BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: LA
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 filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: GA
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 disputed an account on all three credit reports that XXXX XXXX XXXX used my information to open or someone open an account with XXXX XXXX XXXX, this account was already taking off of all three bureaus and now its on my credit report this account was open in my name and its fraud, please removed this account, the amount is XXXX dollars the name of the collection agency is XXXX, XXXX XXXX XXXX has done this many of times if another account is open in my name I will seek legal action and sue XXXX XXXX XXXX for damages, I am attaching a FTC identity theft report to this complaint to have this removed

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 2019-09-18
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom It may concern I am late 3 payment so far as Im unable to use my account do to that someone hacked my account and some one used my account debit card to make purchases I already reported as fraud and also reported to the authorities. The investigation is still pending and can take up to 90 days or more this has caused me to not used the funds that I have untill the investigation is over with and. Ow Im at a risk of having a foreclosure with my property i called Mr Cooper since the begging of this frauds and they were aware of it. Even tho they knew they still went ahead and started a demand letter with a default date of XXXX XXXX or XXXX to make a payment to avoid from been 3 payments late I told the lady I would do it as soon as I can get funds out to make a payment to void form been 3 payments one more and I loose my home by mr Cooper initiating a foreclosure against me it dad because and frustrated because mr Cooper knew about the situation and did not wanted to wait untill investigation is finished. 
I dont want to loose my home and I want to keep my home. As soon as this problem Is resolve I hope to go back on track and at least avoid from Getting more past due right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the office depot statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in 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
Consumer complaint received 2017-12-04
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I  received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment. 

This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up. 

And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo sent me a notice on XX/XX/2018 requiring additional flood insurance on my home and stated if they placed it the cost would be {$9.00} annually. They then charged me XXXX which is an increase of 700 %. When I called to question the amount I was told they can do anything they want.

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 2019-03-19
Company: Rapid Mortgage Company
State: OH
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:
In XX/XX/XXXX, my husband and I, applied for a mortgage through Rapid Mortgage in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/2019, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been reaching out to Ocwen/PHH mortgage company since XX/XX/XXXX for a lien release on the property located at XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage on this property was settled in XXXX through a loan modification and a cancellation of debt issued by Ocwen through the provision of a 1099, which is attached. I contacted the company and was assured that the mortgage was settled with them and that I didn't owe them any more money. I have had absolutely no communications from Ocwen since XXXX concerning this mortgage since the provision of the 1099. 

I began to attempt to sell this property in XXXX. I found a prospective buyer and entered into a sales contract with a settlement date of XX/XX/XXXX. On XX/XX/XXXX, the title company contacted me to notify me that Ocwen still had a lien on the property, that I needed to provide proof that the lien was satisfied through obtaining and providing a lien release. I proceeded to contact Ocwen that same day, which is now affiliated with PHH Mortgage Company, to obtain a lien release. One of their escalation managers, XXXX XXXX, assured me that he would be getting back to me within 3-5 business days. He never got back to me. I then contacted another escalation manager, whose last name was XXXX. He sent my Ocwen account number to the Lien Release department along with the 1099 showing the cancellation of the debt. I received an email indicating that this information had been provided to the Lien Release Department. My realtor than asked for and received an extension on the settlement date to XX/XX/XXXX to provide more time to receive the lien release and to preserve the sales contract. 

Around XX/XX/XXXX, the title company representative, Ms. XXXX XXXX, and I then began to reach out to the Lien Release department on a daily basis asking when we would receive the lien release, informing them all the while that we needed it as soon as possible to proceed with the sale of the property. Ms. XXXX even informed the Lien Release department that XXXX XXXX, the title company that she worked for, would file the lien release. After another week of sending emails to check on the status of the XXXX release around XX/XX/XXXX, another Ocwen/PHH escalation manager, last name XXXX, told Ms. XXXX that the lien release could not be issued for another 30-45 days without providing any other reason than that it would take that long for the Lien Release Department to process it .

As of this date, I still don't have the lien release on a mortgage account that should have been closed out in XXXX with the cancellation of debt. Ms. XXXX informed me that the mortgage company is legally required to issue the lien release within 45 days of closeout of the mortgage account. I will lose the deal to sell my house because of Ocwen's/PHH 's failure to issue a duly-owed lien release on the property in even a remotely timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX card offered a new card ( XX/XX/2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. 
But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX PS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require

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 2018-03-25
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
PNC Bank re-activated an old line of credit account without a request or permission to do so. The bank changed the old account number, and started to send me " convenience '' checks and monthly statements. This account was opened for {$500000.00} I did not request this line of credit nor do I want an open account in my name. 
I contacted the bank and was advised that I am not the only one who is having this problem, as the bank has been re-activating accounts recently. I was told that I have a zero balance with the bank so I shouldn't worry about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a XXXX year end statement for a month now from SunTrust. I paid off this loan to refinance with another lender in 2020. I went to their website to download or view my XXXX. Since the loan was paid off there were no loans showing on their site. I called into customer service for assistance. They advised that since the loan was paid off I couldn't view by statements or documents. I asked if they could see my XXXX and they advised no since loan is paid off. I asked if mine will be mailed and they advised not getting one since the loan is paid off. This is not true as I paid interest during 2020 when they services the loan. I hung up and called back a few days later. When I called again I was on hold for 45 mins before getting a rep. This rep advised they were mailed out but couldn't prove mine was ever sent. They would not issue a new one and as used to call back after XX/XX/XXXX. I have no proof that one was ever sent to me. I have to call in again to try to obtain something that I should be able to self serve.

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 2019-03-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a new checking account at a Huntington Bank branch, with the promotion saying '' {$200.00} bonus ''. After meeting their promotion bonus requirements, I didnot receive the bonus. 

When arguing in a Huntington Bank branch, they said I should have " direct deposit ''. That's terrible, because they didnot tell me about this in detail when opening the account. SO I just made deposit to the account. ( Sorry, I don't understand what's the difference between " deposits '' and " direct deposits '', you should tell me when opening account. ) And now they also have the promotion ( https : //www.huntington.com/XXXX? XXXX & XXXX & XXXX & XXXX : XXXX : XXXX  & XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX & XXXX & XXXX ) The above link says : ) : " Make total deposits of at least {$1000.00} within 60 days of account opening. '' I don't know why they changed the promotion policy time by time. My friend have got the {$200.00} bonus. Why not me? 

The bank should treat the consumers equally. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my daughter used XXXX to pay me back {$100.00}. I have the confirmation from her bank, XXXX XXXX. Unfortunately, she had a typo in my email address, but I called XXXX before we knew this and they said they did n't have anything and that it would take 3-4 business days anyway. The money was returned to my daughter on XX/XX/XXXX. On that same date at XX/XX/XXXX at XXXX XXXX XXXX, she resent the money. The confirmation code from XXXX XXXX is XXXX. 
I have been waiting since then. I called XXXX on XX/XX/XXXX and spent 90 minutes on the phone - 45  minutes with the person trying to help me get the app up on my phone and then another 60 minutes  on hold with their " advance support. '' The XXXX case number is XXXX. I gave them ample time to transfer the money. As I XXXX them, I find I 'm not the only one having problems. My thought is that this company should n't be responsible for handling currency transfers if they do n't have it together. I want my money. 
Today, XX/XX/XXXX, I called again, waited on hold for 40 minutes. I spoke with a representative and she wasnt able to help and, as usual, the questions, Are you sure you used the right password? Did the sender put in the right email address? Then it was we have to escalate this to the next level because your account has been locked because of the attempts to get into it. When I asked where my money was, they said it wasnt in my account and that, we dont know where it is, but your daughter can cancel and resend. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, I requested XXXX XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of XXXX. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by XXXX to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.

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 2018-04-12
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was told by discover that because they did not receive personnel information even though I showed them I sent them the information on there XXXX there was XXXX balance and now the credit report agency is holding it against me because I was told by discover because I was in the hospital and they did not receive they can not do nothing but hold this against me I think this is unfair when the card had a XXXX balance and I tried to explain it its discriminating an individual

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to National Credit System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: NC
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 mailed credit dispute letters to Equifax, XXXX, and XXXX on XX/XX/2020 and the incorrect items have not been removed. I also have not received any communication back from the credit bureaus.

Company response to consumer: Closed with explanation