BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was a victim of fraud in the form of a check kiting scam. Bank of America was aware of what was happening to me as I was calling them at every stage of the con for guidance. Each time they assured me I would be protected should I cash a fraudulent check. After I completed a cashiers check and sent it to the fraudster my personal checking account was charged for the amount of the check. Before depositing the check, the bank Manager at the BOA of XXXX called to verify the account and the amount of the check. I called Bank of America in their fraud department, I filed a police report with the Police department of XXXX, NJ. I went into the branch that cashed the check for me they told me there was nothing they can do. I paid the XXXX balances and closed the account. I would like a partial refund and damages for the stress and aggravation this situation caused 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 2016-02-01
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is not reported accurately. Texas state law statue of limitations starts on the day the last payment on the account was made. Referred to as the DLA. The information just reported to the credit bureaus is not correct The DLA is over 6 years old. The Texas statute of limitations is 4 years. Civil Practice & Remedies Code - Chapter 16, Section 004. The debt is outside the 4 year statute of limitations, and I am not liable for this debt. JH Capital Group Acct : XXXX File # XXXX is inaccurately representing this account and is in violation of Texas State Law and I am not liable for this debt. I request their information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my debit card was charged {$100.00} by a scammer through XXXX. I filed a complaint with XXXX and they claimed it wasn't anything they could do and to Follow up with my bank. I filed a dispute with Chime Bank and they told me that they will open an investigation. NO ONE called me to ask what happened or even an email. However, today I was informed my case was closed because the investigation wad completed. How? How do you complete a case without ALL THE INFORMATION? I reported it MINUTES after it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our mortgage in order to switch from an ARM to a fixed. We were given paperwork showing that our new mortgage company would be XXXX XXXX XXXX XXXX XXXX Mortgage and that our first payment was due on XXXX/XXXX/2015. We used an ACH transaction to pay the first payment on XXXX/XXXX/2015. We have documentation from our bank, XXXX XXXX XXXX, that the transaction was sent and that XXXX Mortgage received it. 

On XXXX we received a letter from Shellpoint Mortgage stating that they now owned our mortgage effective XXXX/XXXX/2015. This was 17 days after we sent our first payment. They advised us to not send the XXXX payment to XXXX and to send it to Shellpoint. The payment we sent does n't show on either company 's website for our account. We 've called both companies to try to get the payment corrected but unfortunately, neither company will assist us in this process. When we call XXXX they tell us that the request to transfer the funds must come from Shellpoint. When we call Shellpoint, they tell us that we must call XXXX and arrange the transfer ourselves. after numerous calls to each entity, we keep getting shuffled back to the opposite entity. 

In the meantime, we are currently listed as late for our XXXX payment and have no way of retrieving the funds from XXXX so that we can pay Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe that Shellpoint Mortgage Company has violated a code of ethics. They have collected overpayment from my mortgage payments and can not provide a specific answer as to where the funds have gone and why my balance remained the same despite catching up my payments. Also, they charged a fee of {$350.00} for a loan modification application which was not even reviewed due to supposed missing pieces of information. At no point was I made aware that there was a fee for applying for a modification. If I need loan assistance it seems underhanded to charge an excessive fee on top of what is already owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover Credit Account was closed on Wednesday XX/XX/XXXXXXXX due to unable to verify personal information. Ive never had a problem with Discover and never was asked to verify anything. I received no heads up of any sort. No phone call, letter, email, nothing and my account was closed due to not being able to verify my personal information. Again I received no heads about anything involving my personal information. The company basically confirmed that my account closed and nothing can be done. Im extremely disappointed with the lack of communication. Also it reflects on my credit report in a negative way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: PA
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 writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2018-11-30
Company: DISCOVER BANK
State: TN
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: Problem with personal statement of dispute

Complaint:
Made multiple attempts to find a payment plan and reduce interest rates. Discover was no help in this effort. Could not meet minimum payments while my hours were cut and turned over to collections. I am looking to only improve my credit score. I do not wish to get another credit card or do not need any loans. I have children and the future is uncertain. Trying to build credit for any unforeseen instances in the future. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I spoke to Chase Auto Finance at the end of my lease. They told me to expect a letter from XXXX within 60 - 90 days regarding the final balance for my lease. I received a non-certified letter from Chase Auto Finance on XX/XX/XXXX ( nowhere was it marked from XXXX ) dated XX/XX/XXXX for the deficiency balance at the end of my lease. The letter says " Please pay this amount upon receipt of this letter. '' - without giving a valid due date. Based on this, my assumption was that the due date was from my receipt of the letter, XX/XX/XXXX. 

I wrote a check and sent it to the address it listed. The check was either lost in the mail or misplaced by Chase Auto Finance. Chase Auto Finance is unable to confirm or deny mishandling my check. 

Chase placed a 30 day late payment notice on my credit report on XX/XX/XXXX, 27 days after my receipt of their letter. I called on XX/XX/XXXX and spoke to a Supervisor, XXXX, employee ID XXXX, who said that " as much as I agree with you '' that he can not change what has been reported. I requested that they remove the 30 day late notice as I contend I am only 28 days late and they would not remove it. I made the payment in full of {$2700.00} with XXXX, employee ID XXXX. 

I contend that based on their wording, " Please pay this amount upon receipt of this letter '' means that the due date is my receipt of the letter. I made an attempt to pay promptly which was lost along the way, then paid the amount due 28 days after my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has the debt on my credit report as well as my twin brothers credit report. They think we I am Using an alias. The debt is not mines or his. The company wants us to pay them {$410.00} for the debt. It was first reported on my account when I noticed I was a victim of identity theft in XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. I purchased residential property at XXXX XXXX XXXX, XXXX, Georgia, XXXX on XXXX for $ XXXX 2. I did 10 % down payment and paid {$15000.00} by Cashier 's Check. 3. I was asked to pay Private Mortgage Insurance {$77.00} every month as I paid only 10 % down payment. I was given Private Mortgage Insurance - Initial Disclosure where in it states that when the principal loan amount is to reach 78 % of the Original value of the property, Automatic Termination of PMI would terminate. 4. The Amortization Schedule was given and when the Principal Balance reaches to {$110000.00}, this balance will be reaching 78 % and automatically PMI terminates. 5. Loan was modified by XXXX XXXX XXXX XXXX, and the additional agreement states under section D that all the terms and provisions of the Loan Documents remain in full force and effect. 6. On XX/XX/XXXX, my loan servicing was transferred to Nationstar Mortgage LLC and I was informed that nothing else about the mortgage loan will change. 7. Nationstar Mortgage on XX/XX/XXXX sent a Mortgage Insurance Annual Disclosure, stating that PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. 8. I reached 78 % of the original value of the property on XX/XX/XXXX. 9. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX that my property purchase price is {$150000.00} and the appraisal is {$150000.00} and my LTV is 77.67 % and automatic termination of the PMI would be XX/XX/XXXX. 10. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX confirmed after reviewing the PMI Disclosure, the PMI will automatically terminate on XX/XX/XXXX. 11. XXXX Court reference to similar situation is referred that Mortage Companny can not calculate the PMI automatic termination date on the updated property value which in this case Nationstar Mortgage LLC., has taken the $ XXXX the transferred balance loan amount from XXXX XXXX XXXX XXXX , as property value. A huge mistake Nationstar Mortgage has done. Where as XXXX Courts say that the original value of the property only to be taken. I want Nationstar Mortgage LLC., to refund the excess PMI collected from me. My Nationstar Loan A/c No. is XXXX. Thanking you, Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter from Ditech stating my mortgage was transferred to XXXX XXXX XXXX. This after all requested paperwork for a modification had been XXXX to the loss mitigation department of XXXX XXXX 2017. This is the second time this year my mortgage has been sold while in the modification process and the process not completed. Now what will happen?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Midwestern Health Management INC
State: MO
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:
Went to collection agency XXXX XXXX XXXX here in XXXX XXXX Missouri and spoke to the clerk and asked them for a report on my accounts, because there is 2 people 's unpaid credit on my individual credit report. These people happen to be family and they are medical accounts. I have nothing to do with their medical history or what they owe. They have their own insurance, which I am not listed anywhere on that policy for anything. I told them to have those reports removed and they said we are allowed to do that. I said you are certainly not then I asked for all the copies of accounts and they said no. This information went to credit bureaus and. Stopped me from getting my Business loan and has dramitacally effected my score. I never received any mail for this unfair reporting and against my rights. Please help me because I have already lost 3 accounts to their unfair practices and I need my equipment. I will follow up with lost revenue and what the law allows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  appeared on my credit report attempting to collect {$140.00} dollars from me. The account states it was from " XXXX XXXX ''. I had received no paperwork or notifications of this debt. And was never given an opportunity to dispute it. I filed a dispute with all 3 major credit bureaus, 1 of which has cleared it from my credit report. I wanted to file a complaint to get this false collection removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, TransUnion, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, TransUnion, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.

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 2019-01-14
Company: Transcontinental Credit & Collection Corp
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from collections that I owe {$28.00} for a medical bill from XX/XX/2018. In fact this bill was paid on XX/XX/18. I called multiple times and explained that I paid this bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection with Franklin Collections Services on my credit report saying I owe money. I don't owe any money to this company. I paid the XXXX XXXX XXXX directly so I don't know why they put this on my report. I disputed this and it's still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After multiple attempts to resolve the problem, we spoke on the phone with Shellpoint Mortgage on XXXX. They finally informed us they had no intention of paying our real property taxes as they were dealing with a third party provider who was collecting data from the previous lender ( this had not been conveyed to us in prior conversations ). We informed Shellpoint we had emailed them a copy of our property taxes ( based upon a previous phone conversation ) on XXXX XXXX, 2015 and receipt was acknowledged. Due to the late date ( taxes are due XXXX XXXX, since we had no confidence in Shellpoint, and since we were told they were not going to pay our taxes, we went ahead and paid them ourselves, incurring a 2.45 % credit card fee, since failure to pay on time could result in injury to our credit rating. This could impact our security clearance possibly resulting in job loss.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, 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:
Had auto loan with XXXX XXXX XXXX XXXX XXXX. Auto loan was in chapter XXXX BK since XX/XX/XXXX. BK was completed and discharged in XX/XX/XXXX. Account is reporting as charged off loan .Contacted credit union and was told to file dispute with Equifax . Filed disputes with Equifax 10 different times. Gets fixed for 1 month then Equifax reports as charged off account. This account was discharged as per chapter XXXX BK in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payment was late- no denial of that. But made the payment on XXXX XXXX, used our XXXX acct., NOT the XXXX acct., which is closed. Their system at some point used the wrong acct., and even though it was corrected, they 're still claiming the acct. is +30. We redid all info on their system and they received the payment on Friday, XXXX XXXX. My major complaint is that Ally Financial-who are the note holder - called me at XXXX today, XXXX XXXX ( claiming that the payment is 37 days overdue, which it is n't ). I have told them on at least FOUR SEPERATE OCCASIONS that I am currently on the West Coast on PDT, NOT EDT. Each time they have called at XXXX or so I have reiterated the time zone I 'm in.

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