BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: ALLY FINANCIAL INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ally Home Loans.

Escrow amount being collected is 77 % too high. {$780.00} vs. {$440.00} These are numbers calculated by the *mortgage lender themselves* in two different closing dis
closures. The higher amount on a closing document dated XX/XX/XXXX and sent before closing. The lower amount on a second closing document dated XX/XX/XXXX and sent AFTER closing. 

The mortgage lender noticed their error after closing occurred and sent me a 2nd " final '' closing disclosure after closing papers were complete. However, the mortgage is being serviced with the 1st final closing disclosure still. If they used their own 2nd closing disclosure, we'd be done here.

I have their document saying that they need to fix it, but not the fix from them. It is now 38 days on. They do not respond to my email or  phone calls anymore- they have not since XX/XX/XXXX. 



History On XX/XX/XXXX they sent a final closing document and instructed me to wire the amount in the document immediately to make sure it was there before closing. 

On XX/XX/XXXX, they wired an incorrect and insufficient amount to my closing. I was unable to close on the transaction. 

They gave an incorrect wire transfer tracking number while reporting to me and the title company verbally as well as in writing that the correct amount was sent. 

At XXXX XXXX EST on XX/XX/XXXX they sent this XXXX " final '' disclosure that still remains a problem On XX/XX/XXXX their error in sending a wrong closing amount was caught by the title agency. The mortgage lender indicated in writing that they have sent the remaining funds in the meantime. 

On XX/XX/XXXX, a manager got involved and reiterated in writing that they sent the remaining funds on the 3rd and provided a wire tracking number in the same email that began with the date of the 4th. Then proceeded to deny any errors were caused by them- while blaming it  all on others. They have gone silent since then refusing any further interaction including this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, XXXX PST, I received an email from chase saying I was approved for a chase XXXX preferred card. I received the card XX/XX/XXXX. I attempted to activate the card at XXXX XX/XX/XXXX to find that the account had been closed before I could active the card. I called to inquire why, they told me after having approved me and extended me credit, some other, unknown department did some extra due diligence to decide not to extend me credit ultimately. They ran my credit, extended and approved my credit line based on my credit report that they pulled and then denied it. This is not how the credit process works and it unacceptable. This is a bait and switch tactic and is in violation of the Fair Credit Reporting Act. I asked them to remove the inquiry as I've worked extremely hard to improve my credit score over the last 2 years. My XXXX  score is XXXX, my XXXX score is XXXX and some how they are saying my XXXX is XXXX. They've denied my request to remove the hard inquiry to my credit report and have not extended the credit they approved me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
They caused emotional and financial strain by holding my money 5days1 then saying they were gon na hold it 5more posting a positive available balance then taking it putting me negative XXXX closing my account and not giving me my money while I'm at the bank telling me I can check if my funds are there and if the bank will let me come get them No they closed my account withholding {$830.00} either expidite the _XXXX or release the {$1400.00} immediately I'm XXXX  XXXX and the dress they have put on me is enormous

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 2019-06-05
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A Bi-weekly payment process was authorized and confirmed to start in XX/XX/2019. In XXXX, a late fee was billed. The company was contacted by us and they stated an error was made by them, and the bi-weekly payments were cancelled for unknown reasons. The company said this was not uncommon, but stated a new authorization would be required by us. We said we would just make regular monthly payments to avoid this problem. The company removed the late fee, and confirmed the date and amount of the next payment. Company stated everything was corrected.XX/XX/2019, we received a bill for twice the monthly payment for XXXX. XXXX was already paid, and now a double payment is due for no reason. The company is being contacted for the third time about this issue, and we are concerned about malicious billing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in foreclosure mediation with Flagstar Bank. I am requesting and have been in the process of applying for a loan modification. I have become concerned with discrepancies in the verbal and written information I have been given, as well as numerous other problems. This led me to research Flagstar. In doing such, I became aware that they are under a consent agreement with you. The violations they are under consent agreement for mirror the problems/behaviors that they are engaging in with my case/file, IE closing out the file inappropriately, not communicating requests in a timely manner, unwarranted delays in processing, etc. I have proof of all of the above and more. I am fearful that Flagstar bank, which is headquartered in Michigan, is going to issue an unwarranted denial of my loan modification. Oddly enough, the underwriter I spoke to there told me, on a recorded line that his job " XXXX '' and he has too many files. This overloading is one such item of MANY that Flagstar was ordered in the consent to correct. My home is very important to me and I do not want to be issued a denial because of these internal issues. My spouse and I have the income to sustain our home and we will pursue all avenues available to do so.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 It also states a 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 non-monetary relief
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Bank of America Recast group on XX/XX/XXXX at XXXX. I was told during 12 min conversation after looking up my mortgage that a recast package would automatically be sent out to me in XX/XX/XXXX because recast was only available after 5 years on modification loan. I called BOA on XX/XX/XXXX and spoke to my mortgage rep XXXX XXXX who didnt know anything about the package. He contacted recast group over a 2 week period and gave me different stories and admitted the stories he received from recast group contradicted one another and then provided me with a XXXX tracking # for the recast package that was bogus and going to XXXX XXXX on XX/XX/XXXX. ( XXXX ) He was supposed to update me but i had to keep calling in. Each time new story on why it was delayed being sent out. I called recast after Mr XXXX stopped responding and they changed stories several times. Then on XX/XX/XXXX Mr XXXX finally accepted a call thru his coworker from me and proceeded to start the contradicting stories from earlier. I just want official documentation for application for recast or denial WITH REASON for denial. I believe this is retaliation for lawsuit about modification and settlement documents. *********No paperwork has been sent regarding recast as of 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 explanation
Consumer complaint received 2018-10-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV
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:
inaccurate information showing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I, XXXX XXXX, consumer did not give equifax written instructions to furnish the identified information ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive contacted Citibank repeatedly regarding fraudulent transactions on my account. They keep re-adding these fraudulent charges. My old debit card linked to my checking account was stolen and used in XXXX and other online purchases. The following transactions are fraudulent and in dispute and should be sent back to the respective merchants : XX/XX/21 {$100.00} XXXX  XX/XX/21 {$29.00} XXXX  XX/XX/21 {$40.00} XXXX XX/XX/21 {$74.00} XXXX XX/XX/21 {$98.00} XXXX XXXX  XX/XX/21 {$130.00} XXXX XX/XX/21 {$200.00} XXXX XX/XX/21 {$700.00} XXXX XX/XX/21 {$1100.00} XXXX  XX/XX/21 {$1000.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Multiple charges that appeared to be for goods and services that were not accepted or that were not delivered was posted on the Barclay credit card account. The merchant was contacted multiple times, in writing, regarding the dispute and had sufficient time and the opportunity to resolve the issue. By letter dated XX/XX/2020, Barclay advised the undersigned that it was unable to pursue credit on the undersigned 's behalf for the transactions because the merchant allegedly did not have the opportunity to resolve the issue. However, on multiple occasions including on XX/XX/2020, and again on XX/XX/2020, the undersigned advised the merchant that the goods and services had not been received and requested a credit for the transactions without a response. The undersigned forwarded copies of the correspondence that were sent to the merchant to Barclay in support of the charge back process. 

Despite the undersigned 's best efforts to date to resolve the dispute with the merchant, Barclay refused to pursue credit on the undersigned 's behalf including invoking the right to charge the transactions back to the merchant for non-receipt of goods and/or services.

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 2018-10-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 XXXX XXXX accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Credit Systems International, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some has stolen my information in Texas to open XXXX utility bill didn't pay it stole my information to do it and Now it had came up on my credit report this month. 
I live in XXXX in XXXX and had never even visit or been to Texas and Dont even No anyone there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: PR
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:
The fair credit act requires to verify the validation of the items within 30 days. Since 2016 I've been trying to validate with Experian BK XXXX and BK XXXX. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that those accounts belongs to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX ; they sent my consumer disclosure report to me which shows clearly that I dont have any bankruptcy in my records ; I sent Experian a copy of that report. However, theyre still reporting that the results of the investigation were verified as accurate. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that you contacted, address method of verification and you still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ). Because of the Covid 19 all the process were delayed. To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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 fraud alerts or security freezes

Complaint:
I just tried to install a credit freeze in my Transunion account. Their website is deliberately blocking me from doing this. Although I can log their website, their Credit Freeze link directs me back to their login site, which then does not recognize my login information. 
Setting up a Credit Freeze was trivial for XXXX  and XXXX. In my experience, this is not an accident, Transunion is deliberately making it more difficult to setup a Credit Freeze, which they are legally required to do. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: PA
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:
I tried disputing inaccurate accounts, delinquent accounts that has been paid on time, incorrect addresses, and unauthorized inquires with Experian for the last eight to nine months or evening longer. I Recently disputed on XX/XX/XXXX, andXXXX, XX/XX/XXXX, and XXXX of XXXX. I still didn't receive a response from my XX/XX/XXXX dispute I wrote to them. Of the Fair Credit Reporting Act, Experian has 30 days to respond or the accounts I disputed must be removed. There reporting a late payment on my XXXX account for XX/XX/XXXX, that account has never been late, I sent them proof of payment for that month, and they still didn't remove it. The proof was a written statement and a payment print out from XXXX, and they still never corrected the error. When I ask them to verify the accounts they never will send me anything in writing with my signature or contract with my name on it. Wrong/incorrect last for digits of social security XXXX is incorrect. Under The Fair Credit Reporting Act section 609, the creditor and the credit bureaus must prove that the account is mine. They never send proof. XXXX XXXX XXXX  is not my account. I asked them to send me verification and validate that this inaccurate account is mine, they would never send me validation, or verified with my signature or contract. The same with XXXX, never verify with a contract that I owe them. I would like for Experian to show proof of these inaccurate account with me bonded with a contract to these accounts or any proof of lateness. I have sent them proof, and I have not received and proof in return. I shouldn't have to prove anything, they are the ones reporting, so I need to see proof of why your reporting accounts inaccurate? Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief