BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Hi I was trying to use xoom ( https : //www.xoom.comXXXX  ), A XXXX affiliate company to send money to XXXX. They collected all the information and then cancelled my transaction. They asked me to provide the ID Proof ( Drivers License ) and Bank Statement ( Which I did provided ). 

Date of Transaction : XX/XX/2022 Date of Document uploaded : XX/XX/2022 Date of email received about failure to receive the documentation : XX/XX/2022 However I recieved an email that they can not complete the verification. 
When I called customer service on XX/XX/2022 at XXXX XXXX EST, the customer agent told me that my statement is ending on XX/XX/2022 and they need the recent activity showing my current balance from the bank website and I will receive an email with instructions on how to provide this information. 

However I never received an email. When I contacted customer service again and asked for supervisor, he told me that they only accept Montly bank statements and will not accept my latest activity downloaded from bank as valid proof and I can only upload my next bank statement on XX/XX/XXXX and therefore they are cancelling the transaction. 

This was not what I was told on phone and despite me having sufficient money and ability to demonstrate that, they refused to process my transaction. In the process I lost money due to exchange rate fluctuation. 

I tried to reach out to both xoom and XXXX  and they told me they have no complaint departments for these type of complaints. 

My request is they disclose their policies clearly on type of document they are collecting for verification and specify that bank statement is the only one acceptable to demonstrate the balance so that consumers can make informed decision. Also the information provided by multiple xoom agent was misleading and caused additional delay for me to find alternate service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2017 Re : Mortgage account # XXXX Property XXXX XXXX XXXX, XXXX IN XXXX Dear Sirs : This is direct request that Ditech terminate the escrow account and monthly charges on the above mortgaged property. Ditech is using escrow account on listed property to gain interest free self-serving loan from customer. The Consumer Financial Protection Bureau is suing Minnesota-based XXXX XXXX Bank XXXX for allegedly " tricking consumers into costly overdraft services ''. Ditech is doing the same 'trick ' with escrow account attack to defraud home owners for 20 % increase in costs with no factual basis or need. 
On property : XXXX XXXX XXXX, XXXX, Indiana, the current escrow is $ XXXX. New escrow is $ XXXX. This change is an increase Total= $ XXXX, which results in $ XXXX increase. This is XXXX % rise in escrow cost, which adds total {$6000.00} escrow each year to cover {$5300.00} actual cost, [ Tax : XXXXHomeInsurance : {$1700.00} ]. This is an annual {$710.00} " profiteering '' interest free loan to ditech, in addition to the {$2300.00} carry forward balance before any escrow disbursement occurs. 
House insurance on this property has not changed in 10 years, and current, active policy enclosed. Mortgage property value assessment has been substantially reduced on appeal [ Enclosed ]. This will result in property tax reduction. There is no evidence of tax or hazard insurance rise or increase. 
When discussed with ditech staff on XXXX/XXXX/2017, the employee claimed : " this is your saving account. '' This is a bald face sales pitch lie, as no bank saving account pays 0.00 % interest. 
Ditech escrow manual states : " If the surplus is more than {$50.00}, we will send you a check for the surplus funds. '' This statement is in direct conflict with the claim for an unsubstantiated, meritless increase of {$92.00} per month, and the additional demand for immediate payment of & gt ; {$700.00} excess escrow monies. 
The ditech {$1400.00} escrow funds and collection attempts on mortgage account # XXXX must be terminated immediately. The {$1400.00} surplus currently in the escrow account must be paid, re-numerated, returned, to home owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
State: WI
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:
XXXX continues to not adhere to the laws set in place to protect consumers and need to be held accountable. 

I have asked on multiple occasion for your company to verify my alleged account and you have failed to do so. All I was was provided was a bunch of statements. I asked that you provide the specific methods in which you used to verify the alleged account. 

