BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We make many online payments through XXXX XXXX, XXXX online bill pay web site. 
XX/XX/2021 : Made online pay bill of {$15000.00}, to be delivered by XX/XX/2021, XXXX # XXXX ( bill was high due to medical/dental fees ( {$10000.00} ) and propane gas for the winter, {$3300.00} ) XX/XX/2021 : Received an email XX/XX/XXXX notifying us a check was mailed on XX/XX/2021, did not think it would get there in time to avoid a late payment charge. Quickly checked to see if an XXXX pay bill would be delivered by next day. Paid {$500.00} more XX/XX/2021, XXXX # XXXX XX/XX/2021, Checked XXXX web site, {$500.00} received. Phew no late charge. 
XXXX : Spoke to the following at XXXX Bank XXXX XXXX ). Had not received the check as of XX/XX/XXXX. 
XXXX # XXXX, XXXX ( supervisor ), XXXX XXXX ( Department Manager ), XXXX ( Operations Manager ), XXXX not get her position, nor get last names for most of the conversations. Asked if there is consideration for a customer who has always paid on time and in full. ( Always! ) No consideration. Result : they would not back date the check which came in late XX/XX/XXXX, payment was due XX/XX/XXXX. They said that it is XXXX Banks fault. Therefore, the finance/interest charge was {$200.00}. 
XXXX XXXX Called XXXX Bank XXXX XXXX with XXXX, who said she was the XXXX, said XXXX XXXX Bank XXXX XXXX the check which was dated XX/XX/2021. See above with the results of those calls. 
XXXX XXXX called and visited XX/XX/XXXX Bank XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
Left messages and was told there is a new manager. 
XX/XX/2021 : Met with XXXX XXXX. He would call XXXX and other XX/XX/XXXX Managers? Will let us know. Never called back. 
XX/XX/2021 : Called bank, XXXX was with a customer, will get backnever did. 
XX/XX/2021 : Visited branch, met with XXXX XXXX, he had no help for us. Informed him that we will be contacting the XXXX of Massachusetts XXXX of Banks. 
Received A letter from XXXX Bank XXXX XXXX that they sent a " good faith letter '' to XXXX XXXX Bank. 
No results as of XX/XX/2021 Since XXXX Bank, NA is not located in Massachusetts, XXXX XXXX XXXX XXXX said to submit complaint through CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage, which was initially through XXXX XXXX  XXXX, has been in an approved Covid forbearance for several months, and we had agreed to a partial claim on the property allowing us to tack the past amount owed onto the end of the loan, in plans of resuming our regular monthly payments starting in XX/XX/2021. This was all documented and approved by XXXX XXXX. However, beginning on XX/XX/2021, the loan was transferred to BSI financial services without our knowledge. When I attempted to call XXXX XXXX  to make my payment, I was informed that our balance was XXXX and I would need to contact BSI. In doing so, BSI informed me that they were unable to take a payment from me at that time and that I would need to wait until all documentation was received by them before we could move forward with payments. They also requested a self authorization letter from us to allow them to speak to me regarding the account, which was sent to them via email. Since then, we have been informed that they have no knowledge of the forbearance or partial claim which was approved by XXXX XXXX  XXXX. We have also received a certified letter stating that we are in default to BSI for the amount of almost {$17000.00}. I have a maid multiple phone calls per week over the course of this month to both companies trying to correct this error. XXXX XXXX  has assured me all of the documentation has been sent and everything was approved prior to the transfer. BSI insists they do not have any documentation entailing these arrangements. We are now in danger of foreclosure on our property if we do not correct this matter. I have left several messages with my point of contact at BSI, with no return phone call. XXXX XXXX loss mitigation department has even attempted to contact them on my behalf multiple times. I am at a loss of how to correct this matter and avoid foreclosure activity on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
PLEASE NOTE : I am a consumer making this statement on my behalf and I am not using any third-party agencies to assist with this matter. I am asserting my rights in accordance to 16 C.F.R. 433.1-2.

I, the consumer is in receipt of documentary evidence that on multiple occurrences the company in question has violated my right to privacy and has stolen my personal and private valued consumer data. 

In accordance to 16 C.F.R. 603.2 ( a-b ( 1 ) ) Identity Thief is ( a ) The term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
( b ) The term identifying information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any ( 1 ) Name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; PLEASE SEE ATTACHED EXHIBITS A : 1/5 & B The unauthorized use of my personal and private valued consumer data has been used by the company, through the use of the postal service to communicate unsolicited credit card offers violating 15 U.S. Code 78j Manipulative and Deceptive Devices, 15 U. S. Code 1692e False and Misleading Representations, 18 U.S. Code 1341 Frauds and swindles, 18 U. S. Code 1028 Fraud and Related Activity in Connection with Identification Documents. 
PLEASE SEE ATTACHED EXHIBIT A : 2-3/5 The company in question has sent unsolicited deceptive instruments that lack full disclosure and are in violation of 42 CFR 1001.1101 and fails to disclose the calculation of the finance charges and/or annual percentage rates in accordance to 15 U.S. Code 1605 PLEASE SEE ATTACHED EXHIBT A : 4-5/5 I, the consumer did not authorize or consent to my personal and private valued consumer data to be used by the company in question for solicitation or advertisement purposes. I have not given the company in question any written or verbal consents to be contacted. The company in question is in violation of 18 U.S. Code 1028A Aggravated identity theft and 15 U. S. Code 1611 ( 1 ) - Criminal liability for willful and knowing violation by furnishing multiple unsolicited documents. 
PLEASE SEE ATTACHED EXHIBTS A & B NOTICE : PLEASE CONSTITUE THIS COMPLAINT AS A NOTICE OF INTENT TO SUE WITHOUT RECOURSE U.C.C. 1-308/1-207

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Santander Consumer USA Holdings 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:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Incorrect information reported in 2023. No information was deleted.

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 2023-05-11
Company: MOHELA
State: MD
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:
On XX/XX/2023, MOHELA fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, MOHELA has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was a victim of credit card fraud. Somebody used my America Express credit card. I did report it to them. They did investigate it and clarified everything but they cancelled my credit card. They never sent another one. It felt like it was my fault. I am still paying it but they denied me a replacement. I spoke with them but they said not to me. American Express never sent another card. That is discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving a call regarding a Pest debt of {$130.00} ( approx ). I do not have a debt with this Pest Company. I have repeatedly informed the Debt collection company XXXX  and also confirmed with this Pest Company. I have also contacted all credit bureaus to ensure I do not have any negative impact on my credit. I DO NOT HAVE THIS DEBT. I am unsure how to make them stop. But they are harassing me. 
Last call was XXXX at XXXX. I informed them thank you for calling but there is a misunderstanding and I do not have a debt. They got rude and hung up the phone. 
I contacted the pest company explaining. Response : " You do not have a debt, we are sorry let me try to have a manager call and get this removed '' NOTHING gets removed. Nothing happens.

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 2019-11-12
Company: Trust Financial LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were wrongfully turned over to collections from a hospital. We had paid monthly on the debt and had no clue we were in bad standings with them. We then received notice from Rocky Mountain Recovery ( the collections agency ) that we owed them {$3600.00}. 

When I asked when the debt was turned over to them, I was lied to. One lady said we were turned over XX/XX/XXXX, another lady claims we were turned over in XX/XX/XXXX and one in XX/XX/XXXX. Still dont know the right answer because they ended up telling me that once they receive a debt from the hospital they will start calling and trying to collect payment within 30 days of receiving the debt. I didnt hear anything from them until the middle of XX/XX/XXXX, when they sent notice that we owed them money.

We have talked to them many times to try to work something out. ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19,XX/XX/19, XX/XX/19 ). Then on XX/XX/XXXX, I talked to one lady who claims I wasnt responding and no one had talked to me since the XX/XX/XXXX so I started documenting every phone call after that. 

We obtained a loan and offered them a lump sum of {$3400.00} which they refused. So we did research and found out we could pay the hospital directly, since they are the original creditor. We paid the balance of {$3200.00} to the hospital. The hospital sent me a notice that they retrieved the debt from Rocky Mountain recovery and it was paid in full.

Rocky Mountain recovery keeps bugging us for payment and claims we owe them all the interest thats left on the bill. They also will not remove it from our credit report. It shows we owe them the full amount of the debt plus interest. We paid the hospital and I have proof of payment!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Can not verify payment was received & applied. 

Caliber Home Loans closed access to their payment portal from XX/XX/XXXX to XX/XX/XXXX for maintenance. As my payment was due XXXX, I set up an ACH transfer early ; i.e. for XX/XX/XXXX. It is now XXXX & it site is still not working & I have not received any confirmation of payment. I can log into the site, but it requires me to " Link my loan ''. When I enter the required information it just keeps prompting for the info I just entered.

Calling Customer Support involves a labyrinth of automated menus before finally being told to wait for the next representative. After 20 minutes of listing to " Your call is important to us, please stay on the line '' every 15 seconds .... a form of torture, designed to make people hang up, I did.

Caliber is totally neglecting it Consumer Report responsibilities. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an Home Equity line of credit with Fifth Third Bank ( FTB ) .Account number XXXX XXXX I paid {$6300.00} at branch in XXXX.At time of payment teller confirmed that I paid total amount due including interest. On XXXX XXXX FTB withdrew {$580.00} from my checking account after loan had been paid off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
There are many mistakes appear in my report without my understanding.

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 2019-11-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
They added another name to my XXXX XXXX account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency CONSERVE attempted to aggressively collect student loan debt from me. They purchased my federal student loan debt privately. I never received written notice related to the debt at all. I never admitted to the debt. I called CONSERVE and they agreed to stop contacting me and harassing me if I paid the amount in full, and also to delete the account from XXXX, XXXX, and other credit agencies. Instead, they took my money, applied it to settle the debt without my permission, and neglected to delete the account from pertinent credit agencies. I contacted the company and submitted disputes at least 5 times and they repeatedly lie about our arrangement and refuse to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have consistently paid my mortgage on time and in advance on good occasions. When Covid hit, my job went into part time, and I was now on unemployment, but still trying to pay my mortgage. 

In XX/XX/XXXX my statement from the company newrez was balanced. I paid two checks one for the mortgage and one for partial payment to the next month. I continued trying to make my payment in advance. 

In XX/XX/XXXX I was paying XX/XX/XXXX payment or part thereof. I got a statement showing I was owing for XX/XX/XXXX. 

Could not get a resolve from the company. At the end of XX/XX/XXXX I got a letter stating to send the XX/XX/XXXX payment to a new address. My loan had changed hands. My XXXX and XXXX payment had already been paid. 
There after the company began to become hostile. The dollars were adding up on my loan. No one to talk to due to Covid and the long wait on the line. 

I then realized that my monthly payment had changed. It went up. That shocked me. I was not notified of this change. 
I wrote a letter to the company on XX/XX/XXXX when I submitted my mortgage payment. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they please correct the error in my loan and bring it to the correct balance if I owe them, but they are showing I owe over {$10000.00} in mortgage payments which is not correct. THE COMPANY SHELLPOINT HAS ALSO THREATEN ME WITH FORECLOSURE OF MY LOAN. 
I ask them to please provide me the following for reconciliation of my loan : 1 : What month date and year the loan changed hands as my payment could have gone elsewhere.

2 : Why did my loan payment changed or rather increased my loan is a fix rate.

3 : What was the first payment the new company received from me 4 : To provide a list of payments they received.

5 : To rerun my loan amortization table for the last 36 months to determine the error. 
I got a letter from the lenders insurance department. I told them I have had the same insurance company since I bought the house. The policy is always paid yearly. I checked with the insurance broker. They said they have not received a call from my lender or anyone else. My policy has never lapsed. 
The representative of shellpoint asked my insurance company name and number and I gave it to them. 

I need help please in fixing this mess as Shellpoint is not operating ethically. something is not correct, including my monthly payment balance. 
Please help me to resolve this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief