BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: UBS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After considering the benefits of the UBS Bank XXXX XXXX card, I decided to call the main customer service number and inquire about the process of application, benefits and welcome offer. The male agent explained me all the benefits, took my information to send me an application packet, and explained me there was a welcome offer of XXXX points after spending {$3000.00} in the first three months. I figured it was an all around attractive package so I signed up for it. After meeting the required spending, UBS only award me XXXX points instead of the promised XXXX which can be found in the recording of the call. I called customer service about it on 2 different numbers, but nobody knows anything about it. I also emailed Mr XXXX XXXX directly and he never replied to me. The second problem I have is that I have not been able to use 2 of the advertised benefits of this card, the Visa XXXX Hotels program and the XXXX XXXX passes. I keep hearing there's a problem where Visa XXXX doesn't recognize my card, but it's been 2 weeks and I'm frustrated with this bank. Anybody reading this, please stay clear of UBS. They clearly run a bait and switch operation. I don't even know how they're able to legally operate in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan no : XXXX with Mr Cooper aka Nationstar mortgage. 
An error was made in my XX/XX/XXXX and XX/XX/XXXX payments. Payments should be {$930.00} but in error {$960.00} was charged due to their calculating my ARM index margin incorrectly. The loan is tied to the 6 month CD index. This in spite of the 6 monthly ARM notice clearly indicating {$930.00} being the correct payment. Although I have made repeated requests they seem unable to fix the problem. The solution is simple reverse the incorrect monthly payments and replace with the correct principal and interest and apply the overpayments to principal. 
The errors although small in $ terms pose questions about their internal controls. Why are they able to make payment changes in contravention of the 6 monthly ARM notice and why are they not able to make a correction within the timeliness requirements as required under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: NY
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 inquiries that are reporting on my credit report are inaccurate inquiries that were not put on my report by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Chase bank is holding loan in suspense {$17000.00} since XX/XX/. This is wrongful interference of a third party loan. The loan is Incurring interest and I would like returned to XXXX treasury immediately on my behalf so that funds can be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, 2018-Called and spoke to customer service regarding PMI cancellation. I asked why PMI had not yet been cancelled. From what I understood, I had met the requirements. Young man was unsure why it had not been cancelled but agreed I had met the loan-to-value requirement. Offered to put in a request to cancel. I was instructed to call back after XX/XX/XXXX to ensure cancellation. 
XXXX XXXX-Since it was a Sunday, I submitted a request online to the Escrow Department for confirmation that my PMI had been cancelled. Other than an auto-response confirming receipt, I received no response. 
XXXX XXXX-I spoke on the phone with a customer service representative in the Escrow Department. I informed him that I had received a written notice that my mortgage insurance had been cancelled, but my account still showed disbursements occurring. He informed me that the PMI department did not take calls directly, but he would put in a request for them to reach out to me. I was informed that the projected completion date for my inquiry would be XX/XX/XXXX. I have not heard from the company since. I've been told that the PMI department does not speak to anyone directly when I've called customer service and no one can answer my question about why my PMI continued to be dispersed from my loan payments after it should have been cancelled. Each call to customer service requires a lengthy wait on hold just to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: JPMORGAN CHASE & CO.
State: AR
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:
XX/XX/2019 I applied for the XXXX  credit card in the Chase Credit Card website and be approved one month ago. I have yet received my credit card. I call the customer service of the Chase Credit Card company and they transfer my call to many many departments. The call lasted for almost one hour. But, none of them can answer why I can not get my card and how I can get my card. This severely influence my life because I was waiting for the card for emergent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted XXXX and XXXX 2018 payments via the webpage where it states when the next month of the payment is due. 

They have taken my XXXX payment and applied it to principal instead of XXXX   2018 mort. payment That is not what I wanted or what was indicated on the webpage. They are demaning another payment for XXXX which I can not pay. 

The company refuses to acknowledge this misappropriation. 
Todays date is XXXX XX/XX/2018 Mr cooper mortgage company XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, we had hurricane Irma and due to that, I was out of work for a while. I called NationStar Mortgage which goes by Mr. Cooper now and explained that to them. They told me that I did not have to make any payments till XX/XX/XXXX and that those payments were going to be added to the back of my loan. I called them on XX/XX/XXXX, and the operator that I spoke with told me that I didn't have to make my payment till XX/XX/XXXX. When I tried to make a payment in XX/XX/XXXX, it showed that I had to pay {$3000.00}. I called and spoke with them and they told me that when I called in XXXX, they did not have a plan on how they were going to help the customers affected with the hurricane. I told them that they told me something different when I called on XXXX. I spoke with a supervisor who taught that all I have to do is send a letter from my job and after that the payments were going to be added to the back of my loan. I sent the letter and called them a couple of times and they never return my call. Two days ago, I got an email saying that nothing was approved and that I have to pay {$3600.00} all together and that they do not take partial payment. They are very deceitful and they should not be telling customer lies. If they would it told me that back in XXXX, I would borrow the money from someone and pay my mortgage. I do not have {$3600.00}, I work and go to school which I pay in cash. They need to honor their word and add those payments to the back of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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: Account status incorrect

Complaint:
XXXX/XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX/XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX  was in good standing and maintained a XXXX balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX  's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX  unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score.