I was was sent a packet of statements as well as was told they DO NOT have a contract on file for me. No contract is grounds for deleting the account as they have no proof that I agreed to anything. And if they did have a contract, per the judgment in the XXXX XXXX XXXX XXXX XXXX, the Consumer Contract is not sufficient evidence of a debt. 

I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided me an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the cost of the alleged credit and the only evidence of the indebtedness was a computer generated agreement which you don't have.

Since adequate notice was not given as per the above-mentioned section, I couldn't understanding the meaning which is a violation under 15 USC 1602 ( k ). 

Also, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore possibly ( debt has yet to be proven mine ) made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ) According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use from which the cardholder receives no benefits.

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 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am trying to remove fraud alert and freeze placed on my credit account in yr 2000. Was given the runaround. My credit reading is XXXX. I was a victim of the XXXX health fraud scheme and was trying to remove it. I did n't answer some of their questions because some banks supply credit cards for companies, stores, etc and I do n't recognize all of them when they are read over the phone. I failed their test. When I called back in, phone system said I took too many options and hung up on me. This is after waiting 10 min initially. I have an official form letter that I am sending Transunion.

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 2019-05-11
Company: DFC Global Corp.
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:
I have received a phone call i believe beginning of XX/XX/XXXX or end of XX/XX/XXXX dont remember. It was some kind of collection agency harassing me and yelling at me trying to collect {$4700.00} for Money Mart and for some reason saying it was mine and i opened the account back in XX/XX/XXXX but yet It was never reported onto my credit report until after that phone call on XXXX XXXX and i believe XXXX as well since they report to both of those bureaus it was a woman saying she has been doing collection agencies for 15 years. Very rude and threatened me to go to court for me doing fraud with inaccurate and fraudulent information and reporting. I attatched a screenshot of what that company has reported on my XXXX XXXX. AGAIN never was reported onto my account until after the phone call and it says the account was closed XX/XX/XXXX. They have no proof of payment history. High balance is {$2500.00} but were trying to collect {$4700.00}, and as you can see somehow my last payment was XX/XX/XXXX. All of these are against the FCRA Section 609 E Please remove this inaccuracy from my report because i felt very harassed and everything is inaccurate and affecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector leaves up to 4 voicemails a day stating that there is a lawsuit against us. When contacting they demand an address and social to serve us papers. They have stated that a case number will not be assigned until the papers are served which is false and misleading tactics. They make threats to call employers 100 's of times a day to get you fired and to call family members in a similar fashion until we settle with them or the family member pays the debt. The debt they are attempting to collect on has been paid for over 9 years and the account has been closed for the same amount of time. They ignore the cease and desist and have made threats to have someone waiting for us when we get home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from XXXX XXXX XXXX stating that I owed paypal {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted PayPal support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other PayPal users are getting the same fraudulent letters from the same company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: Monterey Financial Services LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was told by the auto repair company that I was getting a line of credit with the actually repair company not a lending service, and then when they repaired my vehicle, they cracked my windshield, put no transmission fluid in my vehicle nor oil, weeks later my entire truck broke down. I informed that that I would not be paying for those services until my vehicle was repaired. My vehicle was never repaired causing me to have to junk it and now me and my XXXX kids are without transportation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016, I received a letter from Specialized Loan Servicing ( SLS ) illustrating that I was approved for a modification ; however, my mortgage payment is NOT more affordable. In fact, the payment is virtually the same. SLS also did not consider my application for the forbearance option. Moreover, SLS appears to have recorded my income incorrectly, despite a Letter of Explanation they requested and received on XX/XX/2016.

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 2015-03-26
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.

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 2022-11-09
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX 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 Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX, Experian and XXXX had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/197XXXX 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 2022-11-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have three hard Inquiries relating to JPMCB Card. Two of those inquiries were placed in the same month XX/XX/2021, and XX/XX/XXXX, XXXX do not request any credit from JPMCB at these times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: WELLS FARGO & COMPANY
State: MT
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2015-11-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Describe what happened so we can understand the issue ... 
I became delinquent with my XXXX dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation