BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: TD BANK US HOLDING COMPANY
State: MO
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:
This account has been in collection since XXXX. With XXXX Collections Reference Number XXXX. TD Bank/Target Red Card. On the day of XX/XX/XXXX I contacted XXXX in regard to three accounts that they are in possession of., but in regards to this account. the morning of XX/XX/XXXX at appox. XXXX CST I called three times. the first I was referred to Target supposedly through this number XXXX. I was told there was no way to pay bill online four times, I asked to speak to a supervisor and was denied access. The CSR said she was an account manger not a supervisor. The CSR stated she would disconnect the call if I did not listen. So I did it for her. then Call The Federal Reserve who then placed me in contact with your Agency. I called your Agency at XXXX CST. and CSR REP gave information of how to file complaint I decided to file on line instead of over the phone. XXXX XXXX XXXX # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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:
OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Reverse Mortgage Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Legal Staff of Reverse Mortgage Solutions:

PLEASE STOP FORECLOSING ON MY HOME
WE HAVE A SIGNED REPAYMENT AGREEMENT AND 
YOU HAVE BEEN ACCEPTING MY PAYMENTS

Your company sure expedited foreclosure (SEIZURE NOTICE DATEXX/XX/2019 #XXXX) on my home of 20 years, simply because my signature was not notarized.  According to RMS, this is a HUD requirement, which you did notify me, was now required on every document because my signing hand is XXXX.

I am a XXXX year old woman.  RMS's Legal Staff unreasonable and unexplained delay to issue a stop foreclosure letter, given that I am in compliance with all terms of my reverse mortgage, is causing me EXTREME XXXX XXXX which at my age is practically elder abuse.

According to staff of the local law enforcement foreclosure jurisdiction,RMS legal staff has,for some unknown reason, not issued a letter directing them to cease the foreclosure process to sell my home.

Why not?

I am now in full compliance.

Three weeks ago, I have sent, by USPS Certified mail, RMS the NOTARIZED payment agreement for the flood insurance premium with payments due.   RMS
has cashed the check for the payments due for the month of XX/XX/2019 and XX/XX/2019

RMS's  delay in issuing the letter to the Sheriff of XXXX XXXX Foreclosure office is not only unethical and unprofessional, it is cruelly causing me, a XXXX  year old woman, extreme emotional distress. 

Please issue the letter to put a stop on the foreclosure sale of my home.

I realize that RMS, is located in another state, and so this lack of action potentially  involves interstate legal issues that may also need to be addressed if you continue to refuse to do your job; and don't stop trying to sell my house out from under me when I have been in full compliance with your requirements for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Capstone Credit & Collection, LLC.
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: Their investigation did not fix an error on your report

Complaint:
CAPSTONE CREDIT & COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year Chase withdrew money from my escrow account to pay my property taxes. However, they also withdrew money to pay for another property that I do not own or has any connection with me or my account. 

This left me in an escrow shortage and they have adjusted my monthly payment to reflect this as well. I called to explain their mistake, and they took two weeks but finally managed to remove the incorrect parcel from my account. 

However, they are not refunding the erroneous tax payment they made from my escrow account and are instead " waiting '' for the local municipality to refund the money. 

