BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Update XXXX : they sent me a check but then put a stop on it so it bounced when I cashed it! 

Reopening previous complaint, as XXXX is defrauding me and has stolen my money. 

Previous complaint : XXXX I contacted Key Bank on XXXX, 2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have update my address with Experien, XXXX, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, Experian and XXXX  will not report my current Address. I also have disputed negative unverified accounts with Experian, XXXX  and XXXX  and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.

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 2019-11-04
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Have a Reverse Mortgage with Reverse Mortgage Funding since XXXX. Beem inmy home since XXXX and this year is the first time we were not able to pay the property taxes we made arrange with the XXXX Collection for the {$XX/XX/XXXX}, XXXX but the Reverse Mortgage Company went ahead and paid it and is giving us 30 days to pay the {$XX/XX/XXXX} or they are going to foreclose on our home I let the Reverse Mortgage Company and Tax Collection know our situation my husband has XXXX this is his second time and we were having financial problems due to the XXXX treatments. 

He was in the hospital on the XXXX of XXXX due to an XX/XX/XXXX XXXX and his XXXX shutting down and he is back in the hospital as of XX/XX/XXXX with low XX/XX/XXXX XXXX rate and XXXX. It is not like we are not trying to pay we were going to pay so much each month. We have lots of equity in our home but they keep changing the rules now they say I have to wait until I am XXXX. 

I feel like this company is being unfair and to the it is all about the money they do not care about people just want them to work with us nit sell our home and put us out on the streets we are both XXXX XXXX and XXXX XXXX XXXX where will we go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I filed a application for mortgage modification XXXX  2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security.
I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month.
I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX  and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2019-06-13
Company: DISCOVER BANK
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Discover closed my savings and two credit card accounts without any reason. At that time, I still have over {$80000.00} balance in that savings account. I have to call discover to ask them what happened and they told me that my online accounts were just deleted and they can not recover them at all. 

I have to register a new online account to access my savings account and the customer service of Discover did not know why this account was closed! I have been holding the credit card accounts for more than 5 years and the savings account for 4 years and have never violated any of Discover 's rules.

I know they used to close customer 's credit card accounts for no reason. But what I can not accept is that they even closed my savings account without any reason and notice, especially when I still have {$80000.00} in that savings account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for a mortgage by Wells Fargo branch in XXXX, TX, in XX/XX/2019. During the pre-approval process, I submitted all required documents. In XXXX, I signed a contract to purchase a house. After signing the contract, I applied for the mortgage. However, Wells Fargo did not approve or reject my application until the closing date was over and I lost the contract. Since my job, income, residency status, etc were as same as when I was pre-approved, I assume Wells Fargo misleading information about their capability to give me the mortgage caused a very stressful time in my life. 

During one month before closing date, they were saying that they were processing my application. However, as we were approaching the closing date, There was lack of communication between Wells Fargo and myself and my realtor. By wasting time, I lost the chance of applying to other lenders, and it caused me financial loss. 

I still do not know what my application status is. My application page says that I should contact XXXX XXXX XXXX, the mortgage consultant who pre-approved me for the mortgage. However, each time I contact him, He says he does not have an answer. I am also not aware that why Wells Fargo were very slow in processing my application. 

I paid the upfront fee for appraisal once I applied for the mortgage. Wells Fargo still have the money after one month and a half after my application, and they have not returned my money back to my account.

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 2019-11-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian, you're practice is unacceptable. {$91.00} out of a {$1000.00} cc balance was paid in full XX/XX/XXXX. My fico was a XXXX now it's a XXXX, it should have gone up but you've avoided doing that knowing if you wait and update later in the month the score will only go back up a few points which in turn will benefit the unlawful deals you have with corporations ( selling peoples private information ) forcing people to try and get more credit to better their score, in which it will only drag their score down more ( vicious cycle ). XXXX  and XXXX updates monthly. My score should have gone up. Previously, 2 years back ( XXXX ) my score was all over the place with experian ONLY and no explanation on my report or from experian and when I called to find out experian said they couldn't tell me why my score was dropping every other month ( for 6 months straight ) and that it would say on my credit report but I had been checking prior to calling experian ( for 6 months ) and no reason was given, no inquiries, no attempts at use of credit. I was living in XXXX XXXX and wasn't touching my credit. I informed the individual I had been watching for 6 months, no reasons were on my report and she said she couldn't tell me and I would have to check my report ( $ $ $ for them right ) I repeated myself and so did she. Experian is criminal and this is unacceptable. As experian has been proven to sell peoples information illegally and with out consent, they need to be stopped.

