BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/XXXX, a balance transfer of {$2500.00} was transferred from CITI Cards, PO Box XXXX, XXXX XXXX, SD, XXXX to XXXX XXXX. 
CITI XXXX has never acknowledged the payment and has continued to extract payment from my bank account using a forged document until a stop payment was issued in XX/XX/XXXX. Since then they have attempted to collect the debt using such tactics as phone calls, reports to the Credit Bureau and a notice of assignment to a collection agency. 
A subsequent investigation of the original debt revealed the following : XXXX XXXX XXXX XXXX ( Replacement of Roof ) Date of Sale XXXX XXXX Job No. XXXX Initial Payment {$2800.00} Final Payment {$6700.00} Total Price {$9500.00} The final payment ( online ) was in XX/XX/XXXX. 
On XXXX forged Check XXXX was issued by this company for the amount of {$570.00}. Thereafter, checks numbered from the series XXXX have been used to collect payment, This is evidently a scheme targeted people who do not keep close controls on their bank account. 
The totals to date : 60 transactions {$14000.00}

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 2018-03-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting that my account went 30 days late in XX/XX/XXXX. I've never been late. I've tried fixing this with them directly but they are unwilling to fix the problem. I've asked for proof of an online chat that took place around XX/XX/XXXX-XX/XX/XXXX where they say I was told to pay a certain amount for the month of XX/XX/XXXX and they are not willing to provide that proof to me. It was their customer service rep that made a mistake on my account and they are not willing to fix it. I've paid all of my bills on time. This is the only problem I'm having.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT XXXX XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!

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 2018-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My fixed rate was changed to a variable rate. I did not receive mail that they insist that they sent. Because rate was FIXED, I did not think it could be changed to variable as long as I kept my account current. This practice is very deceptive and even though they responded to my complaint ( surprise surprise in their own favor ) I want CFPB to please review what happened and suggest changes so that other consumers do not fall victim to this type of deceptive practice. 

Fixed means fixed. My fixed rate mortgage will remain fixed for the entire term. Why would the average consumer have any idea to question that it is any different with credit cards? I never looked for any changes because by signing up for a fixed rate card I did not expect that it could be changed to a variable rate. Chase says they sent me a letter and an update years later but I did not get their mail. I didn't but what if I were to say I got it and sent it back asking them to opt out? If the mail was misdelivered, lost or stolen they would have the same frustration I have now, but they are bigger and they hold the cards so I would be told that since they did not get it that I am out of luck I am sure. Everything is situated to benefit them and that IS NOT FAIR to consumers. 

Cardholders are required to sign for the initial terms of the card, so why are they to opt out if they do not agree with changes that are set to benefit Chase? My theory on this is that there are predictable amounts of people who will not receive their mail or not reply to their 'notice '. They can predict increased revenue based on this alone and the people who don't opt out who really want to keep it ( even though it is not in any way benefitting them ), is just more profit for them. The cardholders best interest is not of their concern. They are already making money on the accounts but this just allows them to strong arm more money from their customers. Very unfair. 

With this premise, would it be ok for me to send them a letter, not registered, no proof of receipt etc telling them that I am going to quit paying my card and that they agree to write off my debt if they do not reply in 45 days. If they do not reply in 45 days I can then tell them and the credit bureau that they did not opt out of my proposal and I can then be free and clear of my debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
See attatched USAA IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched USAA Confirmation of Settlement USAA XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) USAA HAS DESTROYED MY CREDIT FOR YEARS. USAA COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX  XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested Loan Modification on my first mortgage, from Chase Bank, ( loan #  XXXX ) on XX/XX/XXXX. I have been a chase customer for almost 15 years, and have paid on time, and just requesting a longer term and/or a lower interest rate to make it easier to make payments due to corona impact. I have submitted requested documents 6 different times between XX/XX/XXXX and XX/XX/XXXX ; each time I get a call back from the " relationship XXXX '' with questions from the underwriter. I explain the answers, and she then speaks with " underwriter ''. Based on her questions, and underwriters response, neither understand some basic accounting practices ; each time I answer their question, or submit a document, they ask a completely different question about the same thing, seemingly not understanding how my real estate is owned, what a schedule " E '' is ; what a profit and loss statement is, nor understanding that leases can be renewed on line through out payment portal/website.They have the tools necessary to see proof of all my income and expenses ; they have a report of all rents paid, they have the bank account showing the deposits, and the tax return reflecting the income. They have original leases, and a printout from the tenant portal/website showing the lease dates, which are acknowledged by the tenant if/when they renew. in the 21st century, rents and leases are done online, and if they connect the dots they see it all agrees, and the income is deposited and reported as stated. 
I have the feeling they are making this as difficult as possible to avoid make any adjustments, and trying to assist long term customers.I would like a review of all the documents ( some of which they claim they don't have, but their site has acknowledged ), I submitted, by someone who has some better understanding of IRS requirements, and basic accounting. Their approach is shameful, disrespectful, and makes a mockery of a simple process into a very difficult one because they seem unqualified to be in the positions they are in.Chase has a moral responsibility to be more accommodating and responsible to their customers, long term or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company kept calling saying a debt was mine when I never had this debt at all that is being claimed I owe as well as reasoning for natural disaster is a lie! I do not have a natural disaster going on where I live and this debt isnt mine! They kept calling harassing me and insisting it was.

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 2023-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/26 I have accidentally transferred XXXX USD to XXXX XXXX XXXX from XXXX  XXXX XXXX to his Wells Fargo bank account, on the same day XXXX  XXXX XXXX initiated a wire transfer recall but Wells Fargo bank is unable to contact XXXX XXXX and the request to recall is still in progress for last 15 days. I have contacted XXXX Offices Of XXXX XXXX to seek a legal help. Attorney tried to contact XXXX several times but XXXX is not responding to any calls. I spoke to XXXX one time and explained what happened and he told me to to get back to me. Attorney prepared a demand letter and sent to his email id XXXX and also sent the same to his residential address and to his phone but no response yet. 


I really need your help to locate XXXX and see if we can contact him, explain him and see if he can work with bank to reverse the transaction.

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 2016-10-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am reaching out to you because I can not afford to take legal action. I 'm hoping that you can help me resolve this matter that is in foreclosure status as I 'm a new father. I do n't want my family to lose our home. I have been faithfully paying our mortgage on time ever since we received our second chance which is a Loan modification approval on XXXX XXXX, XXXX from our original mortgage lender/servicer, XXXX XXXX XXXX. I completed my Making Home Affordable loan modification with XXXX XXXX XXXX on XXXX XXXX stating that my loan modification is now a permanent loan modification. I have sent my payment on time and have complied with all the terms of my permanent loan modification with XXXX XXXX XXXX, which is a fixed interest rate of 2 % and a payment of {$3200.00}. Then on XXXX XXXX, my account was sold or transferred to Nationstar. By law, All of my terms agreed upon with XXXX XXXX XXXX were supposed to remain the same after the transfer to Nationstar but Nationstar has changed my payment schedules and has put me on a foreclosure status because I continued to send them the same amount of {$3200.00} as per the fixed rate permanent loan modification agreed upon with XXXX XXXX XXXX. I do n't know what else to do but to file a complaint under your office and hope that I can get a resolution to the situation I am currently facing. All I want to do is for Nationstar to honor the permanent loan modification that I agreed upon with XXXX XXXX XXXX. Your response is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CATHAY BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Cathay Bank sent me a check book and a debit card for an account I did not open. The account has monthly fee. 

I had a closed account with XXXX bank in XXXX, who sold their XXXX business to Cathay Bank since XXXX, which has reopened that account in my name without my consent. 

The customer support line of Cathay Bank is not responding after XXXX hour wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXXXXXX  XXXX 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 2023-07-14
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX i informed Early Warning Services & XXXX XXXX  that i was a victum of fraud they failed to block the information on my consumer report that is holding me back and not letting me move forth with my life. Being a victum of fraud and not getting the resolution in order to protect me the consumer is frustrating. Ive submitted an identity theft report and filed 2 cfpb reports and these companys are still not protecting me as a consumer. On the date of XX/XX/XXXX my XXXX XXXX  account was closed due to me being a victum of fraud, XXXX XXXX required me to pay a fee online to get in good standings with them again but I didn't have the knowledge on the action I needed to take in order to get help. Since then, a identity theft report has been filed and also a CFBP report. After my account was closed in XXXX the following years I got a job and was unable to do direct deposit due to being inside of early warnings system, its XXXX and I now applied to get an apartment and was unable to do so because the lack of an bank account and I know by law EARLY WARNINGS SERVICES IS IN VIOLATION OF MY CONSUMER RIGHTS, your services is meant to help consumers but I have not been able to move on with my life due to you guys reporting negative information when I was a victum of fraud. PURSUANT TO 15 USC 1681b STATES THAT THE CONSUMER REPORTING AGENCY DOES NOT HAVE PERMISSABLE PURPOSE TO REPORT THIS INFORMATION BY ME. TO REMEDY THE EFFECTS OF IDENTY THEFT THAT HAPPENED TO ME I DEMAND THAT YOU BLOCK THIS INFORMATION FROM MY FILE, I ALSO DEMAND THAT YOU ASK THE BUSINESS TO PREVENT XXXX XXXX FROM REPORTING THIS INFORMATION BECAUSE I WAS A VICTUM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

Experian : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: LEXISNEXIS
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 status incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX could not obtain my credit score from equifax and alerted us to contact them on XX/XX/XXXX. I called equifax spent about 2 hours with them on the phone and submitted documents by mail because they would not accept them any other way. 
Reached back out to equifax on XXXX and spoke to XXXX. Could not get any information about whether or not my letter had reached them and could not get them to release any of my information to me. 
Called again on XXXX and had the same experience as on XXXX. Spent approximately 2 hours on the phone with XXXX. I provided her with my information over the phone but she still would not release my credit score or give me any information to help them other than to resend the documents. Was told my original letter had still not arrived and I decided to mail another copy. 
Called again on XX/XX/XXXX. At this point we were in danger of losing our refinance with XXXX because equifax would still not release my information. Spoke to XXXX and XXXX and was told that they still had not received my letter. Was on the phone for at least 2 hours. Was told that they had not received either letter I had sent and would not accept my info any other way. 
Called again on XX/XX/XXXX and spoke with XXXX, XXXX, XXXX  XXXX. Was told that I could expect a copy of my credit report but they would not release info to me over the phone and would not set up an account for me online to view. Neither copy has arrived according to them. XXXX cancelled our refinance opportunity. 

Could someone please help me. I feel like I have run out of options in communicating directly with equifax and need a 3rd party to mediate. As it has now been 30+ days since my initial contact with them I feel like this is justified. 

This is the address I was provided to send my documents : Equifax Info Services LLC Attention Equifax dispute dept XXXX XXXX XXXX XXXX, GA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: CA
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 have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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