From my perspective, Chase, without my immediate knowledge or permission has misappropriated funds from my escrow account and now I am stuck footing the bill until they get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: The Claims Center LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rented a car from XXXX XXXX XXXX on XX/XX/2021 to XX/XX/2021. I made no damages to the car. Received a call at the end of XXXX claiming to be a company called The Claims Center. Their number is XXXX. They said XXXX was filing a claim against me stating that I damaged the rental car from that rental period and asked for my statement. I stated I didn't make any damages to the car. They said they would call me back in a week after their investigation. I received several other calls from them over the few weeks after that call. I wasn't able to answer at the time, so I tried to call back. They never answered when I called back and there was a ringing tone on the line. I received another call on XX/XX/2021. When I called back, a woman answered and claimed I was found guilty for my charges and needed my insurance information. When I asked what it was about and if they did an investigation, she said they don't handle investigations but the insurance companies do. Due to their inconsistencies in their story, I hung up without giving my insurance information and looked up their number online. I found countless instances of other customers saying it was a scam company that worked with XXXX to scam consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with TD in XXXX. I had a problem with them about 5 years ago when they signed me up for an overdraft program that left me with almost $XXXX in fees. I called the bank to let them know I did not sign up for the program, but it took about 5 calls before they finally fixed this situation and reimbursed me.Since, my account has remained fairly steady. However, I have been in what's called a simple checking account for that time - meaning each month I pay a $XXXX fee regardless of my account funds.I called yesterday to find out if there were other options with the bank, and they immediately told me I should be in a different account where I incur no fees, because I have a record of maintaining over $100 in the account - I've probably maintained this level for 1 to 2 years. No one from TD ever previously contacted me about this, or told me in person even though I've been to the bank numerous times in those years. The bank never altered me that I might be able to save money by changing my account. I estimate I incurred at least $250 in fees because of this over the years. A few times representatives in the bank actually offered me other products: savings accounts and CDs, but never mentioned this checking option.I feel like TD Bank should have notified me that I might qualify for a better product - one where they weren't skimming money off the top. I owe student loans, I have bills - $XXXX/month is actually something to me, and I am XXXX  that this company run by XXXX XXXX gets to skim off my bank account to line their pockets. I feel they acted in incredibly bad faith, knowing I would not have the time, or the knowledge, to check on other products, and they could rely on the easy $XXXX. I wonder how many people in their system this is happening to?? It makes me enraged. Once again, bankers are allowed to hurt the regular person in our country just because they can. When I called, the bank told me all about how committed they are to me and my community. Honestly they could give a XXXX about me or my community. A banker who cared would call me up and say, hey I noticed you might want to change accounts. Every time I go in they can try to ply me with a savings account or some other product, but they never mentioned the checking account without a fee. How can I trust our banks and our financial system when it seems to be run by people who want to hurt me as much as they can?How can I trust this country when these bankers have the ears of our congressional representatives.It's insanity!These guys are hurting almost everyone, just to have more money than XXXX  when they already have more money than XXXX. It is obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2019-08-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Citi American Airlines Advantage Master Card back in XX/XX/XXXX. I tried closing the credit card twice in the past in XX/XX/XXXX and XX/XX/XXXX. They don't have an online link to close account. When talking to rep back in XX/XX/XXXX they wanted to convert it to a no Annual Fee credit card which they never did and kept billing me for Annual Fee and adding Interest charges on it. So far I have paid more than $XXXX in Annual Fees and Interest charges. I would like CFPB to investigate this dubious practice of Citi American Airlines Advantage Master Card. 1) Why don't they have a Card Cancellation button in the online portal? 2) Why do they give you other options over the phone that they don't plan on honoring?

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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My stepmom was a victim of a scam where the scammer accessed her bank information through an app. Her entire phone had to be wiped out because of it. All of her capital one accounts, including one that I am a joint owner of was stolen from. Capital one fraud department was alerted right away with the details and claimed the investigation would take 10 business days and our money would be returned. Our claims were coded in corrected and denied 3x now and they continue to deny them and tell us to wait an additional 10 business days. We have a mortgage to pay and they are holding onto $ XXXX of ours. We have spoken to supervisors who claim it is taken care of and others who claim there is nothing they can do and tell us to wait more time. We need our money back to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working dilgently with Ocwen Loan Servicing and tbey have been telling us, meaning my husband and I. They are not receiving our paperwork, we have been filling out paperwork for the last 5 months, trying to avoid foreclosure. However, they have been lying about receiving payments abd paperwork. We are frustrated and have called tbe VA worker in XXXX, her name is XXXX XXXX, which she did seem concerned, she stated we must do what we need to do, and I asked what that was, she replied fill tbe paperwork out no matter what, XXXX XXXX did not seem like it was urgent, nor did Ocwen Loan Servicing because they are not concerned with our social security numbers along with our private information. My husband is a XXXX veteran, and we have fallen short in trying to pay rent and a mortage, which is why we tried to do a deed in lieu. We have been unsuccessful trying to get this issue taken care of, and seeking help. We have been frustrated, and losted for help. We are good paying citzens, and fell into a rut. However, we are seeking help because we need help and the company is failing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and is being ignored regarding my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: ALLIANT CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased an RV through XXXX  XXXX XXXX in XXXX XXXX. The loan they secured for me was with Alliant Credit Union. My first loan payment was due on XX/XX/2021 which was paid on time. I then made my second payment on XX/XX/2021. I noticed that NONE of my payment was going to principle. NONE. I realize how loans work and that most of the payments in the beginning will go towards interest and a small portion goes towards principle. I even confirmed this with the finance manager at XXXX  XXXX XXXX. I reached out to Alliant Credit Union multiple times the last being XX/XX/XXXX when they said they will escalate to a supervisor. Still no call from them and still not fixed. Interest only loans are illegal in CA where I live. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Do not owe this money for phone bill. They do not have a contract with my signature. Unable to validate the debt or verify that it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, this serious issue with Equifax and correction and or compensation to XXXX XXXX. WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED. DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.

Company response to consumer: Closed with explanation