BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: CITIZENS FINANCIAL GROUP, 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: Old information reappears or never goes away

Complaint:
I am disputing a charge of {$320.00} from Citizens Bank for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from Citizens Bank dating back to XXXX which appears on my XXXX Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX  Certification process and can not complete the process because of an inability to have Citizens Bank clear this from XXXX. I called Citizens Bank and was transferred to Citizens Bank collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with Citizens Bank for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, Citizens Bank claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from XXXX XXXX Without deletion, this report on XXXX prevents me from certifying my business with New York State. An inability to complete my NYS certification keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/22 sent to US bank along with multiple calls to relationship manager and loss mitigation. They are refusing to reverse my forbearance deferral that I have not paid on yet. This makes me ineligible for assistance funds from the state of XXXX 

Hello Please forward this to your loss mitigation and /or complaint department ASAP. I am requesting to cancel my deferral agreement and pay my mortgage forbearance back in a lump sum. The agreement has not went into effect yet as I have not made the XXXX payment when the plan starts. I called yesterday and spoke with someone who was not able to help me so this needs to be escalated. It is in the best interest of US Bank to accept a lump sum payment so it is does not make sense you could not make this happen. Please respond to this immediately as I need to arrange the funds to transfer. 

Loan number XXXX Borrowers : XXXX XXXX and XXXX XXXX ( XXXX XXXX  XXXX ) After denied assistance through XXXX, I filed an appeal and have yet to hear back. XXXX is the last month I can get forbearance assistance on because I reapplied. Here is the appeal I sent to XXXX The deferral agreement I submitted does not go into effect until XXXX. I have notified US Bank to cancel the forbearance deferral and accept the lump sum payment that is past due as of now. I was unaware that applying for a deferral agreement would not make me eligible for this program, but my family really needs this assistance. We are a family of XXXX living on a single income and are the type of household these COVID funds were supposed to help. I have included the latest statement on my mortgage with the appeal they had the past due amount. Please expedite as US bank must receive the funds before my due date to avoid credit reporting and late fees as I am already at the maximum amount of months allowed for COVID forbearance.

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 2022-02-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I received the following fake receipt for a large expenditure. I took no action but the company, PayPal, may want to know these fake invoices are being sent to me on a regular basis. Thank you. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: SC
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:
Equifax was compromised earlier this year and did not release any information regarding this " hack '' to myself or through any mediums accessible by myself. They have contacted me several times in the past, showing they have both my phone number and current email address, however no notification was received. 

After the first false claim on my credit report, I started using XXXX XXXX Identity Protection, however this has not seemed to stop any of the repeated claims on my credit report, most attributed to property, rentals, and two credit cards being issued in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is crazy Im a victim of identity theft and never applied or had any accounts cards with them I recently got declined for my Marriott card because of account closure but I never applied for that account its not fair how they are very bad Customerr seevice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After completing a loan forbearance under the CARES Act in XX/XX/2021, I was placed in a VA Streamline Covid19 Disaster Modification repayment in which I have been on time each month. However, Homebridge Financial is negatively reporting my payments citing that once the initial prequalification is completed ( 3 months ) then they will remove the negative reporting to my credit. This does not make any sense and I never signed anything agreeing to such a crazy process. I feel that I am being discriminated against and I need your help to resolve this issue and make whole the credit reporting issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A scammer induced me to XXXX money by pretending to be our electric utility company. After I realized the scam I called my Bank and XXXX. Both refuse to help. The Bank has identified a bank account associated with the scammer but can not /will not refund the money or give me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I applied for personnel loan to consolidate bills online. got text to call PNC bank at ( XXXX ) XXXX to get verification, wanted las5t four of social and hung up. Called back and when different person answered I asked if this was PNC and the lady hung up. I believe this is a scam to get peoples info. Check this out please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are receiving calls daily from a company called, Pioneer Credit Recovery.
Their number is XXXX. I finally called them because they would not stop calling. The recorded message sounded shady so we never called the number until we finally had enough. I spoke with someone named XXXX. He asked me if the number I was calling from was this number. Then mention me by my first name, but then asked me for my name. I asked him why he did n't know my name since he knew my first name. He then said they we were listed as a possible landline number linked to a person that we have never heard of. They 're look to collect for her apparently. I told him to take us off of their call list, and if they continue I would report it to the FCC, ( not being sure which federal agency would be able to help me ).
He, ( XXXX ), then accused me of threatening him by saying that I would report his company to the authorities, FCC or now FTA. Through additional searches on the internet I found many other who have been wrongfully contacted by this company. This to me is unscrupulous and probably illegal. I do n't want to receive these calls anymore. I have no debt other than my Truck payment, which I am way ahead of. Can you please help me and the other like 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 2022-07-08
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:
Hi, I summited a complaint to your office XX/XX/2021 complaint # XXXX To this date, my actual credit report with Transunion in reference to XXXX XXXX  XXXX XXXX XXXX continues to show a bad payment history. XXXXXXXX XXXX says they fixed the problem 7 months ago. But this is not true, as my XXXX Credit Report with a negative and orverdue payment history. My Transunion dispute # XXXX. Please Help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Consumer complaint received 2022-02-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have four loans with Navient. I called Navient on XX/XX/22 to pay off one of the loans of {$1800.00} and specifically stated which loan. The representative on the line said the loan was paid off and that I would get a letter about it. 

