BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report through XXXX XXXX XXXX   XXXX  to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.

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 2017-02-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working in getting a loan modification for over a year with Bay view. Going back and forth on getting documents to them with no responses from the Specialist they say are designated to my file. Recently, they asked for a documents ( a P & L ) which was provided to them within hours. I called to confirm receipt with the Asset Manager XXXX XXXX and unfortunately he was not available. Another Rude Representative within his department XXXX XXXX, took the call. When i asked whether they had received the document she said i had to speak with XXXX XXXX and rudely and adamantly advised that i was wasting my time and the sale date of XXXX/XXXX/17 would not be stopped. When i asked her why, she just went on to say that because we provided the documents were provide 7 days prior to a sale date.. She even verified in her system that the documents were requested on XXXX/XXXX/17 and they were provided the same day. How can they do such a thing and pull my home from under me in that way? Request documents and then say no we cant help you? I need your help! I have a sale date approaching XXXX/XXXX/17 next week Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX. I have XXXX children and a XXXX wife. Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX filed bankruptcy and did something to my property. I escalated to HUD, and HUD asked me to contact FTC to file IDTheft, and also HUD asked me to contact the Federal Reserve with a reference number XXXX. Federal reserve directed me to consumer finance as Third Federal is associated with Consumer Finance. 

My home is under protection because of my case against XXXX. Third Federal Savings and Loan located at XXXX XXXX XXXX, XXXX, OH XXXX has provided me a six-month forbearance of no payment from XX/XX/XXXX thru XXXX XXXX, and I receive Third federal statement every month. Now, Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX did something to my property Every minute we are worried about our home and my children can not focus on studies. Please help us recover my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking  law.

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 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, XXXX AND TRANSUNION ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..

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 2016-12-09
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an unverified account from HWARFIELD. I had previously disputed this account. I have never done business with HWARFIELD. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HWARFIELD Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HWARFIELD Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I havent received my payroll deposit that should have been deposited at XXXX XXXX today Tuesday XX/XX/2018 due to another vendor of American Express which has been being dealt with since Friday morning. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : 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 2018-02-25
Company: Experian Information Solutions Inc.
State: CA
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:
There are many mistakes appear in my report without my understanding.

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 2018-05-14
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:
First of all, I've had a chase credit card for 10 years never been late. I noticed that Chase would not let me open a bank account and practice discriminatory practices against me. My mothers maiden name is XXXX. They lowered my credit limit They refuse to extend any credit more limit, denied several times over 10 years. Credit has been in good standing. I believe they do practice discrimination. 
I have had XXXX balance for the past 3 years. Always paid on time. Always get a fraud call every time I add a family member or student as an authorized user. Bad experience. I am wondering if they treat all their long time customers the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Complaint Bank of America charges Charged me {$5.00} a month since XX/XX/2016. 

1. I don't receive any notice about {$5.00} maintenance fee but charged me 2 years. I thought this account has closed until I saw I have negative balance this morning. 

2. The original banker said she can give me 3 months refund. But I told her I want to request all refund since I really don't know. Her manager XXXX XXXX said not refund to me. He knew I am angry and just gave me one month refund. From our conversation, I have totally got discriminated seriously from him and NOT EQUAL OPPORTUNITY to all customers.. 

3. They said they gave me service, but I even can't see the statement online. 


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 monetary relief
Consumer complaint received 2020-11-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked for a modification in 2017 and they forced me to sign one that raised my mortgage Payment from XXXX to XXXX and extended it 16 years an i have been paying on it yet my principle never moved from the original amount. The pa attorney general took them to court yet they never helped me even when i complained about it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: United Student Aid (USA) Funds
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My tax return was seized for my deceased wifes debt. I took corrective actions on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a refund from XXXX. I provided all the documentation that they needed in order to issue a refund and Ive called every two weeks to get the same response of youll have to wait we are over capacity of dealing out refunds it could take another 60 to 120 days to receive your refund Im sorry but I have no information for you at this time. Are things that Ive heard consistently. All im warning is to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TRANSUNION has made an error since XX/XX/XXXX until XX/XX/XXXX by reporting my XXXX XXXX  " 30 '' days late for 5 months now. However its still shows " payed as agreed ''. 

in addtion XXXX and XXXX show current ( see attached ). 

ive contacted TRANSUNION with no success.

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 2017-09-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a few different store cards and had them for a long time.. had some financial problems and my credit score lowered.. XXXX XXXX closed my account.. I was making my payments.. I 'm just st waiting on you to close the others. I think it 's so unfair.. The XXXX store and now you have just closed my lowes card.. lowered credit line at XXXX XXXX.. 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 2018-12-13
Company: LEXISNEXIS
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, columbus , XXXX. 
Please remove the following numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit report shows hat the account was in arrears on XX/XX/XXXX to XX/XX/XXXX, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.

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 2020-11-16
Company: DISCOVER BANK
State: CA
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:
On XX/XX/2019, DISCOVER BANK add a hard inquiriy on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I Sent a Validation letter via certified mail to CMRE Financial Services , Inc. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX and they received it XX/XX/2021. They failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, I sent some letters to s.o.s group dba head mercantile co about some alleged debts of XXXX, and XXXX that I don't owe. i request the validity of the alleged debts and as of XX/XX/2021, they haven't responded to my request. SOS GROUP sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter on XX/XX/2021 requesting the validity of the alleged debts of XXXX, and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOS GROUP has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days. As you can see the date was XXXX and today is XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield, INC XXXX XXXX at XXXX {$6500.00}. 

I was under a lease at XXXX XXXX XXXX in XXXX, Texas. I have never lived in XXXX. I was XXXX at the time. I have disputed for the past 4 years No one can show me proof that I have lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became XXXX unable to make the full amount of my mortgage payment ton XXXX I was not assisted with any loss mitigation application.The mortgage went into foreclosure XX/XX/XXXX. The attorney said, I was served a Notice of Foreclosure Intervention. I was not severed a notice. I applied for a short sale and sent all requested information. I was not denied or accepted. The mortgage was sold while in the process of evaluation for the short sale. The mortgage was brought on XX/XX/XXXX by Caliber Homes as server XXXX as owner. They failed to assist me with a loss mitigation program until XX/XX/XXXX when the mortgage went into final foreclosure. Now they have added {$9000.00} in interest {$45000.00} in attorney 's fees to total {$250000.00}. They want me to pay that as a loss mitigation. I know I am unable to qualify for this loan. The Judge have approved these figures. I have until XX/XX/XXXX to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
What happened - 1 ) On XX/XX/XXXX Bank Of America closed my {$9000.00} line of credit cards without notifying me and my credit score was dropped by 41 points because of that. I have that credit card since 2015 without ever being late and always have my auto pay set up from bank of america checking account. Amount due was only {$180.00} where as I have a balance in my checking account {$70000.00} + 2 ) On XX/XX/XXXX Bank of America reported 30 days late on my credit report and my credit score dropped by another 45 points because of the reporting. Because of their own glitch in the system due to Covid-19 and high volume of traffic they could not process the payment even though I had auto pay set up. 
What I did - Since XX/XX/XXXX I have been trying to get hold of BOA over the phone to let them know I might delay my payment because of pandemic. After continuous 2 weeks of trying nobody answer the phone over two hours of waiting and automated message. Finally I got through by email in 1st week of XXXX and they have accepted my request and even after accepting request they have reported late in my credit report and closed the credit card??? By doing so they have ruined credit and now I can't get my house refinanced!!!

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 2020-05-12
Company: EQUIFAX, INC.
State: GA
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 found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation