BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 Bayview 's letter dated XXXX XXXX, 2015 was given to me by their attorney at the XXXX XXXX in the aforementioned matter. Bayview 's attorney claimed that this letter was sent to me on XXXX XXXX, 2015, however, this was yet another misrepresentation made by Bayview 's attorney in Court. As I 'm sure Bayview 's records indicate, Bayview never sent me their XXXX XXXX, 2015 letter. 

This complaint is to dispute the reason as to why XXXX XXXX was denied a HAMP loan modification. Based on Bayview 's response provided to my first QWR, Bayview indicated that {$5200.00} was used to determine XXXX XXXX monthly gross income XXXX {$3700.00} + {$1500.00} XXXX. In Bayview 's XXXX XXXX, 2015 letter it is further claimed that an affordable payment could not be reached without violating FHLMC 's HAMP requirements. This is not true nor is a specific rule cited to. The principal forbearance required in this case is less than 30 % of the UPB and less than the maximum amount of forbearance. Consequently, XXXX XXXX is eligible for a HAMP tier XXXX loan modification. Please see attached waterfall calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian is reporting inquiries that dont belong to me. I call and sent proof for them to delete and remove.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: MA
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:
The XXXX  XXXX account opened on XX/XX/2014 on my Experian credit report is being reported inaccurate, there are late payments reported on that account and I was never late on any of those payments. Delete the account for inaccuracy.

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 2022-04-14
Company: Real Time Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing an unpaid account balance to Real Time Resolutions Inc. ( RTR ), account # # # # # # # XXXX as inaccurate because I paid the original balance in full to XXXX XXXX, XXXX on XX/XX/XXXX. This account was originally opened with XXXX, then sold to XXXX XXXX then sold to XXXX XXXX. 

On XXXX XXXX, XXXX, I sent a final quoted payoff amount of {$76.00} to XXXX for this consumer loan. XXXX applied {$75.00} to the principle and interest and applied {$1.00} of the payment to an insurance fee. The issue is that I never had, agreed to or maintained insurance on this loan. By charging me for insurance on the final payment, XXXX committed insurance fraud. They then sold this debt to Real Time Resolutions ( XXXX ). In addition, XXXX stated I owed a {$230.00} fee however could not substantiate or provide proof of this fee. In a letter from XXXX XXXX, XXXX, they implied it was an " insurance fee '' owed. 

I dispute this debt. I do not owe this debt as it was paid in full. I do not owe RTR a monthly payment of {$120.00}. In addition, neither XXXX nor RTR have been able to substantiate the mystery fee of {$230.00} they claim I owe. Also, because the principle and interest on this debt was paid in full, RTR 's monthly reporting of overdue payment on my credit report is incorrect and should be deleted. I am requesting that Real Time Resolutions delete erroneous delinquent reports from my credit report. Also, the XXXX XXXX account should be shown as paid in full. 

I have also disputed this with credit bureaus, XXXX and XXXX, as this ongoing deliquent monthly reporting is affecting my credit, negatively, in an incredibly unfair manner and by an exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: IL
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX O XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} ACCOUNT XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education 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 response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. 
Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2020 purchased tires at NTB and opened an account which was from Citi. 
I never received a card or statement from Citi, so I called on XX/XX/2020 and spoke with collections knowing that I probably needed to make a payment. I told the Citi collections reps about the fact that I never got a card or statement. They said it had the store location as my address which was wrong. i gave them the correct address and said I needed to get the card that was sent to the store cancelled because I have no idea who or where it is. Citi collections ( twice ) told me I have to call customer service to have this done. I have called three times and been on hold 40 minutes, 28 minutes and 28 minutes. I have also complained on their XXXX page and sent them a PM. It seems a lot of people are experiencing this with Citi bank.

1. I need to get the missing card cancelled asap.

2. I need to get a new card and billing statement to check my balances etc. and be able to set up an online account.

3. Citi is not helping or communicating with customers. Only the collections dept. answers the phone. 

What can I do???? 

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 monetary relief
Consumer complaint received 2016-01-21
Company: BYL Collection Services
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not aware of debt until I checked my credit report and saw XXXX notices from BYL Collections on my XXXX report. I then filed a complaint with Consumer Protection and the XXXX After much back and forth with BYL through the XXXX, it was discovered that BYL had sent notices to an incorrect address and never sent me any notice of any debt and therefore made no attempt to ( 1 ) collect a debt and ( 2 ) no due diligence to ascertain my correct address prior to contacting XXXX BYL therefore stated that they would remove the information from my credit report. However, I have disputed the information with XXXX and each time BYL verifies the debt to them and denies removal of the debt. I have a statement, in writing, through the XXXX of greater Washington from BYL stating that the derogatory marks would be removed once payment was received. Payment was sent by the company making payment on the account at the end of XXXX. BYL needs to find out if payment was made to the original creditor. So, besides the fact that they never gave me notice of any debt that was owed ( neither did the original creditor ), they also have reneged on their agreement to remove the information from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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

15 U.S.C. 1681 section 604A, 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, inquiry 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 intrusions.

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 2015-07-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Hi, We were first approved for a HELOC with BBVA Compass bank and then rejected inspite of having impeccable credit and spotless credit history because we are " not US citizens ''. We already have a XXXX mortgage on our home and have never been late, missed any payments in our life. We applied for a loan ( and declared that we were not US citizens from the beginning of our application ) of XXXX and were approved for XXXX. Then when we were about to close we received a denial letter and the Mortgage broker told us that we were denied because we are not US citizens. From our standpoint, this is discrimination by a bank claiming to be Equal Lender, based on country of origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
When contacting Wells Fargo to stop an ACH debit for a specific company they require the amount. If the company changes the amount to try and get the money, Wells Fargo requires you to place another stop payment for additional {$31.00}, for any amount that they may try to process. This can add up and puts the customer in a situation to be taken advantage of by the ACH company or Wells Fargo. They should be able to stop an ACH payment based on the ACH company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021===Capital One Bank... ..Did not give money of a CD when it already matured ... .holding money for ten days ... ..despite my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ZARVAD III S.A.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several calls every day to myself and other family and friends regarding a loan that I never received. I applied online years ago and never was told I was approved. Then I found out they had tried to deposit it into an old checking out that had to be closed. I never received the funds and I have told them several times over the span of more than 2-3 years. They threaten me saying I am going to be served at work, say they will garnish my wages. Every time I am told that I have to pay that day but its a different amount every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
THIS COMPANY DID NOT DO A PROPER INVESTIGATION ACCORDING TO FCRA AND ARE VIOLATING MY RIGHTS WILLINGLY. ATTACHED IS A NOTARIZED AFFIDAVIT OF TRUTH AND SOME COPIES OF HIGHLIGHTED INACCURACIES ON MY CREDIT PROFILE WHICH WERE DISPUTED AND IGNORED. THIS COMPANY IS ALSO IS VIOLATION OF 15 U.S.C 1681 sections 602A, 604A. I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On or around XX/XX/2021, I used the money transfer app, CashApp, to send a payment for {$250.00} to XXXX XXXX. The money was never wired to XXXX XXXX and on XX/XX/2021, I received a notice in my CashApp account notifying me that the transfer had expired and {$250.00} would be refunded to my account. However, as of today, XX/XX/2021, CashApp has refused to refund the money to me.

I contacted my bank to dispute the charge -- because CashApp withdrew {$250.00} from my bank account for the above-referenced transaction. The bank issued a credit to my account as a refund. However, CashApp has continued to debit by CashApp account for the {$250.00}. For instance, I recently cashed in on {$97.00} in bitcoin, and CASHApp deducted the {$95.00} from my CashApp account and posted a negative balance of - {$150.00}. In other words, they are still charging me {$250.00} for a transaction that never went through.

I have reached out to CashApp ( via text and email msgs ) on several occasions, and they keep telling me that they are working with my bank to resolve the issue, meanwhile, they are placing debits on my account! Please help me stop this theft! 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a long bizarre story but I will give you as much information that I can get in this space.. On XX/XX/XXXX I got a call from someone posing as my grandson that he was in jail injured and needed me to set up a bond to get him out. I talked to the supposed head counsel and he advised me to send XXXX via direct deposit. He gave me the name of the bondsman and his account number for a Chase bank account. I went to Chase Bank and told the teller my story and she advised the best way to send this money was by Direct Deposit and made the transaction from my savings account to their account. I asked her if the name and account was legitimate and she said yes and she put in thru. I found out 2 hours later that this was a fraud. I immediately called Chase headquarters to put a freeze on my account. They told me they could do nothing about this that I would have to go to the bank and they would reverse it. The bank was closed Saturday at XXXX and all day Sunday. On Monday. I went in as soon as they opened and they said they could not help me. On Saturday I filed a police report. I called Chase home office numerous times and got mixed messages and a run around. I was never told that if I did a direct deposit I could lose my money and that Chase would not be able to investigate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
N According to the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

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

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