BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-02
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have several ongoing issues with Chase Bank ( JP Morgan Chase ). 
1. Since the bank has account maintenance fees and fails to honor the types of deposits made into my account. I was forced to close my savings account. I do not have a credit card linked to the account either. I do not have any type of overdraft account. Therefore, I opted out of automatic withdrawals when the account has insufficient funds to complete transactions. Yet, they still proceed to withdrawal funds from an account that does not have sufficient funds nor overdraft accounts to cover an item and the charge non-sufficient funds fees. 
2. I have XXXX types of direct deposits as XXXX XXXX banking customer which deposit more than the required amount per month to avoid monthly account maintenance fees. 
a. The first is a weekly transfer from XXXX. I have XXXX clients who pays me strictly via XXXX and refuse to establish a direct deposit with banking institutions because they are not willing to pay astronomical fees to the banks. 
b. The second deposit made twice per month on average comes from a client who pays via Chase Banks ( JP Morgan Chase ) in-house Quick Collect system. 
I have addressed these concern with bank officials ( whom I met with inside the branch and spoken with over the phone ), on many occasions. They refuse to come up with a permanent solution to this issue. 
I feel they are determined to discriminate against those of us who are XXXX XXXX, women, XXXX XXXX owners, senior citizens, XXXX, lower economic class, and poverty level customers by taking advantage of the socially disadvantage/underserved population. We need local banking institutions as well. But they make a considerable amount of fees because they constantly penalize us for being in those categories. 
Also, I use to get a free bank check every month. In XXXX, they no longer offer that service. Seems like they 're retaliating because I have been vocal about discriminatory banking practices. The officials at JP Morgan Chase have told me that I can take my business to other banks if I do not like their policies. I felt disregarded as a customer. They have a valid point. However, the only reason I continue banking with them is to accommodate my client. Because I appreciate the business that is given to me. It 's unfortunate the JP Morgan Chase devalues customers of lower social and economic levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been filing a debt owed through XXXX. I have contacted them multiple times to dispute the debt, everytime they have attempted to contact me I have answered the phone to a dead line which then hangs up on me. 

They are making fraudulent attempts to contact me after I have disputed the debt and continue to claim I owe them when I do not. I have disputed these claims and no effort has been made to establish truth ; only that they continue to pin a debt on me I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently pulled my updated credit report and found out that they still reporting the XXXX accounts that I have been disputing since months ago. These frivolous accounts are not mine and I need them to be remove from my EXPERIAN file. I am trying to reach out the CFPB now because I do not understand how and why EXPERIAN do not remove these disputed accounts, That's my big concern. I am Attaching a copy of my most recent Identity Theft Package, that I submitted to EXPERIAN a few days ago. The following accounts do not belong to me : XXXX XXXX ( XXXX ), and 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 2017-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Closed on home loan with Wells Fargo XXXX XXXX. Received notice from them late XXXX XXXX stating we owed XXXX in back escrow, and our payment was increasing XXXX/month if we can not pay the back tax and it posts before the XXXX XXXX payment. We asked about the calculation at closing ; the Wells representative was there, and said the payment amount was n't exact, but it was close, within {$100.00}. XXXX or so, so we signed the documents and closed, expecting a modest increase. 
Now we are forced to pay the above amount or have the loan amount increase considerably.

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 2016-08-25
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
they keep on harrassing for debt i do n't owe and threating me I have no business relationship with them I asked them for validation of debt they keep on harrassing me non stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid a mortgage off in full on XX/XX/2021. 
Address : XXXX XXXX XXXX XXXX # XXXX To date, XX/XX/2021, the mortgage servicing company has not filed the cancellation of Security deeds. ( SHELLPOINT MORTGAGE SERVICING ) This means that I do not have clear title to the property. 

I am trying to sell this property and have an all cash buyer. 
The closing date was scheduled for XX/XX/2021. 

However, I have been unable to close on the property because the mortgage servicing company will not file the cancellation of security deeds I have tried on numerous occasions to contact the company. 

The mortgage servicing company, SHELLPOINT MORTGAGE SERVICING COMPANY, has been non responsive to emails and telephone calls from me, as well as emails and telephone calls from the closing attorney who is handling the sale of my property,,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/XXXX i mailed and digitally submitted the XXXX bueras  my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX  days since. they are breaking the law please do something

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 2015-11-30
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i order a XXXX on line which the site said ebay and that i can pay with my pay pal account and that my order is protect. on XXXX/XXXX/2015 i get an email from XXXX saying my package was delivered as XXXX so i get home around XXXX and i see no package so i called XXXX and they said the package was passed off to United State Post Office and that they received an email from the post office that the package was delivered. So i called the post office and they tell me the package was left on the front pouch and i told them there was no package left i told them i went back to my camera that i have outside of my house and it do not show anyone coming in my from gate at the time they said the package was delivered so they open an investagation and gave me a claim number and said some will call me within XXXX hours. witch they did n't it was more like 5 days when i received a call back and the rep. just told me the same thing i had on my compliant form that the package was delivered on XXXX/XXXX/2015 at XXXX i told him this is the same information i put on my compliant tell me something else. I asked the rep. if he spoke with the person that said they delivered the package and he said no i said why not he said they might not remember i told him that 's not an answer he said he would checked with the person and get back with me. a few days went by and i call the post office back and they told me my case was closed i said the rep. i talk to was going to check and get back to me. so i open another case with the same complaint and they told me the same thing. no one did anything about this and i want to know why. right now im out XXXX and my son son do n't have his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Southwest Credit Systems, L.P.
State: FL
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:
We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed. 
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund. 
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction. 
Enclosed is a copy of the bill from XXXX/XXXX/2011. 
Many phone calls were made to them with to no avail. We gave up. 
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems. 
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file.

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 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have contacted XXXX about XXXX inquires on my Transunion credit report on XXXX XXXX. I was told that they would contact Transunion removing the fraudulent inquiries. They have not. Then when I contacted them again, they directed me to Transunion in which they directed me back to XXXX. I am entitled to have these fraudulent inquiries removed XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015

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 2021-11-24
Company: Bread Financial Holdings, Inc.
State: GA
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect an alleged debt for PAYPAL from 2015. 
my PAYPAL account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.

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 2016-03-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem.

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 2016-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo response still does n't address my mortgage delinquency. This lender is not trust worthy or ethical and they tried to illegally foreclose on my property and I caught them. I have been trying to get Wells Fargo to do the right thing since XXXX 2015 asking them for a loan modification. They will absolutely not do it and have denied me and my family 6 times. My property has a good amount of equity and Wells Fargo continues to play serious hard ball denying me on every turn I take to get mortgage assistance. This huge bank is just not in the business of helping certain home owners. They want me to take all the responsibility for {$49000.00} behind payments. I would not be behind this far if Wells Fargo simply did n't lie during all the loan reviews and would just start taking payments to stop the bleeding. They continue to refuse me paying toward my mortgage. I signed a promissory to pay back what I borrowed even if I am delinquent. If Wells Fargo continue to deny my loan mod request then why do n't they at least allow me to make payments to keep the balance down. Wells Fargo wants to keep the fees and balance growing so its nearly impossible for me to ever catch up. I have been very transparent with Wells Fargo but their reps continue to ignore me and laugh in my face. The are the most brutal lender I have ever seen to work with. My last denial said I made enough and could afford the payment. Yes I can afford the payment so therefore I deserve the right to stay in my home with my family. My wife and I have a XXXX XXXX XXXX girl for XXXX 's sake!! We do not have the ability to come up with the $ XXXX over night. My wife and I had some terrible family hardship, loosing a child, that led to the delinquency. How can any normal lender with compassion not wan na help a family who lost a child. Do they believe in XXXX karma and have a conscious? I need some type of plan or assistance from Wells Fargo. But they wo n't do it because they want my equity in my house through foreclosure. They will not say this but its true. If my home was under water in a bad market, a loan modification would be granted immediately. Wells Fargo has fought me tooth and nail like a heavy weight fighter. I just recently sent over my appeal request with a change in income circumstances. I have a new job with XXXX XXXX and I 'm eager to start making payments. I am hoping this appeal will get me a loan modification approval and a trail payment plan. I would like a phone call from the CEO or the head of mortgage lending to resolve this delinquency ASAP. 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 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a zero balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 3rd complaint Ive been dealing with this for the past year 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