BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Performance is reporting a collection for XXXX. First, the service provider could not provide service at the location we moved to. Second, the debt was paid. Third, we told Receivables Performance that we were disputing the debt ( although paid by new service provider ) with the original provider ( XXXX ) because they could n't provide service at the new address. During the debt validation process we clearly informed them there was a dispute and they should refer back to XXXX who had already been paid but they put it on our credit report anyway which is a direct violation of FCRA Section 623 XXXX, v. XXXX XXXX XXXX and the Fair Debt Collection Practices Act 807 ( 8 ). Plus a few others..

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 2017-11-01
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since Nationstar changed to XXXX XXXX, they no longer send paper statements to me. They send an email that should allow me to gain access to see the monthly mortgage amount due and date due along with other mortgage info. However, everytime I try to access my account with the link, I get a message that the website is down. I have tried on 3 different days, multiple times. The site says that you can still access mortgage info if you call an 800 #, but when you call the 800 #, a recorded message just tries to sign me up for a medic alert system and " free '' cruise, then disconnects me. I can not connect with a rep nor am I able to access recorded account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We experienced a financial hardship after Hurricane Florence and have letters from XXXX XXXX XXXX stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, XXXX XXXX XXXX falsely reported to Transunion that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from XXXX XXXX XXXX during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.

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 2019-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a settlement agreement with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been making monthly payments to Mr. XXXX and XXXX , XXXX beginning in XX/XX/2017. 
It is now time for my final payment. I contacted Mr. XXXX, and they seem to be out of business. Another law firm named : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX answers the phone with a voice recording. NOBODY EVER RESPONDS, THEY PUT YOU ON HOLD THEN ADVISE NOBODY IS AVAILABLE. 
Mr. XXXX XXXX email are returned undelivered. 
Originally, I was sued on this account with XXXX , XXXX. Therefore, the final payment is crucial so that this matter can be removed from my credit report. 
I was NEVER notified that Mr. XXXX XXXX office was closing. Therefore ; 1. Who received my payments? 
2. Why wasn't I notified if Mr. XXXX XXXX office closed? 
3. XXXX XXXX XXXX , XXXX does not answer the phone, and who are they. 
Please help me to have this removed off of my credit report immediately. 
Thank you.

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 2020-12-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased plane tickets for my mother in XXXX with XXXX XXXX for travel in XX/XX/2020 to XXXX. XXXX canceled the flights and after much communication, they issue a refund for the New York - XXXX leg of the flight, however, they failed to issue a refund for the XXXX XXXX - XXXX leg of the trip. I opened a dispute with Chase on XX/XX/2020 XXXX Claim # XXXX XXXX and they incorrectly denied it as being authorized. I contacted Chase again on XX/XX/2020 and informed them that the transaction was indeed authorized, but that the issue was that XXXX XXXX  had not issued a refund and that they were not responding to my communications and another claim was open ( claim # XXXX XXXX. Today, XX/XX/2020, I wake up to see that the money of the dispute was once again removed from my account, ( overdrawing me ), and when I checked I see a letter saying that again, Chase had determined that the transition was authorized. This is ridiculous and unacceptable. XXXX XXXX is essentially stealing my money and my only recourse is Chase, and they don't want to help me. I called XXXX as I typed this message, and after waiting 30 minutes on the phone, they now claim that they don't have a record of this transaction, which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: MI
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:
The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} STATE OF MI XXXX XXXX {$440.00} XXXX   {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was 6-8 payments behind 2 years ago, they offered a forbearance plan and told me not to pay until I received the final paperwork. They never sent it, the next notice I received was for foreclosure. So I ended up filing chapter XXXX bankruptcy so I could keep my home. Now 11 months and a divorce later and I am only 2 payments behind on the mortgage with the money to make the missed payments in my account, but they have filed a motion to remove the stay on the foreclosure. I am very angry and frustrated by this. They do n't want my payments they just want my home. 
Please help me, me and my family have no where else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello I communicated with credit bureaus, Transunion XXXX and XXXX  on XX/XX/2019 Bureaus never responded as of today date XX/XX/2019, see attached letters part of complaint to XXXX XXXX XXXX, lack of attention on my account for their benefits damaging my card in bad faith, as I advise XXXX previously on my emergency situation XXXX ignore as usual this is the second time XXXX  causing me troubles to harm me cancelling cards, after payment made As a note on a previous Credit Card from XXXX, was paid {$300.00} as XXXX advise XXXX close my account after we had an agreement XXXX XXXX me {$300.00} and not investigation made by your office to clarify this abusive practice by company pending for investigation I would like this matter to be address.

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 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It was early 2018 I was staying with a friend in XXXX Texas I left my car door open and at night someone broke into my car and took my wallet which contained my Id my social and my birth certificate had to get a new one of everything after that I noticed false information on my credit tried to dispute it several times but dint have a police report to back my case because i never thought I would have to get one never called the cops only talked to the people at the apartment complex hoping thee would be cameras I currently live in XXXX Texas with my father and its been hard trying to get a place because all this false information on my credit