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 2019-11-04
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: Account information incorrect

Complaint:
I have update my address with XXXX, Equifax, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the XXXX credit bureaus, Equifax, XXXX and XXXX will not report my current Address. I also have disputed negative unverified accounts with XXXX, Equifax and XXXX and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm filing a complaint against Chase @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX and XXXX XXXX XXXX, XXXX. @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, for wrongfully and illegally foreclosing and selling of my property @ XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XXXX, XXXX. Both were given a copy via certified mail, of a Land Patent that has been brought in my name, and therefore they do n't have the legal authority to sell my property. A Land Patent is the  only form of proof of absolute title to land/property in the United States of America. Since neither has title to my property, how can they foreclose or sell the property? Also, in the case of foreclosure by a bank, the law is on the books today which says that any debts, which lie against the land, that existed prior to the land patent being issued, are removed from the land. There still may be a debt owed, but my house/property is off limits, lawfully. 

On XXXX XXXX, XXXX, I requested from chase the original wet ink signature copies of the Promissory Note and Mortgage/Deed of Trust in order to prove that Chase has the legal authority to foreclose on said property. I 'm challenging the debt that Chase claims I owe. I have demanded proof of standing to collect or foreclose and of the debt owed to Chase. To this date, I have not received any requested documentation of proof from Chase and therefore demand that Chase and their attorney immediately stop the sell of my property on XXXX XXXX of XXXX. 

I also challenge that I may not have received an actual loan, since the bank 's account was never debited, and my account was never credited, makes the loaning of credit only unlawful. All monies and interest that repay the mortgage are pure profit to the bank. Plus with the fact that the Promissory Note that I signed was sold without my permission, my mortgage debt to them is actually paid in full with that note. Therefore, non-disclosure by the banks, created by the bank of these important facts can be legal grounds to have my mortgage taken off the books and forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided.
XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month.
Delay is causing hardship on buyer.

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 2017-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax/XXXX Credit Reporting Agencies Credit Report DatedXX/XX/XXXXUpon receipt of credit report datedXX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have called Equifax and XXXX on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use Equifax Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX through XXXX using a VA loan. The mortgage servicer was XXXX and I had automatic payments set up in the eight years since. Apparently XXXX XXXX XXXX handed off their servicing of this loan to Loancare, a Service Link Company during XX/XX/XXXX of this year, and I never got any notice of the change. I do n't follow that checking account frequently as I moved out of this house in XX/XX/XXXX and have had it rented through a property manager since. During the handoff XXXX did not send my current mailing address, email nor phone number to Loancare. Over three months went by without a payment nor any contact from either XXXX or Loancare. I only found out about the error when I called XXXX to refinance this property and they notified me that I had delinquent payments. I reached out to XXXX who redirected me to Loancare. I found out that Loancare had been sending bills to my rental house, as that was the only point of contact they had for me. XXXX had and has my current residence, email and a phone number but failed to pass any of this on to Loancare. Both XXXX and Loancare failed in their due diligence during the change of mortgage servicer. Because payments were over three months late, my FICO score has been severely effected due to an error on behalf of two companies that made zero effort to contact me.

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 2019-11-04
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The location of the bank - OneWest Bank XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/19 XXXX a.m, I was trying to using the OneWest Bank ATM to withdraw cash from my one of international debit card. 

After I selected the amount and typed the pin, there was no cash coming out. My card has been retained for no reason. 

On XX/XX/19 XXXX XXXX, I went to the branch of OneWest Bank and asked them to get my debit card back. I told them my bank told me my card & account is fine but if I need to get a new card, I have to go to their branch in person. Which means I have to fly to XXXX to get a new debit card. 

I don't understand why OneWest Bank retained my card and did not give it back to me. They just told me, " SORRY, WE CAN NOT GIVE IT BACK IF IT IS NOT ONEWEST BANK CARD ''. 

I withdraw cash from this international debit card so many times on these ATMs of XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Even though I typed the wrong PIN or the fund was insufficient, they never kept or retained my card. 

As new XXXX, one of the most important ways to pay my bill or rent is getting cash from my previous international debit card. In the US, I believe everything should follow the law and the rule but OneWest Bank ignores all these laws and policies, they're trying to take the right of using my international debit card away. They want to force consumers to open their checking account and transfer all funds to their account. Otherwise, they will retain all the cards from different banks. That is totally unfair competition. 

Whoever it is, they must comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
There is something fishy going on a Navient. I have tried to payoff my student loans twice this year. And both times they come back to me and say I owe more fees and interest. My last attempt was this month. After sending in the stated amount they said I owed to pay this off - they now say I own another XXXX on the last assessment of XXXX following is the email I just sent them. 

" I've tried twice, both unsuccessfully, to pay off my student loans this year. The problem is an odd one. I pay what you say on the web site is due to pay them off - and then you bill me another balance due. Just this month was the second time this has happened. Earlier this year I sold a property and attempted to pay off the loans and was billed XXXX above what your web site said was due. When I called and said I had requested a payoff before I sent in the payment, your customer service agent was not familure with that term. This month I tried to payoff that XXXX and I am billed another XXXX on the last XXXX I was billed. So my question is how will I ever be rid Of you if we continue down this path so I am sending this email to the CPFB as well so maybe someone can address my concern. I want off your rollercoaster so I can tie this up before I retire. '' So CPFB something is fishy here. 
XXXX XXXX

Company response to consumer: Closed with explanation