This account is specifically reported on my XXXX  and Experian reports.

Experian shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.

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 2017-09-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX military veteran, I have been making my regular payment as scheduled, but lately I noticed my balance keeps going up, not down. Sometimessage double to near triple the previous month. 
At this rate, I will never be able to pay it off. 
I call Navient, the agent clearly lied and told me, no increases was made. I checked twice, this mo th alone and it went up twice. On there website. My balance increas ed by about {$1500.00}. In the last 45 days. 
This is clearly wrong, and illegal. I will contact a lawyer, if necessary. 
I notice others are now complaining of the same thing happening to them, All veteran 's. 
This is disgraceful and unbelievable that any government agency would do this. 
I will fallow through with legal action, if necessary. 
I am a taxpayer, law biding citizen, I will not be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The XXXX XXXX, XXXX and Mr. Cooper are violating The Virginia foreclosure laws by foreclosing on my house on XX/XX/XXXX. According to Virginia foreclosure laws a sale can not be held less than 8 days following the first advertisement or more than thirty days following the last advertisement. Also, the advertisement must be published in the local newspaper. My Deed of Trust specified to make advertisement a week for two weeks. In their last foreclosure sale scheduled onXX/XX/XXXX the Trustees only made one advertisement and that was on XX/XX/XXXX. That advertisement was supposed to run through XX/XX/XXXX. That is not what Virginia Foreclosure Laws said. It said once a week for two weeks. So there was no second advertisement made in XX/XX/XXXX. So, trustees is taking the only one and first advertisement made in XX/XX/XXXX as its second advertisement and that violates the Virginia Foreclosure Laws. The Laws did not say sale can not held more than thirty days following the First advertisement. It say more than thirty days following the second advertisement. So, technically the Trustees is violating the foreclosure laws in its quest to foreclose on house that came in quick succession following theXX/XX/XXXX foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: WLCC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Ocean Park funding was emailed about my debt consolodation with XXXX XXXX and they said they would stop the automatic draft. I didnot trust them so I had my bank to put a stop payment on the bank account. However the last XXXX paydays XXXX XXXX has continued to try to take money out of my account. My Bank informed me they have been able to block it but said if the company tried to change the name they could succeed and I would have to come in to the bank for further solutions to the problems. They have tried to take a total of XXXX dollars out of my account. 

I would like them to stop and work with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, 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:
All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is two months behind so to avoid going into foreclosure I sent out a XXXX dollar payment on XX/XX/XXXX to try to catch up. The mortgage payment was sent back to me on XX/XX/XXXX with an attached letter stating that my loan has been accelerated. I spoke with a Loss Mitigation representative on XX/XX/XXXX to discuss further options. While on the phone with the representative, I was informed of having to make two payments to prevent foreclosure. I informed the rep. that the XXXX was sent back and making two payments at this time would be difficult. Wanting to prevent foreclosure I asked the representative to note my account that I will call in to make two payments on XX/XX/XXXX. The rep states that I would need three payments if it went pass XXXX. I called in on XX/XX/XXXX at XXXX XXXX and waited on hold until XXXX XXXX  only to be told that the system is down and my payment can not be processed. At this point, I am unsure as to what to do. The rep told me to do a XXXX XXXX  but the system she transferred me to kept saying my account number does not exist. I am being forced into foreclosure at this point. I call again to see if the system is working and have been on hold for another hour. My loan is serviced through a subsidiary servicing company through XXXX XXXX. some of their tactics are unfair and forceful to get people to pay two payments. Although I am having a hardship it is unfair for this servicing company to force me into foreclosure. I truly believe that this company is purposefully not accepting payments to foreclose on the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a dental bill on my credit report and my children and myself have never been there. It was my husband 's daughter, my step daughter. I never signed agreeing I would be responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, 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 status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal without notice nor explanation closed my account, first claiming I violated their terms of use, and then later telling me that I was a high risk of fraud. The cryptic responses continued to talk about refunding buyers but thats not how I used this account. I sold nothing for which a refund would be due. 
As Ive been an identity theft victim, including through their platform, I should be able to know basic information when such immediate and drastic action is taken. If they know something I dont, then speak up. 
Their customer service is universally bemoaned as abysmal, and for good reason. Im shocked this companys practices arent illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: SC
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 sent a Certified Dispute Letter to Equifax ( XXXX # XXXX ) and it was received on XX/XX/2021. 41 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation