BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 I inadvertently had my online bill pay system with XXXX XXXX make two mortgage payments. As soon as I discovered the mistake on my part I contacted my bank about it. They immediately contacted your company and got nothing but being put off and frustrated by incompetent employees without a clue of what they were doing. 

It is not three and a half months since we have requested the return of the overpayment and to date your company has absolutely refused to do the right thing. 

We have been told more than once that a manger had approved the return of the duplicte payment and yet your company has steadfastly refused to mail a check to me. Why is that? 

I respectfully demand an immediate return of the duplicated payment. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the fair reporting act XXXX account number XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-14
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some one named XXXX XXXX used my email address and social to open a new account with Truist. Probably trying to collect unemployment. This is the fourth different bank this perp has used to try and open with my name.

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 2016-11-16
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Flagstar Bank has inappropriately denied assistance even though we are in imminent default under FHA guidelines even though we are current on our loan. We ( the borrower ) have had a reduction in income due to previous job loss, reduced pay with a new job and increased expenses. We do not want to loose our home! Flagstar states in it 's hardship letter they " ... understand that your home is an important and valuable asset and your peace of mind is important to me. Flagstar is dedicated to helping our homeowners preserve and maintain their investment. I am prepared to discuss your situation and help determine the best course of action for you. '' We feel this has hardly been the case. We are current. We have n't missed a payment. We are trying to be proactive rather than reactive with our loan.

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 2020-06-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday the XXXX of XXXX 2020, I made two cash deposits at Navy Federal Credit Union. The branch is located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first transaction I successfully completed was at the branches " drive-up '' atm for {$2600.00}. After noticing that a line of cars were behind me, I made a decision that it would be kind of me to complete my next transaction with the left over funds at the " walk-up '' atm. When I walked up to the atm with cash in hand, I noticed TWO cameras that monitored me. After I deposited what I explained to NFCU 's fraud department to be around $ 450- {$600.00}, the atm completely shut down. I called NFCU and waited there, on camera, explaining the entire situation. Within about 36-48 hours, NFCU told me they had no record of the transaction, so I decided to dig a little bit deeper and gather some information. They admitted to me that during their first investigation, they failed to contact the victim, failed to check time stamped video evidence, and failed to check the correct atm. Now 4 days into the matter, I asked them to re open the case and complete a proper investigation. I am now on day 12 in total, spent a total of 8-10 hours of phone time dealing with this matter over the 12 days and completely have been mistreated as a consumer and as a non-conflicting customer of a financial institution. The country is already in a tough scenario with racism and not too mention a pandemic. I have lost trust in NFCU, as it currently stands, I was robbed blindly by a systematic and mechanical error, that is no fault to the consumer. I just want my money back that as their customer, should feel safe depositing to them.. I strongly believe that an audit of their investigation process should take place, as they clearly fail to gather, receive, and acknowledge most of any/all facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today ( XXXX ), around XXXX or XXXX XXXX., I received a call from XXXX XXXX XXXX XXXX ( number stored in my phone as XXXX ) on my personal cell phone while I was at work advising me that my gas was scheduled for disconnect within the hour because I had not responded to several calls from them about my autopay cancelling or not working. I thought the amount they said I owed was based on the Texas Winter Storm gas leaks and I paid 2 payments ( XXXX & XXXX ) using XXXX from my Chase personal account because I didn't want the gas turned off for my tenants ( 3 different apartments ). The caller who said she was XXXX XXXX provided information about my accounts that only the gas company would know but when I called the gas company they said all my accounts were current and that it had to be a scam call and that these scammers know how to call people using the XXXX XXXX caller i.d . but XXXX XXXX couldn't tell me how they knew my account information, specifically for my rental property so I think the scammers are getting help from someone working for the gas company ( inside job ). The information for the XXXX account payee is : XXXX XXXX Registered as XXXX. I know it was stupid of me NOT to call the Gas company immediately to confirm the XXXX information but I thought I was talking to the gas company and they caught me waiting on an important meeting to start which is why I called XXXX immediately after my meeting only to learn it was a scam call. I also called the XXXX number XXXX and a man answered but I hung up. I also called the number XXXX XXXX gave me ( XXXX ) but no answer ; voicemail said the text mail subscriber you are trying to reach is not available and please leave a message but I hung up. XXXX XXXX advised that she will call me tomorrow to discuss my gas account but I seriously doubt since they now have my money through fraudulent means. I called Chase Bank to see if they could cancel the two XXXX payments totaling {$990.00} but they advised that once the payment was delivered that I had to call the merchant and have them reverse or refund the money. However, as previously stated the merchant on the XXXX payment shown as XXXX XXXX was a scammer - not XXXX XXXX ( Gas company ) even though the call came from their number. I would like your help recovering my money if possible and also to STOP this scam so that they can not do this to anyone else. Any assistance or help that you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
This Account Is Fraud This is very Stressful that I'm a victims Of identity theft I'm a Single Mother That work very Hard for someone to steal My personal Information is just wrong

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 2016-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX XXXX and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or The BANK OF NEW YORK MELLON as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX THE BANK OF NEW YORK MELLON retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and BoNY MELLON to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. BoNY MELLON is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, BoNY MELLON stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials 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 2015-06-25
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: OR
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:
I went into a XXXX XXXX XXXX branch located in XXXX, OR. I originally filed for a business checking account and was approved by using myself as a personal guarantee for the created file. Since the actual product is not on my personal account with the bank this hard inquiry shall be removed since the services are being used for my business.

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 2022-09-15
Company: EQUIFAX, INC.
State: AZ
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:
There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, PA XXXX. 
XXXX 's XXXX XXXXXXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-01-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
For years XXXX XXXX was charging me a 9 % interest rate on my largest loan, and always told me there were no options for lowering this interest rate. Thankfully XX/XX/2015, my parents were able to pay off that loan by refinancing their home and taking out an additional {$36000.00}. 
I work a seasonal job and earned very little XX/XX/XXXX or XX/XX/XXXX, just barely enough to cover my rent, car and food. Navient, who now services my loans, is telling me there are no options for postponing or reducing my payments, so after years of paying on time and working hard to make payments worth hundreds of dollars every month to this company, they have no options for me except to just become late on my payments, be charged late fees, and have damaging information added to my credit report even though I have taken the time to contact them for help. 
It absolutely brings me to tears to think that all of my hard work to try to improve my life has just ended me as an indentured servant. I would n't be able to qualify to buy a home, or be able to afford having a child, let alone dream of saving for retirement. 
It seems like after having this monkey on my back and already struggling for 12 years, there should be some other option for me than bad credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill XXXX collections in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.

Company response to consumer: Closed
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Im having an issue with XXXX XXXX  XXXX  they added escrow to my account despite me being XXXX XXXX XXXX XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. Equifax did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: DriveTime
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

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