I checked today and the payment was distributed across all four loans. Meaning I still have a balance and on the loan I thought was paid off and Navient is still collecting interest on a loan that should be paid. 

The representative said they would put in a request reallocate the money to the appropriate loan but since there is a balance, I am responsible for the accruing interest even though the mistake on was their end. 

This is a really bad practice to continue accruing interest and keeping people locked into high interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, my concern is my refinance mortgage in XX/XX/XXXX. My old conventional loan was with UWM, and my new refinanced conventional loan is with UWM. I used the same loan officer, and broker both times. My refi closed, funded, and disbursed on XX/XX/XXXX with a payoff for my old UWM loan good through XX/XX/XXXX. On XX/XX/XXXX UWM notified my escrow officer that we were XXXX dollars short on the payoff. That would be impossible, the payoff was good through XX/XX/XXXX. She sent another wire with that extra included. Then on XX/XX/XXXX UWM again sent another request stating that the payoff was short XXXX dollars. So the new payoff was good through XX/XX/XXXX and covered interest for the month of XXXX that I already paid with the funding of my new loan. So, reluctantly, I wired the shortage to title, and they sent the new wire out. So, in the end, I have double paid interest on an error with UWM 's servicing department. That is highly unethical, and illegal. I understand their servicing department has no idea what they are doing, however I want my money back, and money for the headache and hassle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: Nelnet, 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: Account information incorrect

Complaint:
XX/XX/XXXX and XX/XX/XXXX, loan amount was incorrectly reported. I have documentation showing a drastic increase in which the company did not provide any updates in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hey, hope life treating you wonderfully. Anyways XXXX, TransUnion and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. 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 2022-02-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicing agent prior to XX/XX/2021 was with XXXX XXXX XXXX  XXXX. XXXX XXXX sold/transferred the servicing agent to PHH. We have NEVER missed a mortgage payment, and never been late with a mortgage payment in the 15 plus years we've been in this house. 

PHH continues to send out payment coupons that show TWICE the monthly amount of payment due, despite the fact that payments were never missed either before, during, or after the transfer to the new servicing agent. 

I have provided PHH on at least XXXX different occasions proof that all payments have been made, and that they need to correct their records to reflect that fact. Nevertheless, PHH continues to send out payment due coupons with twice the monthly mortgage amount due. This is not a problem of my making, and the evidence of on time payment is irrefutable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check with amount of {$970000.00} into my Wells Fargo checking account on XXXX. The check was issued from my XXXX account. The money had already been deducted from my XXXX account on XXXX. But Wells Fargo informed me that they 'll hold the majority of the money until XXXX. I wo n't be able to access the fund for another 8 days. When I called them and ask why they hold the money for that long, they told me the money is at the XXXX XXXX XXXX for clearing. My feeling is that they already got the money and try to earn some free interest on the fund. It 's the bank 's greedy to prey on their customers.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TN
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, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXXXXXX XXXX : ACCOUNT # XXXX & XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me, XXXX XXXX then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX., unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hoursXXXX XXXX XXXX  The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California 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 2022-10-03
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late Credit Acceptance and this account has been closed since 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 2019-11-26
Company: Experian Information Solutions Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was in the bankruptcy in 2016, it needs to go away now

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