BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased merchandise through this company. My contract specifically states that i will not be charged until ALL parts and merchandise have been received. Which they have not. I have explained in detail that ibhave not received everything therefore legally they cant charge me until it is received. Acima credit states the store did deliver everything and they did not. I have attempted multiple times to contact the store to no avail. Therefore im not paying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: CA
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:
I made a reservation at a hotel in XXXX on XX/XX/XXXX. The reservation clearly stated no penalty if cancelled 7 days before arrival. Arrival date was to be XX/XX/XXXX. Several days later, I noticed a charge for {$1100.00} on my credit card. I asked the hotel and they apologized that they did not clearly disclose, but there is a {$1100.00} non-refundable deposit for the stay. This was not clearly disclosed before purchase, or on the email they sent after purchase. They refused to return the amount. I filed a dispute with the credit card provider, and after 60 days they responded that they sided with hotel. The credit card company never asked for any documentation from me. I asked to appeal, and they said all decisions by them are final and no appeals are allowed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint : Nationstar Mortgage d/b/a Mr. Cooper did not notify Borrower or Borrowers rep of servicing transfer at least 15 days before the effective date. 

HISTORY : -Borrower/note holder died. As legal rep and successor in interest, submitted death certificate several times and Mr Cooper would not update file. Nationstar/Mr Cooper also would not provide documents to file for a loan modification. Finally had to resort to skipping payments to get them to send requested hardship affidavit and mod documents. 
- Once received hardship and mod docs, called them and was told we had until XX/XX/2020 to submit the forms and to make payments and stop foreclosure process. 
- received letter addressed to me confirming me as successor in interest. 
- Filled out documents and created a Complete packet including all supporting docs for submission. 
- On XX/XX/2020 received a letter addressed solely to deceased borrower stating the servicing of mortgage loan was being transferred from Mr Cooper to XXXX XXXX  XXXX effective XX/XX/2020 - which was the day before the letter even arrived. 
- There is still been No letter to successor in interest at all about change of service. 
- XX/XX/2020 : Called new servicer for account # and fax # so can send documents to them and was refused that information ; they stated successor I am not listed as authorized contact, and would not discuss matter with me. 
- XX/XX/2020 Have resubmitted all information via fax and email to new servicer and been told I must wait 48 hours for the information to upload, and to call back on Monday ( XX/XX/2020 ) - I am being blocked and manipulated from meeting deadline

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My request is : Please remove the new PRIOR SERVICER fee being placed upon my home mortgage account. 
This is regarding a fee of {$1200.00}. This new PRIOR SERVICER fee is a surprise to me. I was never made aware of it, nor was I sent a demand to pay it until my account was transferred to a different loan servicer ; which is : XXXX XXXX On XX/XX/XXXX, a mysterious extra PRIOR SERVICER fee was added to my monthly house payment. The explanation was given in the form of a list as follows : AND, I am copying exactly as it is presented to me. Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$920.00} ; and Transaction date : XX/XX/XXXX, PUBLICATION NOTICE, amt. {$21.00} ; and Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$230.00} ; and Transaction date : XX/XX/XXXX, LEGAL CERTMAIL, amt. {$25.00} ; and Transaction date : XX/XX/XXXX LEGALPOSTINGCOST, amt. {$16.00}. There is no better explanation of what it means. So I called the new loan servicing company : XXXX XXXX XXXX XXXX and I was informed the fees are for a loan default ( which I paid off in XX/XX/XXXX ), from the previous loan servicing company XXXX XXXX. Please check into this and stop this undeserved penalty fee. The dates of the mysterious PRIOR SERVICER fee dont match with any of the dates during the reinstatement of the loan from the default dates. So Im concerned that this is a double charge placed after Ive paid all the late charges and penalties from the previous foreclosure back in XX/XX/XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: GOLD KEY CREDIT, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I was covered by Medicaid for all medical expenses. This company is trying to collect a debt that I do not owe and does not belong to me. I have request Gold Key Credit, Inc to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Gold Key to remove this derogartory collection account from all credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I open a new checking account whit a cash deposit of XXXX $ account # ( XXXX ) The Banks Name : TCF Bank Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois PH # : XXXX On XX/XX/2020 The Bank put a hold on this account in the amount of XXXX $ Without any warning or paperwork for any reason why they are holding the XXXX $ from my account. 
So i called the bank and asked the reason why there is a hold on this account they told me that i owe them this amount from many years ago, so i asked the bank to release the hold on my Money the bank reply Refuse and told me to Authorize them to keep my money. 
Also I open another account on XX/XX/2020 account # ( XXXX ) in the amount of XXXX $ on XX/XX/2020 after they have put a hold of XXXX on my other account I withdrew the XXXX $ from this account and should have put this account in a new balance XXXX but the bank put this account in a XXXX $ balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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: Personal information incorrect

Complaint:
THE DATE OF BIRTH OF MY EQUIFAX CREDIT REPORT IS WRONG I HAVE ATTACHED MY I.D . SHOW THE RIGHT INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 did not report correctly. I did pay Bank of America on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX  also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.

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 2016-05-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was forgiven due to XXXX  and was agreed to be removed off my credit 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 non-monetary relief
Consumer complaint received 2020-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 status incorrect

Complaint:
See attatched USAA # XXXX Credit Reporting ( IS A PARTIAL ACCOUNT NUMBER?? ) What is a partial account number? What is the FULL account number? WHY IS THERE A PARTIAL ACCOUNT? Partial Accounts MUST BE IN VIOLATION OF FEDERAL FAIR CREDIT ACT LAW. I DID NOT OPEN THIS PARTIAL ACCOUNT Futhermore : USAA made A COLLECTION Unauthorized Payment XX/XX/2020 in Violation of Social Security Act SECTION 207.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: TX
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last report is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX  AND EXPERIAN HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 

NAMES : XXXX XXXX XXXX PLEASE DELETE. 
XXXX XXXX XXXX PLEASE DELETE.

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 2018-07-10
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. 
The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 
12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. 
Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. 

Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. 

WHY the unreasonable difference on DISCLOSED loan documents? 
Each amount disclosed was not accurate by facts from the XXXX XXXX. 

WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 

12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. 

WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? 

Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXXXXXX XXXX ( Loan # XXXX ) to PHH Mortgage ( Loan # XXXX ) effective XX/XX/21. XXXX had received three payments that were forwarded via overnight carrier to PHH and received on XX/XX/21. It is now 10 days and PHH claims they have not received and can not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a copy of my credit report and there was several errors and incorrect information reporting with regards the Dept of Education/XXXX. My account has been in deferred status for several years with XXXX amount due. My XXXX, XXXX, and Transunion reports are incorrectly showing that I was 90 days late in XXXX and 180 days late in XXXX and in XXXX. Please assist me in removing these inaccurate late reportings from my credit file. 

There are 10 Dept of Education Accounts reporting this inaccurate information on my credit 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 2021-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off my car lease with XXXX XXXX XXXX. Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: NJ
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 have collections on XXXX, Equifax, and XXXX that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Riverwalk Financial Corporation
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
There are 2 pending collections on my credit report for approximately {$2500.00} each from Deville asset management in XXXX XXXX Texas. These debts are currently being tried in a court of law under the workers compensation act. During my workers compensation case ( still currently pending ) i did a vocational rehab program to get back to work after my injury. These bills are private loans from the school that are part of the workers compensation case and by law can not be collected. I have asked them to remove these from the credit bureaus over a year ago. My lawyer has sent them a letter in XXXX of 2019 and i have filed a dispute with the credit bureaus. They have ignored the letter from my lawyer and responded to the credit bureaus saying their claim was filed correctly. 
If they do not remove this from my credit report within 30 days, i will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
ACCOUNT WAS CLOSED FOR NO KNOWN REASON, BEEN A CUSTOMER FOR HUNTINGTON BANK FOR ALMOST 10 YRS WITHOUT ANY ISSUE..
NO ONE COULD EXPLAIN TO ME WHAT MY CAUSE OF ACCOUNT CLOSURE WAS PLEASE INTERVENE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid off the loan on XX/XX/2019 and then on XX/XX/2019 an additional payment was deducted from my deposit account. When I called, the individual I spoke with seemed confused. The lender appears to use simple interest as when I opted to pay off the loan it showed figures for both outstanding principal and accrued, unpaid interest. The additional payment appears to be primarily for interest however I am not certain. In reviewing the loan agreement I noticed the calculate interest using a 360/360 basis which is highly unusual for any loan that is not a mortgage and I have never seen used in consumer loans which have a daily interest amount.

Company response to consumer: Closed with explanation