BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I was taking care of my grandpa, and I was paying on the mortgage with XXXX XXXX, well the last 3 months I had to stay with him, as he was XXXX, he then XXXX, and then XXXX XXXX switch the mortgage to XXXX, they sent a statement out and I contacted XXXX  to let them know I was the one paying on the mortgage, so I asked them what amount and such can I pay, they said they won't take my payments, so I let it go for a week or 3, and I contacted them again ask said I need to pay, they still said they won't take the payments, so not knowing what to do or what they would do I left it alone for XXXX XXXXt, then they send a foreclosure papers, well then I searched for an attorney, I found one but all he did is take my money and did nothing, so I had finally found another, and that didn't work out as they were agreeing to things without asking me or talking to me about it and I've already filed against attorney now it's your turn I offered to pay and in my grandpa 's will said he wanted me to continue living on the property of XXXX XXXX XXXX XXXX XXXX XXXX both XXXX and attorney said I have no rights, I trusted and trusting gets me out of XXXX XXXX now I have less then two weeks before I'm homeless and a XXXX dollars isn't enough to get me new pkace and I talked to attorney general and another person and they said mortgage companies don't care where the money comes from as long as they get there money both XXXX and attorney screwed me royally so I'm suing XXXX   because it should have not gone this way they never even asked me how much I was going to pay or anything but now that it was in foreclosure and it's XXXX XXXX now I can pay what's that's that's wrong and they sold the house before the reception period was up so I will see them in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 went through a divorce in late XX/XX/XXXXand took a job inXX/XX/XXXX out of the country. 
I came back to USA in lateXX/XX/XXXX to find that many accounts were opened in my name. Not sure who but I have a suspicion that it was my ex-wife. 
I supplied all records and proof of work and visits to the USA during the time period to the credit agencies to resolve the matter. 
Many of the creditors removed their filing except for 3 collection agencies listed below. 
Also, there are 2 addresses on my report that belongs to my ex and I have never lived there or anywhere in XXXX. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. 3XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX She added my name to her address and received the cards or loans online to that address while I was XXXX if miles away. 

To be removed : 1. XXXX XXXX XXXX  XXXX XXXXY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Total {$2500.00}. 

2. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Total : {$5200.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Total : {$1900.00}

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 2019-04-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.

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 2018-04-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have always paid my real estate taxes and mortgage insurance on my home. Ocwen once before tried to force me into a escrow account and I called and had it cancelled. They have once again did the same thing. They sent me a list of what I needed to do to cancel it. I did what they said and then they turned around and denied it and paid a back tax that they had no right paying. I handle that myself and now because of that, I once again owe them money and they are saying I can not cancel the cancel that escrow. My wife was on the phone with them for over an hour telling them, that we know all about the lawsuits against them and the sanctions that were placed on them for this very thing. She also informed them that if she did not hear back from them that a complaint was going to be issued. Every other year they are adding an insurance policy to my account when I handle my own insurance policy through XXXX XXXX. Its a battle to have that taken off my account even after my agent calls them and sends them the proof that I have insurance. Its a nightmare dealing with this company with all the sneaky things they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 DISPUTED A BANRUPTCY LISTING ON MY CREDIT REPORT WITH TRANSUNION .I RECIEVED A RESPONSE BACK FROM TRANSUNION STATING THAT THEY VERIFIED THE BANKRUPTCY WITH THE BANKRUPTCY COURT .I CONTACTED THE BANKRUPTCY CLERK AND WAS TOLD THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST A THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF .SEE ATTACHED LETTER.TRANSUNION PROVIDED NO INFORMATION ON WHO VERIFIED THE LISTING. THE ONLY THING TRANSUNION DID WAS LIST THE ADDRESS OF THE BANKRUPTCY COURT AS VERIFICATION. TRANSUNION HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT. THE LISTING IN QUESTION IS BANKRUPTCY ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Venture Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri through Venture Financial Services Inc., of XXXX, Missouri alleged in a XX/XX/XXXX letter that I owe a debt. I disputed the claim and requested documentation that I am legally entitled to and, I requested that Venture Financial Services not contact me at my place of employment, that they not contact my employer, co-workers, neighbors or relatives. To date, neither XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri nor Venture Financial Services has supplied me with the requested documentation. However, Venture Financial Services has made numerous attempts to contact me at my place of employment again, despite being asked no to. The request was made via a certified letter to Venture Financial Services and signed for by XXXX XXXX on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XXXX I contacted Chase bank by mail notifying them I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 


The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


CHASE BANK is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Chase ) Making the report is not INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Chase ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Chase stated there was not enough evidences to start an investigation.

All corporations should know the laws that supposed to be following. My letter was very clear and conspicuous. 

