BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, please help. To be brief, in XX/XX/XXXX I filed bankruptcy with my now ex husband and surrendered a home. BKY discharged in XX/XX/XXXX. To this date, the home has NOT yet foreclosed! After more than 7 years! This mortgage was part of that Countrywide/BOA buyout issue and the foreclosure has started and stopped many times. Currently, the case is closed, without foreclosing. The judge just this year ordered the note to go back to the mtg company, and closed the case. I have since then remarried, and have worked very hard rebuilding my credit. Even though I am not responsible for this debt anylonger due to the bankruptcy, I still can not qualify for a loan until 7 years past a foreclosed date!!! My score is over XXXX now, but due to the home not foreclosing, it has stopped me from moving on with my life, and purchsing a home with my husband. I have written nurmerous letters to the bank as well as one to the XXXX of Florida, and have been directed to you for assistance. I have seen homes foreclose within a year or so, and mine has been over 7!!! Can you please help?? The way this is going, with the case not being assigned to anyone, after being buried for years, this can continue indefinately for years and years. Please help. THIS HOME NEEDS TO FORECLOSE. Former name XXXX XXXX. I will supply documentation of surrendered home in bky pwk when contacted. Original bank was Countrywide, and BOA purchased the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Nordstrom lowered my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I found lit my credit limit was lowered when I was at the store making a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.

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 2017-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We had a fire at our home XX/XX/2017 when the insurance company processed checks for repairs they were made out to my wife and I and our lender Wells Fargo, We took them along with the XXXX estimate of repairs to our local Wells Fargo Branch to deposit them.We were told that we also needed a signed contract from our contractor so we obtained that and returned to the bank then were told that we needed to process other bank documents that were not provided to us were told we could n't get them online and yhey would have to be mailed to us by XXXX 5 days later we recieved them we filled them out went back to the bank and were told that the checks along with the documents would have to be mailed back to Ohio to be processed. The bank fedexed the documents and checks for processing three days later we returned to the bank as we were told that all the documents had n't been recieved ( they never contacted us to let us know ) the bank then faxed all the documents and were told they had been recieved and it would take at least 6 business days to process so the funds could be made available. It is now three weeks and we still do n't have access to the funds so that we can pay out contractor for repairs that need to be done so that we can get back in our home.

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 2021-03-17
Company: CITIBANK, N.A.
State: NY
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:
Citi closed my credit card account without warning. When I used their chat feature to ask why, they said I needed to call in. When I called in, they refused to tell me why my account was closed outside of a letter they sent me. That letter was not available online and they have my old address, so its possible I may not get the letter. This hurt my credit as well.

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 2015-06-09
Company: Mid-Atlantic Consumer Services
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They called my home phone ( calling from XXXX ) stating that were calling on for XXXX ( which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and I do n't even know where that is ) and that they were MACS regarding a 'check protects claim. ' If I did n't handle this immediately, that it would affect my bank and banking. I was instructed to call XXXX. I work in credit and collections and would NEVER consider this a valid claim as I have NEVER received any physical correspondence relative to any debt due and owing a hospital or otherwise. 
I used XXXX and called back XXXX and got a strange tape recorded message stating that the number was n't in service. I then called XXXX and when I asked them what the call was about and mentioned the FDCPA, they guy on the other end stated, " He did n't care about whatever the FDCPA-was I was talking about. " I work in credit and collections and strongly view this manner of debt collection as improper and negligent, not to mention downright unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Victoria Secret lowered my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted the company several times in the past regarding the inaccurate reporting of the mortgage loan on my credit report and the claim there is noting they can do because I filed bankruptcy and they can not report after that date even though the loan is still open and being paid on. How it is being reported on my credit report needs to be corrected somehow to reflect accurately! 

It is beginning to negatively affect me. I recently had credit denied XX/XX/20 because, " Lack of real estate secured loan information ''. The account information has an incorrect balance, missing payment amount, the account status is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company charges additional fees and cost ( inspection fees ), hold payments to make them late so that they can charge late fees. And then changes amount owes monthly so alway something new or different. Have tried for two plus years to get this fixed. Still not done and a very difficult company. This company then wanted to report this incorrect information to the credit Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATLCRSYS is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX have sent disputes to Equifax on XXXX in regards to collections accounts on my credit report thats still showing due to identity theft I have sent it proper documentation each which is a ftc identity theft report along with social and id they still have yet to remove these collections from credit report despite me sending proper documentation that I am victim of identity theft they arent properly investigating this and should be removed from credit report because I am victim and they have yet to do so and still is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: TX
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:
See attached documents. I want you to remove this inquiry as this is not authorize as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2022 I bought a netspend card at XXXX XXXX because I needed to pay a bill and the customer service desk was closed and i couldnt load my own card! I loaded {$500.00} on the card and when I tried to activate it they said the card could not be activated and there was no way to recover funds from it! They stole {$500.00} from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT DEMOCRAT COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX BANK. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON

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 2023-04-11
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2021-03-21
Company: BAM Management US Holdings Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX is the ticket number with Binance.US I have been doing a little bit of business with them and did two deposits of {$35.00} and one for {$100.00} towards the end of XXXX. On XX/XX/XXXX I reached out to them as the deposits had not come out of my bank account. They responded with just an auto response and I told them it was not fixed. I did not hear anything back from them and tried to move some of my coins in early XXXX and noticed my account was XXXX. 
My bank account always has way more then {$130.00} in it to cover the transactions. Something happened on their end that caused the issue and they wont fix it leaving me and a lot of others in complete limbo without access to my funds. I have no problem settling up with them but they completely ignore the customer at this point. I have asked for help via e-mail, twitter and even through a survey function without a response from an actual person. They have no phone number to call either. Binance.US seems to be a corrupt organization or they just have no idea how to help someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Conn's, Inc.
State: TX
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:
FRCA Violation personal loans CONN APPLIANCES INC FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.

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 2021-03-17
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage performed an escrow analysis dated XX/XX/2021 with incorrect information. As a result my annual property taxes were increased from {$7700.00} to {$9600.00} with no documentation to support the increase in property taxes. In turn my monthly mortgage payment went up nearly $ XXXX/month A letter from Dovenmuehle was received on XX/XX/2021, 3 weeks after it was initially performed. There was no notification through their online servicing portal that any changes were being made to the loan, taxes, or payment. 

Upon receiving the escrow analysis on XX/XX/2021 I immediately reached out to Dovenmuehle with the contact information provided on the letter received. I was instructed to send an email to " XXXX with my loan number in the subject line and attn tax department '' with any information regarding the errors. 

An email was sent on XX/XX/2021 with an official city tax bill, 24 month chain of title, initial escrow account disclosure statement, and tax record information sheet from closing. All 4 documents have the correct tax information, tax parcel number, and legal description. After sending in the corresponding documentation I was told that the tax discrepancy would be resolved by XX/XX/2021. 

On XX/XX/2021 my regular scheduled mortgage payment was made with the overcharged amount of {$2100.00}, when normally {$1900.00} is min payment. 

I followed up on XX/XX/2021 via phone using the same number that was provided on the analysis statement. The information was still incorrect and at this point a separate case was opened up for the same issue with a further deadline date of XX/XX/2021. I was given no information on why my original request was not completed and why now a new request was opened in lieu of my original. i can only assume that Dovenmuehle missed their deadline and are now creating a new request to extend the already passed deadline to protect themselves On XX/XX/2021 I received an email from XXXX XXXX " XXXX '' with '' XXXX XXXX XXXX '' cc 'd on the email. indicating XXXX would be my main point of contact and he is the resolution specialist handing my tax issue. 

XXXX XXXX is telling me that following up could be hindering the process of getting my tax information corrected. To me as a consumer this response comes off retaliatory all because I am trying to stop being overcharged for my annual taxes and monthly mortgage payment. 

I have followed up multiple times and there has been no movement with my issue, it has been nearly 60 days since the incorrect escrow analysis has been performed. 30 days since all the documentation to correct was sent to Dovenmuehle Mortgage. As a result Dovenmuehle is systematically overcharging me on my mortgage nearly {$160.00} with no accountability or timetable to correct.

Company response to consumer: Closed with explanation