BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my loan was sold to XXXX Mortgage. I didn't receive any notice until after XX/XX/XXXX. I made my normal mortgage payment from out-of-town through my bank account to XXXX XXXX/XXXX  XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a letter from Freedom Mortgage that my loan was sold to them. My XX/XX/XXXX payment was forwarded to Freedom Mortgage on XX/XX/XXXX by XXXX XXXX but has not been posted to my account.

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 2021-07-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
first va was notified that I wasn't able to make payments ... I let them kno that no payments were allowed to be taken out of my account the continued to take payments out of my account unauthorized on XX/XX/XXXX for XXXX then on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX I called the local office on XX/XX/XXXX and asked for cand d mail only communication ... with local office where the manager was cursing me and hanging up on..I called corporate and turned her in and also notified them again that no authorization of payments were to come out of my account no further communication but my mail only ... abs they continued to debut my account..refused to return the funds that unauthorized and continued to call on XX/XX/XXXX, XX/XX/XXXX 2 times.. XX/XX/XXXX and XX/XX/XXXX from. local office and corporate office called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and 3 times on XX/XX/XXXX leaving messages for a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: KS
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:
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this card XX/XX/XXXX. When I applied I screenshot the offer. It was for XXXX points after spending $ XXXX. In XX/XX/XXXX I received a {$200.00} credit and XXXX points. I didn't know what it was, but assumed it was part of my offer and the rest would come later as they tell you wait 6-8 weeks for processing. I waited until XX/XX/XXXX to contact Chase in an attempt to give the rewards time. I was 1st told the offer was NOT valid when I signed up. Then I was told that because I applied while l was booking, that I was offered the XXXX points and {$200.00} credit. I have NEVER seen this offer in my life!!! And today when I called they told me that since I waited 90 days after signing up that I can't get the points. They tell you to allow time for processing, so that's what I did. They being Chase.com. My 90 days would have been app. XX/XX/XXXX. I have reviewed multiple reviews online of Chase doing this!! I think their practices are very deceptive and they should have ONE offer at a time if they are going to do things like this! I would have never signed up for an offer of XXXX points when offers are posted with more points OFTEN!! I don't want {$200.00} in credit, nor XXXX miles. I want the XXXX miles I signed up for! My screenshot wasn't enough for them, of course. There are multiple websites that show the offer when I applied. If it has happened to other customers, this is a pattern. I have read where people have complained with the CFPB before to no avail. But I felt I still had to try, because this is unacceptable!! I can go to their website today and that's not the offer! Even though that means nothing. I have messages from them stating the offer was only valid XX/XX/XXXX and XX/XX/XXXX. All of the different reasons they gave have lead me to believe this happens often with them and they are used to deflecting. I have the dated screenshot of when I applied but not sure if that'll work. 

These are just a few sites that track these deals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: CL Holdings LLC
State: OH
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:
I got letter saying XXXX XXXX was going to garnish my wages. Im single mom on welfare and I can not afford {$86.00}. Im fine with the garnishment but last time you took. {$10.00} pay out and I would be okay with that again. I am willing to pay my debt. I also was never notified about this until, my employer told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper took over for our loan servicing company in XX/XX/XXXX.Loan number XXXX.My monthly payment is XXXX per months.Now due to an error on their part they are raising the escrow required. 
They are using docs from XXXX to adjust the escrow.Instead of using docs from XXXX and XXXX. one of the docs been used in my homeowners policy which was higher in XXXX than XXXX and XXXX.I have tried to correct this with them but they refused. 
My loan is a conventional loan without any PMI osr any other requirements.Attached you will find my insurance bills from XXXX that shows premium to be {$2600.00} yr and my XXXX that shows {$2600.00} yr.I am also attaching my tax bills from XXXX and XXXX.where it shows that my taxes went up {$57.00} for XXXX which equates to {$4.00} more a month. I spoke to a rep from Mr.Cooper today XX/XX/XXXX and they couldn't explained to me why the increased on the escrow.In fact they were using docs from XXXX and wrong tax info. 
I am appalled that this outfit is allow to practice as a loan administrator/Apparently they do not know how to do math or they are just crooked. 
Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account Details Last Reported XX/XX/XXXX Collection Agency LJ ROSS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$620.00} High Balance {$620.00} Remarks Placed for collection Creditor Contact Details No contact information has been reported by this creditor. 
This is on my report with no further info as to debt or debtor

