BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was transferred and I was not informed. When transferred additional fees were accumulated that I dont understand that were not properly explained. I am behind in my mortgage but when I try to pay by phone and online me apparently the system will not let me pay unless I pay the full amount. As a result I go further behind. This system and not allow me to pay past due only.I believe that I could catch up on my mortgage if the if the company would except payments other than the full payment which I cant pay. I cant pay two whole months at one time but the system in the mortgage company will not allow me to pay a month and a half so that I could catch up. Can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
hello, i received a offer from chase bank for chase ink credit card which offers me 12 month of 0 % interest for any balance transfer, i did apply for it and i did get approved in couple of seconds for XXXX dollars line of credit and i received an e-mail that i have been approved, after couple of days i received my credit card with welcome package from chase, but when i called to activate my card, they told me the account has been closed.i did not even activate my account yet and account has been closed, why? i know they could close the account when ever they want. but as a consumer shouldn't i be able to know WHY???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: IN
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 had a situation where there was a 90day late payment on my account which was incorrect but was fixed by the creditor and all credit bureaus except for Equifax which still shows there are two 90 day late missed payments which is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2019 Called Credit Acceptance to request monthly statements that would show a breakdown of what portion of my monthly payments go to principal and what portion goes to interest. Was told that because my loan was a " Compound Loan '' they could not provide me with a monthly statement showing these break-downs.

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 2017-09-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification with 3 trial plan payments that began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Then in XX/XX/XXXX the bank cancelled my modification because I did not sent back the Acceptance Letter. I informed them that I did not receive it that they had sent it to the wrong address, one number less. Then I called again and was told that they confirmed that they put the wrong address and would request a reversal on the denial. Again, I called on XX/XX/XXXX and was informed that they would not reverse it and now I have a sale date for XX/XX/XXXX. Please help me avoid foreclosure and keep my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 {$1800.00} was taken out of my Chase Bank account via in person withdrawal. XX/XX/2022 XXXX {$500.00} was taken out of my account via ATM withdrawal. Chase Bank text me a fraud alert at XXXX on XX/XX/2022 if I was trying to withdrawal {$1000.00}, I text no and they stopped the withdrawal. Then an hour later a fraud ATM withdrawal took out {$500.00}. I never setup up cardless ATM withdrawals and my debit card was with me. 

Chase returned the {$500.00} on XX/XX/2022 then took the {$500.00} back out of my account on XX/XX/2022 because they stated it wasn't fraud. But it was fraud. 

Also Chase bank returned my {$1800.00} back that was taken in person withdrawal. But its confusing that someone took my money out in person without my information. 

I also made a police report today around XXXX XX/XX/2022 via online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian and XXXX are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

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: Eastern Account Systems of Connecticut, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a hospital bill that I was unaware of because they called a phone number that was outdated and did not send notices to my updated mailing address. As soon as I found out about the debt I processed payment to have the account settled. I requested for deletion of the account because I was unaware of the account, but those requests are being denied for a policy that they refuse to provide me in writing. The first request for deletion was in XXXX of XXXX, then again in XXXX of XXXX, following XXXX of XXXX. I have yet to receive any formal policy in writing why this medical account can not be deleted from my credit profile. The response I receive verbally is because of the age of the account and the date in which I made payment. They did confirm with me that all notices and collection attempts were made to outdated contact information. I verbally informed the company that I will be filing a complaint and that I feel that the continued reporting of this account is in violation of HIPPA laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Please provide the most recent version of the promissory note, and life of the loan accounting for XXXX # XXXX XXXX # XXXX and the application for credit. 

Thank you, XXXX XXXX XXXX XXXX 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 2020-08-28
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am receiving calls of threatening nature and being harassed repeatedly and continously by 'Allied ' saying my safety is being at risked.. i have no idea who or why and the phone calls come at all times of day and night.. i am a XXXX senior citizen. 
the calls come from out of country call centers...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in the mortgage forbearance program per the Cares Act affirming financial hardship due to COVID-19. The initial 180 days has come to and end and I requested an additional 180 day extension as outlined in the Cares Act. I sent this request via certified mail with return receipt. I received notification back that I am being denied the extension by my loan servicer ( Flagstar Bank ) who is requesting additional financial information in order to modify my existing loan. They also have begun charging me late fees. I would simply like to be granted the additional 180 days or mortgage forbearance relief as outlined in the Cares Act which states that no further additional documentation is required.

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 2018-06-29
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I signed up for a Citibank credit card a few months ago. 

I received a shady looking envelope from Citi a few months after I opened the card, asking for personal information, such as name, age, address, and a physical copy of my Social Security card, to be sent to the bank through the mail. I called Citi, and they said they needed this information to process my application, even though I had the card already and had been using it for several weeks. 

Even though it seemed suspicious I did as they asked. 

A few weeks later, I received the same envelope, asking for the same information, and I discovered my card had been locked. I was told that they needed the information, even though I had already sent it, and was offered no other way to resolve it. 

I eventually hung up, and called a local citi branch, where I was informed this is not standard practice. They transferred me to a fraud rep, who said that all that was needed was a simple text to my phone to verify who I was, and that they never should have asked for my Social Security card to be mailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
IN XXXX OF XXXX I NOTICED FRAUDULENT CHARGES ON MY BOA CREDIT CARD. AFTER DOING SOME RESEARCH I FOUND MULTIPLE DATES AND MULTIPLE CHARGES DATING BACK TO XX/XX/XXXX. I HAVE NOTIFIED BOA 4 TIMES TO REPORT THE FRAUD AND EACH TIME THEY HAVE DENIED THE CLAIM BECAUSE THEY SAY THERE IS A PURCHASE HISTORY. I HAVE TRIED TO EXPLAIN THAT BECAUSE THE FRAUD WAS NOT CAUGHT FOR SEVERAL MONTHS THAT IT ONLY APPEARS THAT THERE IS A PURCHASE HISTORY. I HAVE NEVER ORDERED FROM XXXX XXXX XXXX, I HAVE NO INVOICES AND NO DELIVERY CONFIRMATIONS. 
I CAN NOT GET THROUGH TO THIS COMPANY ON LINE OR VIA PHONE. BOA I AM ASSUMING HAS NEVER SPOKEN THEM EITHER. BECAUSE ALL I'VE EVER ASKED IS FOR BOA TO PRODUCE AN INVOICE OR A DELIVERY CONFIRMATION. AS A SIDE NOTE WHEN BOA DOES A WEB SEARCH THEY CONFUSE THERAPY SUPPLY HOUSE ( NOT THE FRAUD COMPANY ) WITH XXXX XXXX XXXX  ( FRAUD )

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, XXXX and Trans Union previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

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 2018-08-02
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company. 

Additionally, I have filed a complaint with your firm in this regard case number XXXX. According to you that have not responded to you either, however they have since sent me two more collection notices. 

Unknown Account Numbers XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay bills the day I receive them, and I always pay my credit card bills in full. And because I am uncomfortable with electronic means, I insist on receiving a MAILED paper monthly statement. 

So when I am charged {$25.00} for a late fee, it either means that the letter carrier somehow " lost '' the statement, or the bank did n't send me one.
In the past few years I have been charged over and over for paying late. I suspect that the credit card company ( in this case Bank of America ), declines to mail a paper statement every few months to customers who pay in full their balances.
I have paid " late fees '' over and over in the past few years, and I am tired of it. One or two of those I may have misplaced and was thus legitimately charged, but the majority of them I did not receive.

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 monetary relief
Consumer complaint received 2018-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted portfolio recovery associates llc placed the call at XXXX, was transferred multiple times and talked to XXXX XXXXXXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a Monet gran transaction to my fiance on XXXX XX/XX/2019 to XXXX, XXXX. I got a message the transaction was successful and complete. However shortly after that I got another notice from MoneyGram stating the transaction was cancelled and a refund would be issued to the card used. I called MoneyGram and ask what was the reason and wasnt given a valid reason and I would have to wait XXXX business days to recive the refund. I feel like that is unfair and I need the money refunded immediately since it was cancelled so I can use another method to send it. XXXX XXXX # is XXXX dated XX/XX/XXXX. I request an immediate refund to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Credit Protection Association, L.P.
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: Old information reappears or never goes away

Complaint:
Credit Protection is reporting a collection account to XXXX and XXXX in the amount of {$170.00} this account is nor mine. I have been disputing this account for a long time XXXX   delete the account from my credit report. I need them to remove/delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the 5th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX XXXX  via ACH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, 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:
TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation