BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The end of XX/XX/2019, I submitted a complaint ( XXXX ) to ask for assistance with regards to the amount the mortgage company was stating that I was behind, and furthermore, increasing my mortgage payments from what I had established with XXXX previously. In the documentation I received from Bayview, it showed increases in payments due to escrow charges. I was not aware of these increases - I didn't verify charges by the insurance company or state / local taxes - lesson learned. In the complaint I also stated that I anticipated having the issues resolved within two weeks because of a car accident settlement. What I did not anticipate was XXXX XXXX refusing to provide accommodations for my XXXX and taking almost two months to pay the settlement, and then, after they " cut the checks '', they delayed mailing them out such that I didn't receive them until the XX/XX/XXXX Once received, I immediately scheduled payments to Bayview for all the back months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and current months ( XX/XX/XXXX and XX/XX/XXXX ). All payments were received by Bayview on the XX/XX/XXXX ; I presumed that I would have the opportunity to work out any other extraneous expenses for the lateness, but instead, the payments were returned - all five! I then began receiving phone calls and things in the mail about the foreclosure and my house being auctioned off. Secondary to all this, is the main breaker blew the XX/XX/XXXX, and it took until the beginning of XX/XX/XXXX for me to save the money to replace it, so I chose to replace it instead of paying the mortgage, thinking the temp agency would find me another assignment and also thinking that XXXX XXXX would pay the settlement in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Portfolio Recovery Associates, LLC with 2 written  letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt. These accounts are listed on my credit reports as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: MO
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 NO CONTRACT with XXXX or XXXX and Experian has failed to remove these unknown medical accounts that they are reporting on my credit report. When I disputed the unknown medical account with XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX and with XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX as per instructed in your response to which had no valid response.

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 2023-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
From XXXX Issues w/ account, kept incurring fees. Always having transaction issues continue to have to go into branch

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 2021-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original credit company, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to XXXX  but only can pay XXXX XXXX. So I settled for XXXX on XX/XX/21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but XXXX XXXX XXXX  is still reporting the same account as a charge off. I then disputed with equifax, XXXX and XXXX  along with copies show proof but they only updated XXXX and all will not update to paid/settled for XXXX XXXX XXXX  XXXX Even though the letter clearly references that the original creditor is XXXX XXXX XXXX. I am filing a complete because I need XXXX XXXX  and credit bureaus to update my status to settled and not charge off with XXXX balance. Your assistance is greatly appreciated. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I PAID my bill on the card web site onXXXX at XXXX XXXX for {$39.00}. GoT a confermation # XXXXThis payment was for a purchas fromXXXX from XXXX for {$36.00}, and they tacked on {$3.00} in INTREST AND OTHER CHARGES, when I paid my bill on time the previous month! THAY PUT A HOLD ON MY CARD BECAUSE THEY COULD NOT FIND THE PAYMENT for {$39.00} I owe {$120.00} on a {$6000.00}, limit card, and they put a HOLD on this card!!! I DO NOT EVEN THINK THIS IS LEAGLE!! THEY NOW WILL NOT TAKE THE HOLD ON THE CARD OFF UNTILL they fix THEIR MISTAKE, ABOUT 30 DAYS!!! I have had upwords of $ XXXX XXXX on this card and this NEVER happend! It has ben in the last year or so thet I eve had PROBLEMS with this card that I ave had FOR OVER 10 YEARS!! I give my PERMISHION to check!

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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Chase Sapphire Reserved Credit Card through Chase Bank and my Chase Ultimate Rewards points were stolen from me. 

On XX/XX/2019, there was an unauthorized withdrawal of ~90,000 Chase Ultimate Rewards points from my account that was transferred over to an unknown XXXX XXXX account based out of New York that did not belong to me. I opened a fraud claim in early XXXX with Chase and they've investigated into this issue. 

Chase was able to identify that the fraudulent transaction had occurred over the phone. The fraudulent party was able to spoof my phone number and bypass through Chase 's identity verification process to perform a manual withdrawal of my reward points and have them converted to cash and deposited into the XXXX savings account mentioned above. Although Chase had agreed that this is a fraudulent transaction, there has been an internal decision to ignore the claim. They are unwilling to resolve the dispute and return my points. 

I was then told that there was an internal review my account and an internal decision has been made for Chase to end their relationship with me as of XX/XX/2019 and because of that, this fraud claim will not be resolved. Chase is unwilling to take responsibility and help resolve a fraudulent transaction that took place prior to this decision to end the relationship. I've been a client of Chase for over 14 years - I have no issues with the company 's decision to end their relationship with me ; however, I should be entitled to the rewards points back that I've earned through the program that were fraudulently taken from me. 

I've spoken to several personal bankers, Private Client bankers and even a branch manager about my case ( XXXX XXXX and XXXX XXXX branches ). They've been assisting me with escalating this situation ; however, Chase corporate will not take responsibility to resolve the claim. 

My identity has been clearly compromised and Chase has failed to protect its consumers from fraud. I'm very disappointed in the decision and am looking to escalate this further to bring light to this matter and protect other consumers that may have gone through this similar event.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Jefferson capital for a debt in the amount of {$230.00} from XXXX. The date given to me was in XX/XX/2012. I have let them know that this is not my debt and that they need to stop contacting me ; yet they are still sending me letters. When I tried to call them he asked me for my Social Security number which I absolutely refuse to give over the phone to anybody they need to stop bothering me with the stuff thats almost 10 years old its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I started working with XXXX XXXX for a loan on XXXX XXXX XXXX XXXX, VA. XXXX told me I would need to pay {$620.00} for an appraisal and I did. 
Since then my real estate agent and I have been asking what is holding up the loan for almost a month and XXXX keep stating she is waiting on the appraisal. Every time we called since XXXX we have been asking how is the appraisal going? Her reply was the same, I am waiting on the appraisal. 

On Thursday XXXX, the Vice President of the XXXX  XXXX Office or Cardinal Financial and XXXX XXXX XXXX XXXX XXXX XXXX called me. I requested that my real estate agent, XXXX XXXX be on the phone with us so he did a three way call. He said to XXXX and I that even though the loan was approved the real reason it is not ready to close is because and I quote : I can not find a buyer for you loan after we close it I explained that was not my fault and the very next day Friday XXXX XXXX sent me an E-mail stating : We are still waiting on appraiser to complete his report. I sent her an E-mail at XXXX on XXXX stating I dont need her appraisal. Then on XXXX at XXXX or XXXX XXXX, she sends me the appraisal and I told her XXXX XXXX has to do their own appraisal and I cant use this. 

On XXXX I sought a Mortgage with XXXX XXXX  in XXXX, Virginia. The loan office XXXX XXXX asked why is it taking so long with Cardinal Financial to close a loan. I told him that XXXX husband and Vice President of Cardinal Financial XXXX  XXXX office told me he could not find a buyer for my loan. Mr. XXXX said he will only take around three weeks to close my loan with XXXX XXXX  and that XXXX XXXX  XXXX  will keep the loan. 

Since the Vice President of Cardinal Financial, XXXX XXXX said he could not close the loan because he could not find another Financial Institute that would buy my mortgage that I am should not be held responsible to pay for an appraisal that I nor XXXX XXXX  can use because XXXX XXXX  said they have to do their own appraisal. I should not have to pay for a service that I am not getting due to the inability of Cardinal Financials issue of finding a buyer for my approved loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank who issues a card for Home Depot would continually issue late fees when payments were submitted on time. Would have to call regularly to get fees rescinded. Finally had it with this credit card company, called and cancelled card. Entire amount was paid off. Company continues to send statements with minimum late fees of {$2.00}. They have their robocaller calling me every day to collect the amount due. Called the company several times. They will not remove the fees, talked to a " manager '' he said he could only remove {$2.00} of the fees not the other fees they have charged to the " closed '' account. Am receiving monthly statements with the minimum fee added of {$2.00}. This is the worst credit card company ever in my experience.

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 2018-08-14
Company: EQUIFAX, 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrectly to Equifax a collection of {$1300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: U.S. BANCORP
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX XXXX of XXXX around XXXX to XXXX am I called us bank online and asked to talk to someone on the loan department, then they transferred me to a lone officer, and I told them i want a personal loan of XXXX dollars. then he went through the application with me online, on that process this banker was asking me all kinds of questions I 've never been asked before when applying for a loan. like where I came from and where i am spending the money and all that, am i spending the money in the united states or what. So i told him yes i was spending the money in the US after everything he told me to give him a minute to submit my application and i did. After he came back he told my i was not approved. why i am saying this is because this U.S bank is discriminating me because he knew i was XXXX. why i am telling you is that the united state is equal lending opportunity because my credit score is XXXX or more, with that i see no reason why this guy would deny me my right and secondly i have been banking with us bank since XXXX till now, there was an inside that happened XXXX when i got a credit card from us bank after awhile i went into hardship and i could n't afford the payment and interest anymore that was in XXXX about XXXX to XXXX i was still struggling to pay the credit card, i got into the credit consolidation assistance, so the credit card was forgiving about {$8000.00} or more, on that year income tax XXXX they reported the forgiving of the money to the IRS , and the IRS told me that i did n't complete my income, that the money they forgiven was part of my income, so they sent me the for and i had to pay the taxes on the money forgiven, after that my credit was bad, but i started working hard to build my credit till now so once i found out all this when the Us bank denied my right, i quickly called my other bank and gave them my information and everything, they ran my application online and i was approved and i should come and take the money right away. Then i strongly believe that U.S bank was bias about me, I am going to attach my  banking statement with U.S bank so you can see, my direct deposit is split in 3 ways and the largest portion goes to U.S bank, I don ; t know what the problem is because i am very very worried about this, sir or ma'am look into this matter so i can know how to proceed. The U.S Bank portions are at the very end of the 2 payslip.

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX   saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you

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 2019-10-08
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dispute this amount with LVNV funding. I dont know what that is They called me and threaten me. And hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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:
I was XXXX for almost 10 years. I was released XX/XX/XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, Fifth Third Bank, XXXX XXXX   and a bad check to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: Manor Resources, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Dear Supervisor, The loan has been transferred to three different companies known as Manor Resources , LLC. and or XXXX XXXX. Three different addresses starting in XX/XX/2018. No more access to online account possible. Unknown if the payments have been credited properly to the account for the last five months. 
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX They are indeed very hard to locate since the transfers started in XX/XX/2018. Please have them send a complete payment history and provide access to the Internet. Please investigate the high interest rate of 24 %. Very concerned abut this situation!

Company response to consumer: Closed with explanation