I will not send nothing to CHASE WITH MY signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BARCLAYS BANK DELAWARE
State: ME
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX my wife and myself were going to re-new our passports with the US State Dept. through XXXX XXXX. On XXXX we decided to cancel this order as we are elderly and probably will not travel. I contacted XXXX XXXX  via e-mail and informed them of our decision. XXXX XXXX  ignored our communication and posted two charges of {$49.00} to our Barclay card onXX/XX/XXXX.I contacted Barclay Card and filed a billing dispute. Case number XXXX and XXXXOn XXXX Barclay sent me a letter that they ruled in favor of the Merchant. On XXXX I sent Barclay a letter that we never received the merchandise we paid for as we canceled the order. I am not required to pay for an item I never received 15 USC ss 1601.Barclay has since sent me a statement that I must pay {$98.00} plus interest.

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 2019-04-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, EQUIFAX IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a budget, I live paycheck to paycheck, and needless to say I review my checking bank account online every evening. My last incident of many, On Monday, XX/XX/2019, I noticed that ( 2 ) charges hit the checking account, and as previously instructed by the bank customer service, Ensure to balance your account before midnight. I went to the ATM and made the deposit and the receipt shows a positive balance ( receipt attached ). The next day the bank had charged me for insufficient funds fees ( $ XXXX {$64.00} ) anyways. I called their customer service to complain and their last excuse is that I have to read the ATM receipt that explains that any deposit done in ATMs will be credited the next day. I have this account with this bank for 20 years and this the first time that customer service give me this new excuse not to waived the fees. They only allow ( 1 ) waived fee per year among many other excuses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Gurstel Attorney has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX dollars of my savings that came from XXXX XXXXXXXX benefits social security back pay that I received after years of fighting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX MEDICAL Account Number : XXXX XXXX  CARD Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX CPS/XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : 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 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Used my Bank of America account using XXXX to transfer {$400.00} on XX/XX/18 to a contact who shared phone number, email & full name with me. He confirmed receipt of money transfer and went missing. Bank of America can't help nor can XXXX. Would really appreciate my funds back especially since BofA sponsors XXXX transactions.

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 2019-04-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I at temped to make a transfer of funds from paypal to my bank. Paypal reversed the transfer. The funds never got to my bank account. Unfortunately I had to work so I did not check to see if the money went through.I have had both these accounts for three years and never had a problem. I made a transfer on XX/XX/2019 and it went through no problems. I incurred {$190.00} ( as of XX/XX/2019 ). I have spend four days listening to paypal blame me and the bank for a system error on their part. 
I have heard all manners of excuse of how the bank was the problem, or how I used their system wrong. Paypal refuses to take responsibility for their system. 
I contacted the bank first by phone then in person with paypal on the phone. XXXX XXXX XXXXXXXX XXXX   said even if they declined the transfer it would have shown up on my account and they would be able to see it. They looked to see if it was trying to go through my debit card and got rejected. No. They look to see if it was wired to me and got rejected. No. Nothing hit my account. I have recorded all the conversations between me and paypal and me and XXXX and paypal. At this point I am caught between Paypal and XXXX and I have to pay off the overdraft fees and no one will take responsibility for their system. I do have recording of my conversations with paypal and XXXX but my body cam download is more than 10 mb. So if there is another way for me to send them please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in this account i have a settlement with the company which they asked for an amount to pay off this account. I paid this off in 3 payments they stated it would come off my credit all was settled. Well it was sold to another company after I paid the settlement amount.

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 2018-02-01
Company: EQUIFAX, INC.
State: PA
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 been in a constant battle with Equifax in regards to several things that are inaccurate on my credit report. There are three collection accounts being reported on my credit report which are medical. I have sent a validation letter directly to the collection agency as well as disputed directly with Equifax more than 30 days ago. Neither have provided me documents of verification of this debt. As a matter of fact, the collection agency never responded and Equifax just responded to my dispute that it had been verified without providing verification documents which i am entitled to via the FCRA. In this case, the items needs to be immediately deleted from my file as required by law until i am provided with verification. 

Also, there is a public record on file that is inaccurate. Equifax stated that they verified this with the reporting agency. I contacted the Bankruptcy court directly and was provided with a letter stating that they do not report nor do they verify anything with the credit Bureaus. There report stated that they used a company called XXXX XXXX which is a third party. I contacted XXXX XXXX directly to verify that they indeed certified that what was reported was correct and was told that they also did not verify anything because there is a security freeze on account due to the fact that I was a previous victim of identity theft and mistaken identity with someone with the same name as I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX FKA XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Regions Bank charged me multiple times for checking my account at another atm. Which is understandable but they charge me too many times ; I only checked twice causing me to overdraft. Later I was charged for something that was supposed to have been declined.

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