BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to work in XXXX in XX/XX/XXXX. I intentionally missed one mortgage payment, so I would not be overseas with no money. With my first paycheck I caught up on the missed payment along with the payment due for the following month. A few months later I noticed a {$5.00} fee on my bill, so I called to inquire as to what the fee was for. I was told I must request that information in writing, so I did. The response explained that foreclosure proceedings were initiated at my expense of {$55.00} and charged to my account at {$5.00} per month until paid off. I never received any notice of foreclosure and, because I have equity, I believe they were trying to steal my home in a very unethical and possibly illegal manner. 
I believe it was XXXX last year I accidentally payed my mortgage twice. There was no payment due but Ditech put my accidental second payment toward the XXXX payment instead of toward the principal. In XXXX of this year I received a bill with the statement date of XX/XX/XXXX and the due date of XX/XX/XXXX. I payed {$800.00} for a {$570.00} mortgage due. I then received another bill with a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Why am I being billed twice for the same payment, especially after it was paid? 
Another issue is my interest rate. I have a variable rate and it has been increased by .5 % twice over the last two years. I have called several times for an explanation and to find out which index my rate is attached to. They refuse to divulge that information to me and I am put infinite hold each time. I wish to research the index my mortgage is attached to and see if the interest rate increases were valid. I believe, because of their elusiveness, that the increases are not legitimate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a PMI on my Suntrust Coventional Mortgage. This PMI is due for removal and i have been trying to have Suntrust send me the necessary forms to begin the progress. My request for the forms have been pending with them since XXXX and I keep getting run arounds. I am not even been afforded the opportunity to complete the necessary forms to begin the process of removing the PMI from my mortgage. The effect is that I am forced to continue paying the PMI even though the LTV qualifies for the PMI removal. 

I am placed on more than 2 hours hold each time i call the Suntrust Mortgage. My request is to

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on transunion, XXXX  or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.

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 2023-03-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got hired the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my XXXX XXXXXXXX XXXX online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that I found the paycheck got chargeback and I found it is fraud. 

Because their bank account is Chase bank, I withdrew that {$3300.00} from my XXXX XXXX XXXXXXXX account and went to Chase bank to make a cash deposit. Chase bank teller told me they can't make a cash deposit directly from me to someone's account, so they did put my money in my Chase bank account first and wire the money to their account. After I know everything. I called to Chase bank and explained what happened, but they told me they can't cancel the transaction because I authorized that transaction. 
I have the scammer 's chase bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded.

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX  requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.

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 2018-03-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a month ago some of my family members started receiving threatening phone calls from National Credit Systems. The calls have been recorded and saved. It was not until the 4th voicemail that the caller identified himself as a debt collector. The saved voicemails can easily prove this both with the text of the voice message along with the time and date stamp. National Credit Systems has already broken federal law by not identifying themselves as a debt collector. 

National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. 

I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: AR
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:
This XXXX account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/2018. It is ONLY reporting on Equifax. This account was closed due to transfer XX/XX/2018. I have late payments from XXXX XXXX XXXX. Then showing current payments from XXXX XXXX XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from XXXX that they closed it and no payments after XX/XX/2018. I will be attaching all of that. XXXX and Equifax are no help. Every time I dispute, they add more stuff after the date of closure!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank is charging excessive overdraft fees to the point I can not catch up with the account and is causing me to not be able to pay bills and purchase groceries - most recently they have charged me overdraft fees for pending items that were on hold and was enough in the account to pay - I made a purchase which dud overdraw the account due to the items on hold that were deducted from my available balance!! I was charged one fee - then when the items that were on hold and deducted from my balance posted to the account they charged me an additional {$100.00} dollars in fees!!! How is this legal or justified? Those items were deducted from my available balance already! I am experiencing financial difficulty due to the current environment and they refuse to rebate any further fees - this current environment is nit changing any time soon. How us this ok? How am I to manage my finances when 100s of dollars are being taken from my account due fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2018-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I accessed my Wells Fargo account on-line in order to make a transfer from my checking account to another bank ( XX/XX/XXXX ). While entering the transfer information, I recognized that the last four digits of the XXXX XXXX account had been changed, and did not match the actual account numbers for XXXX. I stopped the transfer and called the Fraud and Security number at Wells Fargo, and deleted the transfer information for XXXX XXXX. I also sent an e-mail to Wells Fargo telling them that someone internal to Wells Fargo had changed the account numbers, and any transfer I made would not have been to my actual XXXX account. ( This was the second time I had the numbers on an account changed ; my Wells Fargo savings account numbers were changed about 3 years ago. My HRA deposited all my health reimbursements to that account, and caught the change in account numbers and called me. ) The phone call to the fraud unit resulted in the Wells Fargo unit cutting off my access to their on-line website, and then refusing to reinstate service until I went to a branch office to prove my identity ; they would not accept my SS number or my information on my checking account activity, such as last deposit made. I went to the branch office on XX/XX/XXXX, and a bank officer made the calls to their fraud unit to get my access to my own accounts reinstated. In spite of the bank officer calling from her office, and having my drivers ' license, checkbook, and all my information, the customer service person ( XXXX? ) proceeded to interrogate me and refused to give me access to my account until she completely went through her procedures. After an hour and 10 minutes, the bank officer tried to re-establish my access on-line, but it was still blocked. After we were put on hold several times, a new voice said our wait time would be 20 minutes more. We terminated the call and the bank officer said she would file a formal complaint, and would keep trying to gain access. She was unsuccessful, and I had to return to the branch office on XX/XX/XXXX. She again called an internal Wells Fargo unit, and we were successful in reinstating my access to my account. At no time was there any concern about the account numbers being changed. I am now in the process of getting 4 direct deposit monthly payments changed to another bank ; I have closed my savings account and deleted all other transfer accounts. Again, Wells Fargo never addressed the core issue of account numbers being changed internally by unknown Wells Fargo personnel.

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 2020-05-31
Company: EQUIFAX, INC.
State: NV
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 received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and XXXX  updated my personal information based on the proof I sent. However, Equifax didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in mid-XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Coast to Coast Financial Solutions, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dispute the validity of this debt and am demanding that Coast to Coast Financial Solutions provide debt validation documents. If unable to provide those documents, I demand this debt be erased as invalid. If I was in a contract with XXXX, I need to see where on those terms that I agreed to only one trash bin being picked up each week. I did not agree to those terms and I am disputing that I owe XXXX any money. If this shows up on my credit, and if this bill continues through collections I will have no choice but to escalate this complaint.

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 2021-03-04
Company: EQUIFAX, INC.
State: CA
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 TWICE DISPUTED WITH XXXX XXXX  AND EQUIFAX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX AF XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I need those hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was CITICARDS CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to XXXX pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. Experian and XXXX said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting

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