BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company identified itself to me as XXXX XXXX XXXX from the number XXXX. They actually contacted my sister in law on her cell phone to message me. When I called the number above they left, a representative, XXXX XXXX, verified my social security number. She offered this number, it was not supplied by me. She claimed to be collecting a debt owned to HSBC Mastercard of {$2000.00} approximately incurred in XXXX of XXXX. When I requested information in writing she became aggressive and said if that was my social that I could not dispute the owed amount and would have to wait for my soupena to court and the charges would increase to {$8000.00} or more. XXXX also indicated that HSBC had closed the account, written off the monies due and deleted the file and would not be able to respond to inquiries regarding my account. 

I contacted them at XXXX re : file # XXXX today XX/XX/XXXX at XXXX. I have never held credit with HSBC or any other Mastercard  bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has XXXXiolated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX ATTENTION PEOPLE this website link is a XXXX XXXX XXXX pleases do not give them your personal information or if they ask for you to download a third party app called ( ANY DESK ) DO NOT DOWNLOAD they screen record all your personal information and login into your bank info XXXX XXXX etc They are pretending to be a XXXX XXXX support team and they are not THEY constantly update they contact number on their website every time they scam someone so far its been updated XXXX times or more please spread the word I got scammed out over more than XXXX XXXX XXXX these people behind this criminal act try to get this website blocked on all sites do what you have to do to report this website

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 2020-02-04
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: Public record information inaccurate

Complaint:
Ive repeatedly disputed a chapter XXXX bankruptcy case with Equifax because they are reporting information that has not been verified and is being wrongfully reported as this case does not belong to me. It belongs to an ex spouse. I would like this Ch. XXXX bankruptcy to be removed from reports immediately since they have failed to verify me as the responsible party. The only thing that they have done was update the bankruptcy as closed /dismissed but the responsible party information was never verified and the bankruptcy still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had Best Buy Credit card for a long time. 
I have set up auto bill pay with XXXX  XXXX XXXX so every XX/XX/XXXX of the month, the card is paid. 
About 20 months ago, I experienced the same issue. They charged me for a bill past due. 
The interesting part is that i had been paying $ XXXX/month without any purchase. They went into my account and cut me a refund check that never arrived, about {$1500.00}. When I went to the store to buy a merchandise, the credit card had XXXX balance, rather than {$1500.00}. I asked them to void the check and put the money back into the credit card as credit. Well, they didn't do it, they charged me fees, and I had to come to CFPB to clear the issue. They have yet to make full payment of that balance ... 

Now the issue is the same ... they have charged me twice a {$31.00} fee for not paying the recurring bill. They called me this week ( about 2 days ago ) to complain about a past due balance from XXXX. They were claiming they never received a payment. I asked the collector ... Did you see a payment posted every single month, on the XXXX? After 10 minutes fetching in the system, he realized that the payment had been made, but unfortunately Citi 's system received it as a prepayment for the previous month, and not for that month. I explained that that is their problem, and not mine. That they had already asked me to change my recurring payment 20 months ago for the very same problem. Well, if I make monthly payments religiously, why would they still charge me {$31.00} as fee? Citi 's system is clearly broken and I shouldn't be getting nasty calls from their collections team accusing me for past-due amounts when clearly payments are being made, as they have been for the past decade. I just feel that I, as a consumer, shouldn't be bugged for automated systems that have little to no intelligence, and ends up being accusatory and disrespectful. 
Given that this is the 2nd time this is happening, and that they have already not fully credited me for the {$1500.00} in the past, I feel this complaint is well deserved. 
Thanks!

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint # XXXX was only concerning the first mortgage. I was referring to the second mortgage. It was bought from XXXX by Ocwen and there is no record that it was paid off but it was discharged in the bankruptcy in 2013. This loan was was released and discharged but there and there is no record that I owe the XXXX. I need a release so I can refinance. It only shows that I owe XXXX but we need written release so I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: REVERSE MORTGAGE INVESTMENT TR
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I requested a " payoff letter '' of the reverse mortgage in XXXX. I received the payoff letter and it stated it was good till XX/XX/19. I sold the house on XX/XX/19 and requested another payoff letter so I could close on XX/XX/19. I rec 'd automated reply stating it takes XXXX business days. I called on XXXX to ask where it was since I closed but the title company will not release the funds until I get a final payoff letter. She asked when I wanted the payoff till????? I said today so I can email to my attorney. She emailed to my office encrypted to XXXX XXXX XXXX, I could not open Adobe Acrobat..it stated it was a prohibited access. I tried to forward to my lawyer and home email, it would not forward. I requested they fax to me, I never received the fax. I called on XX/XX/19 they said they had to reissue a new payoff letter since it expired on XX/XX/19. I asked for supervisor..none were available. She stated she would try to get through. XX/XX/19 nothing has come. I called them again ... same drill. The interest and fees keep accruing and I feel this is a scam

