BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
My home loan ( Loan number XXXX ) with Select Portfolio Servicing , Inc., was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a Release Lien on XX/XX/XXXX that was filed in the incorrect county. The lien was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. 

I did not notice this until I went through a nearly XXXX-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX .

I need to have the original release of lien filed in the correct county of XXXX immediately and a new lien ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call Select Portfolio Servicing, Inc., they were unable to connect me to someone who could help because they did not show my loan number. Select Portfolio Servicing was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to XXXX  XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to Select Portfolio Servicing. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been making on-time car payments since I purchased the car in XXXX XXXX  and they have only reported payments up to XX/XX/year>. They are 7 months behind in their reporting to credit bureaus which is affecting my credit score and I am unable to get approved to for other loans, approved for credit cards, etc.

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 2024-02-01
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/year> I was approved for a loan modification. I need to be able to send you that approval and screenshots. It was Congratulations you have been approved. There are three trial payments due starting XX/XX/year> for {$1000.00}. Today, XX/XX/XXXX, one day later, I logged on to make the first payment and it says the modification was cancelled due to non payment. Its not due until XX/XX/XXXX! I called Shellpoint and they dont know why and aren't even willing to look into it. Please allow me to send this documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: U.S. BANCORP
State: VA
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a gift card in the amount of {$100.00} in XX/XX/XXXX. I went online on Monday, XX/XX/XXXX to order pizza from XXXX  XXXX XXXX, in XXXX, XXXX Order received and processed with gift card. This was my first transaction. On Tuesday, XX/XX/XXXX, I went to XXXXXXXX XXXX XXXX XXXXXXXX, VA to purchase dinner and the cashier told me there was only XXXX cents left on the gift card. Therefore, after paying the cashier, I immediately went home to card gift card company. I was informed that a female made several purchases ( online ) using my gift card. And, I wrote the name down, too. The lady told me on the phone that I would have to wait to file a dispute and call back on Thursday of the same week. When I called back to file dispute, I was asked my name, address, gift card number ( of course ), told I would receive dispute papers in 10 days. I was also told that I would have an investigation of 45 days, blah, blah. Well, it is XX/XX/XXXX, I have not received any dispute papers and no credit to this gift card. Somewhere there is {$70.00} plus of mine floating in the clouds, and demand to get it back. I called the gift card company just now and after being put on hold on XXXX minutes, they can not find my gift card or any information. What is that all about? Any assistance you can provide will help.

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 monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I wan na say it was between XXXX when my account was closed. I was forced to close my account for overdraft fees all the time I wasnt sure how I kept getting the overdraft fees. I would get paid by my job and somehow Id be paying back fees that I wasnt aware of. I was also still receiving emails and letters once upon a time about resetting my password but the account was supposed to be closed. I was sent money in XXXX  for the hurricane and some how my money ended up going to that account I had to call wells fargo to send me the money

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 2024-01-30
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally received over XXXX from an initiated XX/XX/2023 transfer from XXXX acct XXXX to Ally XXXX # XXXX this transfer was successful but needed 'good faith ' that cash would follow. Ally claimed not to have received the cash so in May I initiated a second ACH transfer for 10,11753 from XXXX  to Ally altho credited to my account Ally claims funds were frozen by XXXX bank. I tried to transfer again in XXXX XXXX to Ally and XXXX declared the account frozen -- according to Ally. 
XXXX did some research ( XXXX ) on account ending XXXX on XXXX and had details about the XXXX transfer and declared the money from the beginning was not frozen, not suspended by XXXX. 
XXXX has communicated several times that Ally had the XXXX from the first ACH transfer in XXXX which Ally denies, doesn't give me interest, it doesn't show up on my account until XX/XX/2023. This began in XXXX. 
Because XXXX claims they never suspended or froze my account during the XXXX transfer of XXXX and Ally claims they never got the full amount ( cash ) from XXXX due to XXXX freezing or suspending my account. 
I guess one could assume I'm confused. I began with XXXX added XXXX ( disputed ) and I should have had XXXX but after 6 months the total dropped to XXXX and that's about all I ended up with. I'm sure some went into CDs but I usually put the same amount every month. This didn't add up to that.

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 2024-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My car was impounded multiple times due to the bank applying multiple overdraft fees which caused my account to be negative when planned/auto payments were already made. I paid repossession departments, towing yards and other fees that could've been avoided if the bank did not make multiple overdraft fees in my account. 
I paid over {$1400.00} plus extra {$300.00} for gate fees to get possession of my vehicle due to bank errors 3-4 times. This would have been in XXXX timeframe. The total cost of was near 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 2024-01-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a call on XX/XX/XXXX stating that I owe a debt for the previous apartment I lived in. I paid a {$99.00} deposit to live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX also known as XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX. It looks like I received an email to an old email address, but I never got any calls, texts, or other forms of communication about this debt until I got a call from the collection agency that the Yards Apartments sent my debt to which is Fair Collections & Outsourcing , INC . They are attempting to say I owed {$410.00} in damages, and after my deposit, I owed {$310.00} that I need to pay to FCO. I asked for proof of these charges and they sent me images that do not justify the charges trying to be charged. For example, they mentioned I owe {$140.00} for carpet damage - pet sanitizing and deodorizing. I actually never owned a pet and I cleaned the carpet before moving out. They also said I owe {$150.00} for a screen door that was never broken and was in the same condition it was left to me. These charges are not fair and this company is trying to fraud me out of money. I was never offered a move-out inspection and I was also never communicated about these charges from the original debtor. This is unfair and is ruining my life and financial health. I need assistance with dealing with this issue and finding a resolution.

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 2023-11-25
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My BF took my debit card and my phone on XX/XX/XXXX without my knowledge because I was not home at the time because I was at my neighbors house. 

When I realized he had my debit card I went on the app of my spare phone and changed my pin and locked the card. 

He withdrew XXXX, XXXX, XXXX, XXXX, on XX/XX/XXXX and XX/XX/XXXX. 

I cancelled my card and had a new one issued. I disputed the transactions with chime because it was not me and it was unauthorized. 

Chime originally gave me a provisional credit on XX/XX/XXXX but revoked it on XX/XX/XXXX. I gave chime my feedback that they came to the wrong conclusion and that I notified them of the suspicious activity and cancelled my card and they could care less.

I know this is not a lot of money to some but it is to me. I feel chime should credit this to my account.

This activity took place in a location where I was not and my phone call to chime and my attemps to change my acct info should reflect this in the IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Credit Management LP is trying to collect an debt and has put it on my credit report and I have disputed it several times. I also asked for a validation to verify they can legally collect this debt. They keep saying XXXX XXXX but I had an account with XXXX. I spoke with XXXX customer rep XXXX on XX/XX/2024 and he stated that they put a ticket in for it to be deleted because I have been in communication with them. I was also told once it was paid that I can start service over again with them. XXXX is a no contract telecommunication so I'm not sure how Credit management got my account or social to even put it on my credit report especially when I have identity theft in place. I do not owe credit management the debt at all. Never opened the account with them and haven't been provided any proof I owe them. They deleted it off my XXXX but its still showing on the XXXX and XXXX I would like it deleted and them to cease all communication and delete my phone number off their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid the balance in full via the Bank Of America pay by phone system to Bank of America. To my shock and dismay I received a bill charging me a {$28.00} " late pay '' bill. When I called to question and resolve the error I was treated like a " debtor '' instead of a paying customer who had paid their balance in full. I spoke to numerous so called " account managers '', who repeatedly said they would like to assist me but the only way they could waive the erroneous fee was to pay it and then to call the day after XXXX XXXX day as it was the holiday weekend that this all took place, and then they would reverse the payment and restore the {$28.00} to my bank account on file. This went on for three days as I called and was told to call back, was provided false phone numbers that just rang and no one answered. Finally, I was transferred to a " collections manager '' who told me the same thing, pay the fee and call back after XX/XX/XXXX and the person I spoke to would see her notes and return the fee to my bank. I was skeptical but also exhausted over this ordeal that I did pay it with her over the phone and it went through my bank the following day. On XX/XX/XXXX I did call but the number she provided me was fake. I finally did call the main number was transferred to another manager who said she saw the notes but refused to return my funds. I contacted my bank and they advised this was a violation under UDAAP and due to the fact that I was given false and deceptive and abusive treatment by Bank of America and it's agents or representatives and they reversed the payment to Bank of America. Now Bank of America is trying to bill me for that " late fee '' multiple times over even though I paid my balance in full on time and I have proof of all payments made since their automated assistant sent me the proof in the mail

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 2024-01-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had prebooked XXXX XXXX car from dealer XXXX XXXX XXXX XXXX located in XXXX, NJ. Amount of {$2000.00} was paid as refundable deposit on XX/XX/XXXX using Citi Visa Card ending XXXX. 

The car manufacturing was delayed by XXXX XXXX until XXXX and I ended up canceling my booking in XX/XX/XXXX. XXXX XXXX processed refund in the amount of {$2000.00} on XX/XX/XXXX to my Citi Visa Card, to the same card that was used to make the booking. A copy of the credit card refund transaction batch processing has been provided by XXXX XXXX as a proof that the refund has been processed from their end. 
On about XX/XX/XXXX I saw a {$2000.00} pending credit on my Citi Visa Card online account from XXXX XXXX. That pending credit transaction vanished the next day. I followed up with XXXX Customer Service inquiring about the credit and was advised that it was normal process for pending credit to disappear, to give it a week for credit to be posted into my account. 
It has been more than 3 weeks since XXXX XXXX processed credit and I have not yet received it. 
I have followed up several times with both XXXX XXXX and Citi Customer Service. On XX/XX/XXXX I met with XXXX XXXX XXXX in person at their dealership. I was assured that they have processed the credit and amount of {$2000.00} has already been debited from their account. I called Citi Customer Service in XXXX XXXX 's Accountant presence, and we ( XXXX XXXX, Citi Customer Service, myself ) discussed on speaker phone about who is holding the money. 
There is not outcome yet and at this point neither XXXX XXXX nor Citi Visa Card can provide an update on where is the money.

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 2024-02-07
Company: CashRepublic Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

BTW XXXX in the XXXX Full time.

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