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 2020-05-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email at XXXX CT on XX/XX/XXXX that Citi decided to close one of my accounts, which did not give any additional information. After messaging the bank 's customer service on their app, I was told it was closed due to inactivity and that I had to call in. After navigating through a labyrinth of automated menu options, I was finally able to connect with a customer service representative who was very kind and understanding. Unfortunately the representative said that there was no automatic way to reinstate the account and that the bank had to submit a hard inquiry of my credit report and get a specialist to review the request, and that I would have to wait at least 7 business days to get a letter in the mail regarding the bank 's decision. There was no guarantee that I'd be approved - even though I've had the card for almost 7 years - but if I was the same tenure of the card would continue. I had to go through multiple channels to get help and did not get any assurance that I would get to keep a card that's integral on my credit report. I've never carried a balance or paid late, and have been a trustworthy customer for the bank, so this action makes no sense to 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 2017-08-08
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX after a HAMP program modification XXXX XXXX sold my loan to SLS. XX/XX/XXXX I received my first statement from SLS stating to pay {$210.00} on XX/XX/XXXX as it indicated there had been {$1300.00} already applied toward the XX/XX/XXXX payment. I telephoned SLS as asked where the {$1300.00} came from and was informed it came over from my former lender with the escrow balance. I paid the {$210.00} as requested. XX/XX/XXXX I received a delinquent statement for the full payment amount. I telephoned SLS and inquired what happened. I was informed somebody moved the {$1300.00} to my balance and so the representative was moving it back to apply toward my XX/XX/XXXX payment. Two days later I telephoned to see if the transfer was successful and was told the {$1300.00} had disappeared. I have gone to their " executive dept '' several times and all I get was " oh there was an error ''. Recently I received a letter from SLS stating they sent the {$1300.00} back to XXXX. XXXX says they never received it. I have been past due for over one year and XX/XX/XXXX I received 4 notices of intent to foreclose. A SLS representative told me not to worry about it but there has been no notice received that SLS is not proceeding with foreclosure. I spent over one year trying to get a straight answer out of SLS about the {$1300.00} and still they have not verified they returned the money to XXXX. XXXX says they would mail me a check if they had received funds from SLS. XXXX wants a check number to track the payment on their end. Further, the {$1300.00} to the penny is showing on my XX/XX/XXXX XXXX statement as unapplied funds. So this whole " error '' thing just does n't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an XXXX by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account XXXX allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from XXXX lease remove them off my 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 non-monetary relief
Consumer complaint received 2019-02-28
Company: CITIBANK, N.A.
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: Problem with customer service

Complaint:
XXXX XXXX changes my address without my consent. They said that they got a change of address from our post office, but I did not move and I NEVER CHANGED MY ADDRESS. I have called several times, they will not change it back because they say my passwords are wrong. So I set up auto payments to get this paid and I over paid, they will not give me my money back. They are rude and will not help 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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My Transunion credit reporting is reflecting a collection account in amount of {$290.00} from XXXX XXXX  from XXXX Ma. The phones numbers associated with business are not in service and no communication confirmed. This account was supposedly verified by Transunion which is false. I want the collection off my report I never received any communication from collection agency regarding this account as it is most likely not mine.

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 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX is fraudulent on my credit Account on Experian and 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 2020-10-27
Company: JPMORGAN CHASE & CO.
State: WA
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:
Hello, I located your email address off theftc.govsite, Ive filed a report of a scammer named XXXX ( Report XXXX ) who continually calls me impersonating a Chase Bank Fraud Department employee claiming there are suspicious charges on my account. 


This person has been calling multiple times since XX/XX/2020 and is calling from a Florida number. XXXX He will try to ask me for specific account and person information to verify it. 

However I contacted Chase directly and they stated ( even on their site ) they don't call customers in this manner. 

In addition, he called on my home number which isn't associated with my account and unfortunately did have my Date of Birth. 


I just wanted to email you to inform you of the situation and appreciate any assistance you could provide to help stop this and if theres any recourse for me. 

XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: Experian Information Solutions 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:
Experian in my opinion a fraud of great magnitude or totally incapable of doing what they claim they do correctly OR AT ALL. In trying to address report XXXX -- -- XX/XX/2021 and calling the number THEY PROVIDED XXXX XXXX once again that number provides NO CAPABILITY AS THEY THEY CLAIM IT IS THERE FOR THE DISPUTE IN QUESTION IS STILL NOT CORRECT SINCE THEY REFUSE TO ALLOW MY PERSONAL COMMENTARY EVEN THOUGH THEY CLAIM A PERSON CAN ADD THEIR COMMENTARY. XXXX XXXX DID XXXXTHEY DON'T! AND YOU, THE XXXX AS WORTHLESS AND INCAPABLE AS THEY ARE. YOU WILL CLOSE THIS IMMEDIATELY AS YOU HAVE DONE THE HUNDRED OR MORE COMPLAINTS PREVIOUS. BY OPINION A BLIGHT AND SHAM ON THE AMERICAN PEOPLE. THE REPO WHILE UPSETTING NOT THE ISSUE. THE FACT THE LENDER CAN NOT PROVIDE THE TELEPHONE RECORDS AND DISMISSES THEM AND EXPERIAN DOES NOTHING ABOUT THAT IS AN EVEN GREATER FRAUD. THEY DO NOT ALLOW THE COMMENTARY TO THAT EFFECT! THE DISPUTE PROCESS AS THE CREDIT MONITORING AND FICA SCORES ALL A SHAM. IF YOUR READING THIS AND TOLERATE THAT YOU ARE EITHER COMPLACENT OR LIKE THEM.

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 2020-05-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has not been managing my escrow account. I had a increase in taxes for my land and they never increase my payment amount, plus my when the school taxes change again they probably wont change my payment again. This company should not be managing my loan period. They can't even manage a escrow 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 2020-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Bank cashed a check with no signature that was also post dated by a month. I am listed on the account and also have POA on the account. I have contacted Citizens Bank 8 separate times to get my mom 's money back for {$90.00} since she never signed the check. The bank was unresponsive, but most of the employees agreed it was clearly a bank error that allowed the check to cash. Citizens said the bank was presented to XXXX, so it is XXXX ; XXXX fault and they can do nothing. I made a video here : XXXX XXXX XXXX The last call was to the Chairman of Citizens Bank 's office and the record, single party consent, it on the linked video where they refuse to reimburse the account.

Company response to consumer: Closed with explanation