BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: Google Compare Credit Cards Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Claim ID : XXXX Date submitted : XX/XX/2021 Is real evidence fraud is active and ongoing a third has a unauthorized untrusteeship over an estate without proper authority. 
Restore all funds and hereditaments immediately. 
All charges, payments, or fines, for all past, present and future should be restored. 
This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America. Notice to agent is notice to principle Selective Service I'd is : XXXX Notice of emergency relief for : egress, regression, right of movement locomotion, peace and happiness! All declined payments or restricted payments causes involuntary servitude, mental anguish, physical HARDSHIP and is evidence of restrictions on divine financial innovative capabilities.

341 hearing is underway and ongoing and a consumer credit class all trustees will take or have neccessary credentials for administering this account and vehicle/Vessal. 
This account should be be pursuant and in likeness to15 U.S. Code 1637 - Open end consumer credit plans.

Any transaction outside of it Should be in likeness of 15 U.S. Code 1638 - Transactions other than under an open end credit plan By : .XXXX  XXXX, :XXXX : and the United States of America . 

This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ XXXX. Executor ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX Veteran whose down on his luck, I am unemployed, I 'm in the arrears 10 months, and I am extremely frustrated with SLS my mortgage company. I applied for assistance back in XXXX XXXX when the loan was with XXXX, I checked the box, to keep my house, SLS picked the loan up in XXXX XXXX, and I still have not had a reply on my plethora of applications for assistance. I 've done everything they 've asked me to do in some cases twice ; I 'm at my wits end. My relationship manager has changed 3 times, XXXX is the latest, and sadly every time I call I get several prompts, only to hear a recording saying XXXX is not here today. I have left my phone # several times for a call back, the outgoing message indicates I will receive a call back within 24 hours and it never happens. I 'm having trouble sleeping at night, not knowing what is going on their end. I filed for assistances over 7 months ago, and after sending me endless letters asking for this form and that form, which I send everytime, but still no reply on what assistance program I qualify for. This is extremely upsetting to me, I want to stay in my home I 've lived in for over 17 years, I have gone XXXX, so that I can find a job, sadly I lost my job back in XXXX to no fault of my own, and I have cooperated fully, I 'm looking for a job. I 'm doing everything in my power to keep my house and get back on my feet.

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 2022-10-29
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have closed my credit card account with Barclays XXXX on XX/XX/2022. 
However, more than XXXX month later on XX/XX/2022, they posted a transaction charged by a service that I didn't want to subscribe. 
And when that company did that, they failed at least 3 times and sent me emails about billing failures on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 
I didn't do anything thinking that the service renewal would naturally stop after that. 
So it was really astonishing that the transaction of {$52.00} succeeded afterwards. 

I contacted customer service of Barclays XXXX, and they acted as if it's only naturally for any merchant to be able to charge me even after the account closure. 
I complained and then they told me to " rest assure this is escalated for review '', and that their dispute team would work on it. 

However, nothing happened after that other than phone and email harassments from them. 
And when I complained to them again, the customer service suggested me to go talk to their X or Y departments directly. 
So I don't think they are capable of handling this simple thing and stop their harassment. 
As of XX/XX/2022, they want me to pay for {$300.00}, for the original {$52.00}. 
I doubt they have been keeping reporting things to significantly lowered my credit scores.

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 2016-06-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm just not sure Seterus really understands my position in their claiming to be the new servicer of my loan. 1 ) I have not received notification or any communication from the owner of the loan which to me provided the proper 'authorization ' to then begin working with me ... 2 ) Because of # 1, Seterus continues to do nothing but harass me because of 3 ) I have notified Seterus that the information they have is incorrect and if they look closely, they can get a sense of what I am stating is true. a ) I have stated XXXX had my insurance information and it 's all documented with the CFPB, would one really lie about 'documentation ' when obviously that whole point in stating that is because it can be pulled up ...??? b ) I have mentioned the balance otherwise being incorrect partly because XXXX was not applying payments properly. Obviously Seterus has my payment history and clearly they can see payments were being made twice a month but only posted later in the month and common sense tells you I was paying like that for a reason and that reason which is very common in mortgages is to pay the loan down more quickly, not to give the bank money ahead of time for them to use as they wish ... c ) the balance also was not correct due to some fees that were charged and Seterus can see those fees in those records as well. 

It 's not up to me to have Seterus be judge and jury ( they asked for all this documentation ), it is for XXXX and XXXX to work this out but XXXX XXXX XXXX has refused to look at the history of my correspondence even though I 've told them numerous times exactly when the insurance information was provided ... I 've tried to contact Fannie Mae and no response from them. Based on this, Seterus needs to tell someone that these issues need to be worked out before resuming with this account. At this point it 's a bad account and for no other reason than that Seterus does not have the correct information, Seterus seemingly refuses to accept the information is wrong but at least in my opinion Seterus is digging a pretty deep hole by continuing to harass me and threatening foreclosure ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I contacted Nelnet about payments I made in XXXX, XXXX, XXXX, XXXX and now XXXX that have not been credit. They do not respond to messages sent on their site so I called. I gave all the information to the person who was supposed to send me an email as to where to send proof of payments. After about a week I called back and was told that I had to put them in the mail. I sent proof of payments by certified mail which they received on Friday, XX/XX/XXXX. My account still has not been updated. The following are the dates and amounts of payments : XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$50.00} Total : {$230.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$40.00} Total : {$220.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$16.00} XX/XX/XXXX - {$45.00} Tot : XXXX XXXX XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - {$45.00} Total : XXXX XXXX XXXX - {$45.00} XXXX - {$49.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - XXXX Total : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a dispute over some inaccurate information that Equifax supposedley verified, but they did not do an actual investigation. I called Equifax 's customer service number and the employee said that Equifax is n't responsible for actually verifying information, they just send the dispute, and the " verification '' is done through XXXX, in which all the creditor has to do is say their information is correct, and " that is good enough for them ''. 

XXXX XXXX Dictionary describes verification as " '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' So in order for them to TRULY verify this account, they should be able to show me the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX Dictionary which defines what " verification '' actually is. If not FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. So this should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX - A fraudulent charge of {$20.00} appears on my account titled XXXX  used with my debit card. I do not notice this charge until two days later because my bank, JP MORGAN CHASE did not inform me of the suspicious charge. 

Early Morning XX/XX/XXXX - A second fraudulent charge of {$20.00} appears on my account titled XXXX OF XXXX used with my card. I do not notice this charge until the next day because my bank, yet again, did not inform me of the suspicious charge XX/XX/XXXX - I notice the charges after logging into my bank account - I immediately contact the fraud team and have my card shut down and a claim opened. Funds are temporarily deposited into my account with the assurance that they would most likely not be overturned in the future. 

XX/XX/XXXX - The first {$20.00} claim was rejected and debited against my account without an explanation as to why. Claim ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: DMB Financial, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up in XX/XX/XXXXfor debt consolidation with DMB FINANCIAL on XXXX XXXX they said that after they settled all debt they would take a fee of 25 % as their fee ;. I tired to negotiate the fee as for their services as it was high they said the 25 % was allowed by the state of AZ they called me in XXXX saying the had first fee settled with XXXX card {$1.00} and change and now they wold take 25 % per file per credit card. Said that was not what you represented when I agreed to your servicer they said 25 % is open to interpretation. 

NOTE I had tired to fight XXXX card since XX/XX/XXXXfor a lost payment of XXXX dollars which i they first acknowledged and said me a credit then two months later said they had made and error the Supervisor who had found the error vnsihded form working at XXXX  in XXXX. 

I had filed this as a complaint in AZ Attoney gnerail nothing was done so in XX/XX/XXXXI signed up for this credit consolidation of debt with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have an account with Bank of America and XXXX Bank. On XX/XX/XXXX, I checked my Bofa account and I noticed that the was a XXXX transfer of {$3400.00} to " XXXX '' on XX/XX/XXXX and I started panicking because I never received a text or notification on my phone about the XXXX transfer especially with the large amount gone. I was also confused because I unlinked my XXXX from Bank of America a long time ago when I opened up my account with XXXX  so that XXXX would have my XXXX linked. I checked my activity on Bank of America and there is no record or history of a transfer going out to " XXXX '' which I found odd and decided to check my activity also on XXXX and found nothing either. So I immediately called Bank of America customer service and reported the fraud and after 10 days on XX/XX/XXXX they replied saying they are unable to refund me my money and to contact them to see why I wasn't able to receive my money back. Ever since I have been trying to contact Bank of America customer service and fraud line everyday and waited hours on the line with no one picking up the phone. To this day I still don't know my reasons of being denied a refund for fraud on my account and I truly believe that I deserve the credits back in my account since I never approved the transfer nor have any knowledge of 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 explanation
Consumer complaint received 2017-01-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted paperwork to the mortgage servicer regarding a short sale and this company is giving me the round around, in fact they are working hard in foreclosing on my house, I have submitted my financial statements, a purchase contract have been accepted but they have not approve my short sale

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had my mortgage refinanced through a modification program. Received the new payment amount and schedule and made the first, and all subsequent payments, in full and on time per contract. The company has reported the first 3 payments 120 days to all XXXX credit bureaus. I have filed several disputes with supporting documents and ALL have been denied and this company is unwilling to remove the negative marks from my credit. The payments they are claiming 120 days past due were all paid ON TIME and in the FULL amount owed. Please see all attached paperwork. I am filing in hopes that my credit report will be updated with the correct and TRUE information that I NEVER made a single late payment to this particular mortgage creditor. It is greatly and negatively affecting my credit score with false late payment information.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I spoke to Wells Fargo, asked for a pay off quote, I asked for all paperwork including a remic. The only thing they sent me was a payoff amount. They have not responded back to me since. My mortgage and SS number are being messed with.

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 2017-01-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current mortgage serviced by Specialized Loan Service XXXX # XXXX ) recast or reset with payment increasing approximately {$2800.00} per month. I processed check payment and was {$200.00} short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over XXXX points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this 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 2022-10-29
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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