BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello CFPB I recently applied for a Premier Checking account with XXXX XXXX XXXX. The account was approved on XX/XX/XXXX. I then deposited XXXX dollars into the account and had no further activities since the account was approved. I found out yesterday that I can no longer access my account without any notice or explanation from HSBC. 


I called customer service today on XX/XX/XXXX and was finally told that due to " rules of deposits '', HSBC has decided to close my account with no further explanation or possibility to resolve. I can not possibility imagine that depositing XXXX dollars into my HSBC account has violated any rules for deposit or wronged the XXXX XXXX. Note there is absolutely no requirement for minimum balance level, and my account was already properly approved. I had absolutely zero activities since my initial deposit of XXXX dollars. 

Further, when I called customer service, the client relationship manager refused to have me talk a manager and informed me that HSBC is unlikely to do any business with me in the future! I mean I am now banned from opening any accounts with HSBC. If they don't want to do business with me, they don't have to approve my account in the first place. 

If HSBC is so negligent and improper for dealing with US customers, I sincerely hope their Charter be reconsidered for this country. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
It 's company on my credit report that I did not auortized them to pull my credit When I look on XXXX XXXX it had company on there that suppose be move from my credit

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 2018-02-05
Company: Weinberg Mediation Group LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from XXXX ( XXXX ) XXXX XX/XX/18 XXXX, which went to my cell phone voicemail with a recorded message regarding the following : This is final courtesy call from the Weinberg Mediation Group . Before reporting that you've been uncooperative in the investigation against you, if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance issue to the proper jurisdiction. Our office number is XXXX again thats XXXX thank you good day I have not received any other information nor communication otherwise written or verbal from this group and/or office regarding any alleged debts. The person does not leave his name or ask for a name of the individual hes seeking. The tone of the person leaving the message is very demeaning. 

I have not tried to contact this mediation group and dont plan to based on my legal rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please could you help. 

My home loan was serviced by Planet Home Lending. In addition to mortgage payments, I was also required to pay into an escrow account each month so Planet Home Lending had the funds to pay the property taxes and insurance. Planet Home Lending did not pay the property taxes owed in XX/XX/XXXX & XX/XX/XXXX. I have reached out to them but they say it is not their problem as the loan was transferred to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX and that XXXX needs to sort it out. XXXX said that they could not have made those payments in XX/XX/XXXX or XX/XX/XXXX as they weren't even the loan servicer until XX/XX/XXXX. 

Now there have been penalties that have also been incurred since Planet Home Lending did not pay the property taxes. I have repeatedly asked Planet Home Lending to correct their error but they keep saying it is not their problem and to talk to the new loan servicer. 

I have included the Property Tax Statement which shows the penalties incurred from the county website. I have also included the emails that have gone back and forth between myself and Planet Home Lending. I have also included my annual statement showing the monthly additional escrow payment of {$2900.00} I had to make and that I had {$31000.00} in the escrow account to pay property taxes and insurance - why didn't they pay the property taxes? 

Please help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection notice from XXXX, a subsidiary of XXXX from its attorney, Cooling & Winter. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS.
Provide me with ANY documentation which establishes your legal standing to collect anything from me.
I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by XXXX and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.

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 2019-08-22
Company: EQUIFAX, INC.
State: MO
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 made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called XXXX. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from XXXX well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NV
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:
There are erroneous accounts showing up on my credit report that I have never opened nor provided my permission for these account to be open

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 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: MO
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 made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called XXXX. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from XXXX well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.

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 2018-02-05
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Loancare took over my mortgage. They've raised my mortgage payment in XX/XX/XXXX without notice to where I couldn't pay it because of a county assessor 's mistake. When the mistake was fixed Loancare received a refund on property taxes paid but did not reduce my monthly payments. Then I found out that I am due a refund from my escrow account. Since XX/XX/XXXX I have been trying to get that refund sent to me and I keep getting the run around. I've complies with every request they've asked. And also had my bankruptcy lawyer send them letters stating the refund goes to me -not the bankruptcy court. I've been on the phone with Loancare almost every day since XX/XX/XXXX trying to get my money. I'm so tired of fighting with them to get the money that is owed to me. I'll bet if I didn't make my mortgage payment on time they'd be jumping all over me in a timely manner. Why can't I get the money that owed to me? I'm a senior citizen and this money is greatly needed!

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 2021-03-28
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I first received notice from my home insurance company ( XXXX ) that my escrow payment for the year hadn't been received, on XX/XX/XXXX. I immediately contact my mortgage servicer, First Home Mortgage Corporation and informed them of the issue. They stated they never received the invoice, so the insurance company emailed the invoice directly to the email address provided by the servicer ( I was CC'ed, so I have evidence of the email and invoice going out ). I then received another email from my insurance company on XX/XX/XXXX stating they still didn't receive the payment. So I contacted my servicer again and provided them the information the insurance company requested as proof of payment in order to avoid cancelation of the policy. I never heard back from the servicer. Then today, on XX/XX/XXXX, the date my policy is set to expire, I receive another email from my insurance company stating they are cancelling my policy because payment was not received. I had to pay the insurance escrow payment out of pocket to avoid my policy being cancelled. It is nearly impossible to get a real person on the phone at First Home Mortgage, let alone one who can actually address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I filed my taxes through XXXX on XX/XX/2016. My total refund was {$1200.00}, but after paying my fees for filing, I ended up getting roughly {$1200.00} back as a refund. When I noticed the money hadnt been deposited into my account after several weeks, I contacted Wells Fargo, who then told me to contact the IRS. The IRS investigated it and told me to contact the bank they use to deposit funds into bank accounts. Meanwhile, I am still trying to get Wells Fargo to help me out. So the IRS and the bank they use as a middleman both did their part, but Wells Fargo did not. Ultimately what happened was, I used the number off of a check that Wells Fargo assigned to me and put that as my account number and routing number. A check that was given to me should be associated with my accounts. As it turns out, my refund went into another bankers account. Now I have contacted Wells Fargo several times about this and nobody is doing anything to get my money into my account. No action or responsibility was taken by or has been taken by Wells Fargo.

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 2020-09-09
Company: Experian Information Solutions Inc.
State: IL
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 reached out to Experian & XXXX  over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! Experian and XXXX are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is Experian & XXXX  verifying it as accurate??

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 2020-01-21
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted CMRE @ XXXX XXXX during the first week of XXXX to verify the mailing address, account number and how soon will they remove the debt from my credit report. I was told if I paid by credit card that day it would be put into the system and reported to the 3 credit agencies that day. I was informed if I mailed the payment amount the same process would be followed. 

So I mailed Cashier Check # XXXX, dated XX/XX/XXXX to CMRE Financial Service to cover the medical debt. The company received the check on XX/XX/XXXX. When I called on XX/XX/XXXX because, XXXX XXXX and XXXX indicated CMRE had not reported the debt amount was received and paid in full, I was informed by the CMRE representative that the checked was posted to the account on XX/XX/XXXX. XXXX XXXX and XXXX takes 45days to update credit reports.However, XXXX XXXX representative indicated this is not true. 

This is not fair to me. I have an emergency and I am trying to pay my debt so this will not appear on my credit report. CMRE have not reported they received the funds and cleared my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
A few years ago I co-signed for a student loan for my niece and this information is now showing on my credit report as the co-signor. I am attempting to purchase a home and I need a letter from the servicer saying that the loan is current or in deferment. I lost contact with my niece and can not get her to get a letter on my behalf and the lender is telling me that they can not assist me because I am not the borrower. I can not close on my Mortgage loan without this information and I need assistance in obtaining it. I have four student loans on my credit report totaling {$63000.00} all beginning with the account number XXXX and without the account number or my nieces SSN they won't provide me with any information. Please help or I will lose my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and I seen hard inquires on my credit report. Those hard inquires are fraudulent. So I tried to contact the company but I did not get any resolution. 
So I would like to dispute the hard inquires.

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