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 2019-11-07
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I had a U.S. Bank XXXX Visa Final XXXX account that was included in Chapter XXXX bankruptcy, the bankruptcy proceedings started in XX/XX/ 2019, and the debts were discharged in XX/XX/2019 by the Honorary Judge. However, I keep {$400.00} in funds that I can't withdraw at all. In consultation with the court, the {$400.00} is not due to the US bank because the debit has been discharged, so it is no longer for collection, payment or liquidation, since the bankruptcy  process is fully closed today, however exhausted me means of dialogue with the bank.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2019-11-07
Company: Tri-Counties Accounts Adjustment Bureau
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I moved out of my house on XX/XX/XXXX and I had contacted XXXX XXXX XXXX XXXX that the bill was incorrect on XX/XX/XXXX and spoke to XXXX and she said she would look into it told me that his wouldn't be sent to collections, or credit agencies. My boyfriend was then contacted XX/XX/2018 via is phone number, He has an out of state number and address compared to mine and a different last name. He was contacted by Account Recovery Services, the person identified themselves as XXXX XXXX. 
I have a time/date email that my boyfriend sent to me that he received a call from XXXX XXXX at Account Recovery Services XXXX at XXXX on XX/XX/2018. Here is what he told me occurred : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. 

<I received a call from XXXX XXXX She was looking for XXXX XXXX. 

She asked if I was her husband I said no. She then asked if I new about the XXXX XXXX water bill that was due and that she was with Account Recovery Service. XXXX owed {$520.00} I said the only thing that I know is that I never lived in XXXX XXXX and I don't owe it so why are you calling me? Then she asked for XXXX 's number. I said give me yours and I will try to give it to her if I see her ... she gave me XXXX. 

I asked if this is going to be reported to credit? she said no. I said is this call being recorded? She said no. 

Side note : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. She should have never shared your information with me! > The above was all from my boyfriend and I am not pleased with them sharing my personal information and I know that it's not legal! Not only is this a violation but it was extremely embarrassing and was my private information, I had absolutely no other negative infractions on my credit report and this has been a constant stress and impedes my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, Both XXXX XXXX & XXXX XXXX launched the same program for home retention called " The XXXX XXXX Loan Modification, see attached herein. I have included a copy of the XXXX Reference guide for your review. The program was intended for all conventional loans and therefore servicer 's must adhere by the program reference guide. The financial information and sample provided below proves that we qualify for the XXXX loan Modification : XXXX {$580000.00} ( appraisal Value ) = {$580000.00} {$700000.00} ( Post modification gross UPB ) - XXXX XXXX ( forbearance amount ) New Loan Amount XXXX extended to 40 years 3.64 % PMM rate on XXXX XX/XX/2019 Principal & Interest = XXXX + escrow XXXX PITI {$3300.00} PITI {$3300.00} divided by Monthly Income {$10000.00} = Debt to income Ratio is 0.32 % Less than 40 as it is required by the program. 

Rushmore claims that can not offer a loan modification because we have applied in the past and have been denied. it is irrelevant that we have applied in the past, Rushmore should have approve the loan mod the first time. We qualified then and obviously qualify now. Rushmore are ignoring all loss mitigation options in XXXX Florida and should be investigated for engaging in Florida deceptive business practices. We demand that the lender complies with the XXXX program or get rid of this loan to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Based on my claim history i was issued a payment on XX/XX/2020 for XXXX but i never got my card i was trying to request a new one but until nowi have no response why my account was frozen even though i provided my ID to the XXXX. I keep on getting paper checks but i have XXXX  XXXX  so i can not cash the checks

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 2023-01-31
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Currently behind on rent due to compromised immune system and XXXX. Business is in violation of SB91 which is in effect until XX/XX/XXXX. XXXX XXXX 

I had XXXX XX/XX/XXXX, expected to have another XXXX within the next 2 month and I have XXXX XXXX XXXX XXXX XXXX 

My daughter has an XXXX XXXX XXXX which would cause  XXXX  if evicted from our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as 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 2021-10-06
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we have applied for a loan to Re-finance to a lower rate. Citi Mortgage sent us invitation to refinance with a {$1000.00} coupon. We followed their instruction and paid appraisal fee on XXXX XXXX XXXX.My property value came up to {$1.00} XXXX. My credit Score is XXXX by credit reporting, We applied for a loan amount of {$450000.00}. 
Citi mortgage broker asked us for 12 documents. We have sent citi mortgage all requested documents at least 5 times or more each time. Every few months for several months during year XXXX. 
On the XXXX of XX/XX/2021, The Broker Mr. XXXX XXXX called me that he need one last document. A copy of one month 1099 direct deposit, from my wife employer, to citi bank statement where my wife carries professional corporation account.

We have sent him THREE MONTHS statement XXXX XXXX. We also told him that the Employer does not send PAY STUBS each month. They only make direct deposit each month an the stub is sent at a latter month, or when requested.And 1099 is prepared end of the each year. That is how it is setup with the employer.Mr. XXXX the broker told us that he need XXXX statement. We sent a copy of direct deposit from Citi bank statement, to him. We have told him that the month of XXXX did not end of yet. This will be given XX/XX/2021. Mr.XXXX XXXX the broker started to argue with me. And my LOAN got cancelled, because of my wife pay stubs. Although we showed proof of payment, from employer.They discriminated our loan with no apparent reason.

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 monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordane with the Fair Credit Reporting act. The account on this list below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in inaccurate.

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 2018-08-08
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
collection company for XXXX XXXX is repeatedly calling me in an attempt to collect on a debt that they have not provided validation for in direct violation of the FDCPA. I have repeatedly told them to cease contacting me by phone and they continue to call and threaten me.

Company response to consumer: Closed with explanation