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Hello, I had my car refinanced through XX/XX/XXXXback in late XXXX. In early XXXX, a payoff check was sent by XXXX and XXXX ( new lender ) to Bridgecrest to payoff my loan. Bridgecrest received the check on XX/XX/XXXX. XXXX and XXXX noted they had the wrong amount sent on XX/XX/XXXX, so they reissued a new check with the correct amount and put a stop payment on the 1st check. Bridgecrest received the 2nd check and proceeded to sit on the check until XX/XX/XXXX when they finally attempted to cash it over a month after receipt. XXXX and XXXX sent a 3rd check that was received on XXXX XXXX by Bridgecrest. That to this day, Bridgecrest has failed to apply to my account. During this time, I was not notified that the checks weren't cashed. As I received an update on my credit report on XX/XX/XXXX. That stated my Bridgecrest account had been closed. However, on XX/XX/XXXX around XXXX, I received a call from Bridgecrest stating that they needed to speak to the new lender due to the checks having some issues and they wanted me the customer to contact the new lender for them. I obviously was unable to speak to anyone at XXXX  or XXXX  due to the time I initially received the call. I suggested to XXXX that, they normally make contact with the lenders with regards to checks and that has nothing to do with me so I advised they continue to try to contact XXXX  or XXXX. On XX/XX/XXXX, my vehicle was repossessed without warning. When I spoke to Bridgecrest they stated it was due to lack of payment, which made no sense as I hadn't been notified that my vehicle was at risk of repossession. I think made several attempts on XX/XX/XXXX and XXXX to resolve the situation with XXXX along with XXXX involved in the matter with no avail. As Bridgecrest, constantly was stalling telling me that there was no one that could verify the check being received back in XX/XX/XXXX, yet I was never given an option to speak to anyone who had knowledge on fixing the situation. I was constantly referred to having to " wait '' until a manager can resolve the issue. However, here I am 9 days since the repossession and no further along in getting a clear understanding from Bridgecrest. The only thing I'm told it's my fault to keep the account current, which has no standing since the account was closed on XX/XX/XXXX, but yet reopened by Bridgecrest. This company received a payout 3 months ago and this issue is still not resolved. Bridgecrest is without a doubt the most incompetent and fraud ridden finance company in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: VA
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 fraudulent inquiries on my equifax report. I have asked several times for the inquiries to be removed and have submitted complain with ftc # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
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: Personal information incorrect

Complaint:
Experian Report # XXXX Notices XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is a resident not no retail business as stated by Experian. Experian needs to stop putting incorrect information and creating address and false information and stop adding made up address with incorrect information. Every other few months Experian has this pattern of false. Stop creating false address for profit to sell.

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 2020-07-30
Company: EQUIFAX, INC.
State: MS
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:
In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Ocwen Financial Corporation
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Almost 10 years ago we did a short sale and sold our house in XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was our primary residence. There was a temporary law in place where a homeowner was not penalized for the debt forgiven. I received the attached document showing the identifiable event occurred on XXXX-17. Ocwen keeps harassing us every 2 years about this and now they have sent a XXXX Every two years we have to show them the debt forgiveness paperwork from the closing. The original mortgage company was XXXX XXXX XXXX XXXX and Ocwen must have bought them out. As an FYI - we also had a mortgage with them in XXXX which was paid in full and we have since sold that house and moved to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, I applied for a semester of college with XXXX. I did not choose to go ahead with attending. XXXX took my student loan money even though I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/2018 I began discussions with XXXX XXXX, Branch Manager at Huntington Bank regarding opening a Business account to service my clients in Michigan. I reached out to the XXXX XXXX Branch of Huntington bank and began discussing the type of business I own and operate along with any and all requirements we would need in order to make sure the bank was willing to accept us as a client. I answered and provided all information requested by the branch manager, treasury manager, XXXX XXXX, and community manager, XXXX XXXX who assured me that there would be no problem opening my business account provided I set up a vault service. I was advised, given pricing, and contact information regarding " Huntington Vault Service Pricing and info '' which is an armored currier service I was told by Huntington would have to be set up in order for us to have a banking relationship. At the sole direction of Huntington Bank and for NO other reason, I reached out to their contacts, signed an agreement, and set up a Vault service for my account, which costs right around {$150.00} per month. I then flew to Michigan, in order to open my bank account and begin the relationship with Huntington. Longe story short, for NO reason, Huntington decided they did not want to honor anything I was told by their representatives, they would not allow me to use the Armored currier, they also would not allow me to withdrawal the funds I needed in order to operate my business. I lost and wasted time and money being lied to by a financial institution. I had to partner with a different bank in order to continue operating my business while Huntington took ZERO responsibility for the damage they caused. They are also requesting that I continue to pay the {$150.00} per month fee I'm being charge by an armored currier service and WILL NOT compensate me or pay the fee that was initiated at there demand for banking services. I feel they owe me at least that for the time, energy, and money I have wasted and been set back due to their negligence. Another example of big banks taking advantage of small business owners and consumers alike.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today, XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with US Bank. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : US Bank Total Balance : {$1200.00}

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 2020-09-23
Company: Experian Information Solutions Inc.
State: CO
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:
I have contacted Experian and XXXX XXXX since I saw on my credit report that a credit card I have is showing as closed at XXXX request. XXXX XXXX has told me the card is open an active and does not see a problem. I contacted experian and after the dispute the status stills says closed on my credit report. They told me XXXX   XXXX  keeps sending back the account is closed when they try to reconcile the dispute. I called XXXX  XXXX  again and a customer service representative told me I requested my card to be closed in XXXX  and hen reopened later on which never happened. I have waited weeks for this to be resolved and every time I call they say they will open a ticket and someone will call me back. I never revive a call.

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 2020-06-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During Covid-19 pandemic, citibank is refusing to remove late fees, even though the business i work for us still closed and we dont have a date of opening yet. During such a hard times, Citibank doesnt care to remove fees, even though other banks removed it without me even calling them.

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