit of education loan ) contact   XXXX   XXXX  /Navient to get the exact payoff of his student loan which  XXXX  was told the amount of {$17000.00}. A check was sent for that amount payable to   XXXX   XXXX  , ck #   XXXX   was received and deposited with a bank stamp belonging to   XXXX   XXXX   XXXX  . #   XXXX   for deposit only. After our son was told that they did not receive this payment he contacted  XXXX  for copies of this check and   XXXX   XXXX    sent him copies of front and back of cancelled check proving this had been done and that they were paid in full.
Navient ( one of several collections agencies contracted by   XXXX   XXXX   ) still denies that the debt has been paid in full and is still trying to collect monies not owed. This is one of the many fraudulent acts that has caused the lawsuits to be filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm a victim of fraud/ Identity Theft. These Inquiries are not mine. XXXX XXXXXXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, and XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
EverBank failed in the first complaint to address the issues in the   XXXX   XXXX  , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with   XXXX   XXXX   if only they had one would have been sent. It can be shown to a judge.
The   XXXX   XXXX  , 2017 letter was a response to a   XXXX   XXXX  , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by   XXXX   XXXX   that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law.
Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against.   XXXX   XXXX   suggests that all parties read the   XXXX   XXXX  , 2017 letter again. This will be the last time it will be mentioned outside of a court room.
Bad paper is not irrelevant. The question   XXXX   XXXX   wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that   XXXX   XXXX   XXXX    motives are out of desperation but a simple Yes or No response.   XXXX   XXXX   has the right to seek additional damages associated with this matter. It has been over sixty days since the  XXXX  letter was sent, EverBank has yet to answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There was apartments that I applied for and couldn't get approved due to wrong information and alot of wrong addresses debts and more. 
I had to keep disputing information This credit bureau was allowing company 's to place false information on my credit report

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 2023-10-23
Company: JPMORGAN CHASE & CO.
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, my name is XXXX and I am in desperate need of your help. I have been trying to get my auto title to my XXXX XXXX XXXX for over 30 days from Chase XXXX. I paid the car off the first week of XX/XX/XXXX and I was told it would take XXXX to 10 days to receive my title. It even states this on their website. 

I have called in around XXXX to XXXX times just this past week, ( not counting the times I've called in since XXXX ), trying to get this resolved and have spoken to over a half dozen people. I have been given their account supervisor phone number of XXXX. All I am getting is the run around and no one is helping. I need my title and bill of sale and they just are not sending it to me. 

The document they said they have sent for my bill of sale and only for my bill of sale are not, indeed, a bill of sale by any means. I will attach that as a reference. Please help me get my vehicle title for the car that I paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: LEXISNEXIS
State: FL
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 XX/XX/2023 XXXX emailed me a notification that dispute results were available. Those results are false and XXXX is knowingly providing false information and reporting unverified information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Data Mortgage Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX XXXX I put in a complaint for mortgage company Essex mortgage that was responded to, with them saying they sent my request through mail and provided cfpb with a copy and not through the portal for my protection. I have not received any documents for the documents i asked for, of debt validation. According to 15 usc 1692g debt validation, the company has 30 days to respond for the alleged debt. Essex mortgage has not responded with proper documentation or any documentation providing debt validation. Essex mortgage is a debt collector and are also not a financial institution who is able to give loans. There is no proof that this company has loaned me anything. This company violated the Truth in Lending Act by charging a down payment which is against 15 usc 1605.They are violating 15 usc 1692a Fair Debt collection Practices Act. This company is a perfect example of the illegal things these companies are doing by extorting consumers for their hard earned money. I've worked hard to provide for my family. Under 12 cfr 1431 banks aren't allowed to loan money and strictly take me as a fool with their illegal activities. This company has not recorded the deed of warranty and promissory note to county recording office as well which is a violation of federal law as well. I have recordings of no recording at the county recording office as well as a recording of a essex employee telling me they could not find my promissory note for 15 minutes of being on hold they returned with documents with a whole different loan number than mine. This company is in clear violations of laws that pertain to the Truth in Lending Act and shall be penalized as i intend to do with federal litigation. Also I have tried contacted employee named XXXX who did call me on XX/XX/2023 at XXXX to give her call at extension XXXX in which i received no response with messages,4 times as provided on my phone records. I also will be auditing this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital Closed my account due to fraudulent activity and have continued to charge interest. I have called and questioned them and even tried to settle but they refuse to work with me on the matter. I believe it is illegal for them to charge me interest if they have closed my account and I would like to be refunded on the interest they have charged me and to settle on a payment to pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with  XXXX  missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made  XXXX  payments since   XXXX   of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with Transunion. I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my  FICO   down  XXXX  points.

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