BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Dressman Benzinger LaVelle PSC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX was served court papers by DBL Law for medical debt owed to XXXX XXXX, in the amount of XXXX Contacted DBL law XXXX and was advised the amount was for service on XX/XX/17 for XXXX XXXX and XXXX XXXX and that the minimum I could pay in order to settle the debt was XXXX per month. 

I advised the lady I spoke with that this was rather confusing because I had been making payments directly to XXXX XXXX totaling XXXX per month The representative at DBL law stated there was no indication any payments had been made and that she would contact XXXX XXXX and confirm XXXX she called me back and advised that yes I had made payments totaling XXXX cents and that the amount I still owed was XXXX but that they also wanted me to pay court costs on top of that totaling XXXX I should not be held financially responsible and asked to pay court costs due to the complete lack of communication from dbl law and XXXX XXXX when clearly when I got served on XXXX more than half of the debt had been paid. 

I have called DBL law 10+ and took a week to receive a call back. I paid the court costs in order to avoid having to deal with the unethical business practices of both XXXX XXXX and dbl law but would like the court costs to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit was repaired, I have a fraud alert and now my score will not appear. It states I have no credit when in 2013 reported a XXXX credit score. unable to get a clear answer from the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother passed in XXXX XXXX unexpectedly in a XXXX accident. My stepfather was driving when the rear tire blew. XXXX suffered XXXX from not wearing helmets. My mother had a mortgage note as a married woman sole and separate property. XXXX XXXX payment was done online XXXX XXXX, XXXX and posted to the account XXXX XXXX, XXXX. XXXX XXXX, XXXX the executor of their estate resigned. XXXX XXXX personal rep app. was approved. Foreclosure attorney filed default, demanding payment, late fees, interest ( etc. ) be paid from XXXX XXXX, XXXX to XXXX XXXX. Probate was opened by my first attorney approm. XXXX who filed a wrongful death suit. Probate was finished with my second attorney, whom I retained XXXX XXXX. I had informed my attorney ofWhile waiting for application approval and letters of testimary to be issued, she began dialog with the foreclosure attorney 's office with requests of reinstatement and payoff quotes.Foreclosure attorney 's used many delay tactics while pursing foreclosure and reached appoint of a special master and sale date set. She was able to get the sale cancelled and reinstatement was established. I did inform my attorney of pmt made in XXXX. Since that time the Foreclosure attorney 's office has been sued for unfair business practices no longer representing the mortgage company. XXXX to present several defaults have been filed, reinstatement established. The last being resolved XXXX. However this current reinstatement quote began date XXXX. Knowing for fact XXXX was paid on time Learning the note does not fall into default until after the XXXX of the month I wrote the mortgage company requesting corrections to the account be made numerical listing them XXXX and account should be corrected to show listing them XXXX. Attaching documents of proof and dated contact log with names, brief detail and outcome most often including the time. Additionally offering but not including recorded conversations with their representatives. I requested notification of any fees for these requests or services before being charged. In their response they stated after their review they did not find any errors. Denied my request to waive late fees.Each monthly statement prior and since includes a late or past due fee but when I review the information online account states this fee is a number of different things.

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 2015-03-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX charged my card without authorization in the amount of {$120.00}. 

On multiple occasions since then I disputed the charge with my credit card company - TD Card Services - TD Bank. 

Since they, TD Card services have since charged me interest and penalties and is damaging my credit by reporting the disputed amounts to credit bureaus - where my card agreement specifically states - disputed charges will not be subject to account default. 

TD Card Services requested me to mail back to them details of my dispute. Which I did via regular U.S. Mail. They received it ; however stated that they processed my reply 2 days after their cutoff date and hence will not honor my dispute. 

Last spoke with XXXX at TD Customer Care on XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased 2 roundtrip Airplane tickets with XXXX XXXX from XXXX to XXXX on my Chase Sapphire Reserve Visa for a trip in XXXX of XXXX. The flights and trip were cancelled due to the pandemic. I was unable to reach XXXX after dozens of phone calls and attempted contact on XXXX as well, with no response. I felt I had no choice but to apply for a voucher, which was presented as my only option, and I was unable to discuss the refund policy with anyone at XXXX, as they were unreachable. 

I am now unable to use these vouchers, as they expire in XXXX, and I am unable to travel. I need a refund for the tickets, which has been denied by XXXX after 3 phone calls to them requesting a refund. 

I submitted a dispute with Chase in XX/XX/XXXX, as I am now aware that I am unable to use these vouchers. Chase has denied my dispute because it is after the 60 day window for disputes. I replied to the dispute denial stating that I refused to pay the charges, and why. I have not received any response to this. This travel situation with the pandemic is highly unusual, and I would expect that Chase honor the dispute process, even if the Airlines are not following the rules. 

Transaction Information : XXXX XXXX : XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Grocery store located 2 states away notified me that an employee found " my '' debit card in the ATM machine. Card still has activation sticker and is issued to my old legal name. This debit card and associated account was obviously opened fraudulently. Have only the debit card number. Spoke with issuing bank ( Citibank ) and the most they would do was cancel the card. Citibank would not provide any further information, citing that they could not verify my account information or identity, nor would they at least freeze the account pending an investigation. They then directed me to contact XXXX and led me to believe it was within Citibank. Turns out it is FTC. I have already placed a fraud alert through a credit reporting agency and looked at 2 of my credit reports for any suspicious information. Since the credit reporting agencies deal with credit and not with bank accounts, XXXX advised me to contact the Consumer Financial Bureau, from which I was advised that I could file a complaint. I think Citibank ought to at least freeze the account in question pending a thorough investigation. Canceling the debit card while helpful is insufficient action since the card was already abandoned. I also need to know when, where & how the account was opened for reporting & investigative purposes. I can not track down the perpetrator ( s ) and press charges if I can not find that person ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Village Capital & Investment LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did a loan modification with my mortgage company Village Capital & Investments LLC. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used PayPal to make a payment and the people I sent through PayPal were scams, but PayPal did not help me out to recover the amount paid. PayPal should not include scams people on the platform and using way for identification as I got hocked for {$4000.00}. 

The transaction was made are : *XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX XXXX of {$1000.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX XXXX XXXX XXXX XXXX of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX ( XXXX XXXX XXXX ) of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) Thank you so much for all your help and for protecting us from frauds and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I made an inquiry at XXXX XXXX regarding a home equity loan. I received a call from Loan Depot and the very first thing I said to them was that I am NOT interested in refinancing my home ; I am only interested in home equity loans. The initial caller assured me that such an option is available and then transferred me to XXXX XXXX. I AGAIN told XXXX XXXX that I am not interested in refinancing, and that I am only looking for home equity loans. He again assured me that this was an option. During the interview process he asked me what my current first mortgage loan interest rate is. When I told him, he said he thinks he can match that, so once again, I told him I am not interested. He said " that 's fine '' and continued with the process. After giving him all of my information and allowing him to make a hard inquiry on my credit, he comes back and says that he has this " great refinancing offer available ''. When I again remind him that I have no interest in refinancing, and that I ONLY want a home equity loan, he then tells me that option is not available. I feel XXXX XXXX deliberately led me on to try to sell me a home refinance loan, knowing full well that a home equity loan would not be available to me, even though I repeated told him that I was not interested in a refinance loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ALLY FINANCIAL INC.
State: MI
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:
Good afternoon, I am in the middle of refinancing my home. It was brought to my attention that Ally financial is reporting a debt due on my credit report from on or around 2014. I have disputed this in the past. On Monday, XX/XX/XXXX I called Ally financial directly and was told that the account was paid in full and that there was a XXXX balance. This lines up with my accounting. I asked that they please send me a paid in full letter via fax. Ally financial said that they would however never did. I called back last Thursday and was transferred to about XXXX different people so Im telling me it was paid in full sun telling me it was sold to another company so Im telling me that there was a balance so Im telling me they had no idea what I was talking about. My account with Ally financial was paid in full and was always in good standing. Yep they continue to report an accurate information over and over on my credit report

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 2020-03-25
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I closed an account with Citibank and removed the money. Citibank kept the account open and started charging monthly service fees to it. I assumed the account was closed until they sent me to collections over those service fees. I called Citibank and they realized their error, rebated the fees and closed the account as intended. However, since then they will not remove the collections report. I have challenged the credit collections report 4 times with all the credit bureaus and Citibank as verified the collections as accurate each time, rather than seeing this was their error. I have challenged it with Citibank with 5 letters. Citibank only responded once with a form for merchant services ( which has nothing to do with my claim ). I tried calling Citibank 4 times and each time they said they do not have a department to deal with this kind of inquiry. If Citibank will not remove this credit collections from their records, the credit companies will never remove it from my credit. This was an error by Citibank, but now they refuse to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted immediately.

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 2015-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage with Bank of America on XXXX XXXX. When I contacted XXXX XXXX that day he bragged about BofA 's on time closing rate and said they would be able to close on our new home XXXX XXXX. He ran # 's and asked for me to send him required documents. He said we were approved to buy the new house and then sell our home 3 days later. Every conversation with the man he assured me we were good to go for XXXX XXXX. We spoke XXXX and he assured me we were on track. Myself and my real estate agent called/emailed repeatedly the next week asking if he had received the title. Friday, XXXX XXXX he finally gets back with me to tell us he had been out of the office at a funeral and did not have the title. There was no email kickback during his absence saying he was out of the office and to contact someone else or an updated voicemail saying to call someone else. So not only could we not close on the XXXX of XXXX because he did n't have someone working on our file while he was he out, but he had n't done the math correctly ( or contacted someone who could do the math correctly ) and we would have to close on our current house XXXX before closing on the new property. The math should have been done when we applied for the loan and we should of been told up front. We were pre-approved for a non-contingent loan by multiple other lenders. So instead of renting a truck for a day for {$100.00} and having the weekend to move and clear out the old house, we would have to get a POD for {$1000.00}. We reluctantly changed the closing to a dual closing on XXXX XXXX. We received the final disclosure on XXXX/XXXX/15 and I found errors. There was no {$500.00} for failure to close on time as promised by BofA, no {$200.00} for being a preferred rewards BofA member and XXXX had forgotten to add {$500.00} from the seller for repairs. I immediately called XXXX XXXX, XXXX manager, and she put me in contact with XXXX XXXX. XXXX did not get back to me until the evening of XXXX/XXXX/15 and at that point we were faced with XXXX choices. Close on time and lose out on the {$500.00} for repairs agreed upon in our contract with the seller or delay the closing and be homeless for XXXX. She asked if either was acceptable and I told her no. She said she 'd contact her manager and get back to me the morning of XXXX. I have yet to hear anything. So we have lost {$2100.00} because of XXXX XXXX and XXXX XXXX inability to do their job effectively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have not been able to get Ocwen to modify my ARM mortgage. I have tried a few times over the years. Their last response was that it was modified in 2008 and is ineligible to be modified. Mortgage rates have been so low and because my mortgage is considered " underwater '', I really can not refinance it elsewhere. I just want a LOWER, FIXED RATE! Based on comments I have read on the internet, I am not the only one having issues with Ocwen. Complaints have been written by homeowner around the country. I even read where the XXXX has investigated them for their practices of not helping homeowners by rejecting loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation