BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent XXXX request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the XXXX data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per XXXX law.

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 2016-06-02
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company was billing me close to {$50.00} a month for a Third Party Add on Product. I have an automatic draft thru them and did n't realize the increase for for several months, when I noticed it I though it was a lender placed insurance so I called them to confirm so I could send in proof of my homeowners policy. I was shocked when they told me it was an optional insurance thru one of their affiliated companies, some type of home warranty. I had never talked or corresponded with this company prior but they insisted I must have signed up for it and I would need to call that company to inquiry further. I called they number they provided me an was given the run around, they canceled the policy going forward but would not refund the money they stole from me. They advised I must have returned a mailer or given verbal consent. I denied this and they informed me they would place a request to send me proof or a refund. It has been several weeks and have yet to hear from them. I believe this is a violation of UDAAP and feel my mortgage company should be held responsible and refund the money that they took from me without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello there, I have opened a Citi Checking account upon advice from a Citi Mortgage XXXX lender. He suggested that if I Open a Citi Checking account and deposit {$50000.00}, I will get a better interest rate on my Mortgage. I did the same and opened a account and deposited XXXX. Once the Mortgage is closed, I tried to withdraw the money to use for my investments and Citi has flagged my withdrawal request as fraud and closed my account. 

I tried calling the customer support multiple times and they either hung up the calls on me with out giving me more information on how and when I receive my money back or they try to help but say that this is handled by their internal department who does not have a direct phone to reach. The customer support team tries to email this internal department and does not hear back for weeks. I also tried going to the Citi physical bank location near by home and they are of no help either. 

Account opened XX/XX/2022 Balance on XX/XX/2022 - {$50000.00} Citi closed the account on XXXX XXXX, 2022 Now I am at a loss on how to get my funds back to me. Customer support and/or their physical locations are really helpless.

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 2022-08-16
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene finance refuses to remove my pmi Insurance witch is XXXX a month despite my property value increasing tremendously. 

They say i dont have a good payment history and i was delinquent on my payments. 

My load was recently sold and there was a change in investor and servicer so i dont know how they can say i was delinquent if my investor is no longer XXXX XXXXXXXX XXXX Please have pmi removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly calling me at all hours of the day and night. Very combative person threatening me my property threatening to attach my Social Security my bank account if saying that if I dont pay theyll get me they made threats against the property and I have no clue who these people are they refused to give their name. A firm name or a company name. Then they want to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
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:
8. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 2016-08-21
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed with XXXX, EQUIFAX, & XXXX about inncorrect information on my credit report and they refused to remove it. In accordance with the Fair Reporting Act, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. In accordance to 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure. I did not give these companies written permission to furnish anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I noticed a charge on a credit card from PayPal that is NOT authorized i contacted them 23 times to no avail. 

I had to cancel my credit card due to the PayPal fraud and theft of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Seattle Service Bureau, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX  I logged into  XXXX   XXXX  and it showed I had an account in collections. It showed   XXXX     XXXX   XXXX   XXXX  sent my account to a collection company with a total owed of {$140.00}. I never ever received a bill or other written notice about money owed to them. On  XXXX   XXXX , I sent an email to  XXXX  XXXX  XXXX  telling them I never received a bill for services rendered and demanded that my account be removed from collections. I still have not received a response from them. It seems that they " parked '' my debt on my credit report because they did not want to pursue this matter in an ethical way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2016-08-15
Company: LD Holdings Group, LLC
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I closed on my mortgage loan on XXXX/XXXX/2016. My rescission period ended on XXXX/XXXX/2016. My funds were n't disbursed until XXXX/XXXX/2016. 
LoanDepot would not return any of my calls during that period. My escrow account changed and it took them that long to figure it out. 
They made me get updated payoffs before the closing and did n't use the updated payoffs at closing. Now on XXXX/XXXX/2016 I am getting phone calls from my accounts. They are all charging late fees and interest. I am very dissatisfied with the service I received and feel that LoanDepot should cover ALL the late interest and late fees. The loan closed on XXXX/XXXX/2016 and should have disbursed on XXXX/XXXX/2016. All of our accounts should have been paid off by XXXX/XXXX/2016, even with mail time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Business & Professional Collection Service Inc
State: NV
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:
Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to by XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 a 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 2019-12-12
Company: Experian Information Solutions Inc.
State: GA
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for it.

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 2022-08-16
Company: CITIBANK, N.A.
State: TX
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 XXXXXXXX, XXXX XXXX XXXX XXXX a hard inquiry XXXX , THD/CBNA ( late payments, when paid on time ), bank of XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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 2015-09-16
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank of america 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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 2023-02-22
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
18 months ago, I applied for a Covid 19 payment deferral and was granted the forbearance. I received a letter from my lender that my XXXX forbearance was ending on XX/XX/XXXX. I was given two options to resume payment or file a loss mitigation. 
It is my understanding that under the XXXX XXXX XXXX XXXX XXXX COVID-19 Payment Deferral and XXXX XXXX XXXX XXXX for COVID-19 that all Impacted borrowers have up to 60 months to defer payments. Although my lender is not required to obtain documentation of my hardship, they must achieve XXXX XXXX XXXX XXXX ( XXXX ) to determine the reason for the delinquency and whether it is temporary or permanent in nature. I have and am still experiencing a financial hardship resulting from COVID-19. 
In addition to financial hardship, I am experiencing emotional stress and struggling to maintain financial stability due to loss of both of my parents. My Mother XX/XX/XXXX. My XXXX XX/XX/XXXX. Their passing bought on an additional added financial burden.

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 2017-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
TL ; DR - USAA makes configuration changes that stop important services. 
USAA changed credit card companies but made the business decision not to fully roll over ancillary services such as text alerts ( e.g., for payment reminders, etc. ). Normally this would n't be as much of an issue, but the local post office has been mistakenly returning some of my mail for a few months now. Subsequently, I grew to depend on the text messages for reminders to pay the bill. One of my cards that I rarely use was not paid for three months and I got a black mark on my credit record now. Banking is a service, and when they make changes to their bank-end systems or change credit cards, I expect uninterrupted services that I 've come to rely on. I asked if they could remove this mark from my credit report and they declined.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief