BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have responded to all the repositories 3 different times through their websites and by mail over the pasat 2 months as recently as XX/XX/2016 to correct their errors and they have not done so XXXX Accounts closed at my request due to fraud charges.Reporting Terminated Mortgage and Equity Line Paid off 10 years ago-used in determing my credit score Stating too many revolving accts-only have 2 and the balances which I pay off each month are one half what my allowable credit limit is Report states too many inquires-never made an inquiry. Any inquiry that may have been done was unauthorized and illegal Showing residence addresses I never lived at Reporting previous name or AKA no mine

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 2020-04-18
Company: LoanCare, LLC
State: MA
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:
Hi, I noticed a drop of my credit score by XX/XX/11 due to a report from ( loan care service ) that I'm late 30 days on my mortgage payment, I tried contacting them during early XXXX XXXX XXXX payment ) but due to the high call volume I could not get through, decided to send a request on there web site which I did ( twice ) during XXXX, I did not get any response and still no one contacted me, finally i got through by calling and did all arrangement for mortgage deferment, but they could not help to correct my credit score. 
so I'm writing asking your help in such tough time, I'm not working as many in the middle of that pandemic and I did contact them using there web site as it was the only option, I need my score to be corrected so i could get through that time applying for SBA OR LINE of credit to get my business and employee back. 
really appreciate your help, XXXX XXXX XXXX ra

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 2015-08-03
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Rocket Mortgage, LLC
State: MA
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:
Called Quicken Loans because they pulled my credit without consent. I contacted them to get more information. At first, they denied pulling our credit reports. Then they finally agreed to research the issue. After about three or four weeks, they called back and said I had given permission. That is absurd not the case. I have no interest in doing any additional business with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank had over 2 months to respond and have NOT. CITI STOLE OVER {$30000.00}. CITI NEVER RESPONDED. I WANT MY MONEY.

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 2015-05-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. 
SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. 
They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. 
They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. 
All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. 
Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. 
I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}

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 2020-08-14
Company: WELLS FARGO & COMPANY
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:
In XX/XX/2017, I filed for bankruptcy and my attorney tried to get Wells Fargo Mortgage to reaffirm my loan, but they refused. I have been making all of my mortgage payments to Wells Fargo Mortgage, on time since XX/XX/2017 up to today 's date XXXX XXXX. 
Wells Fargo Mortgage refuses to send this information to the three major credit bureaus and my account shows on the credit bureaus as being included in the bankruptcy as if it no longer exists and that I am no longer making my mortgage payments. This has a very adverse affect on my XXXX XXXX and makes it almost impossible for my score to improve which makes it very difficult for me to get fair interest rates on any loans and makes it almost impossible for me to be able to refinance my mortgage which has a interest rate of XXXX percent and Wells Fargo Mortgage, refuses to refinance or modify my existing loan to give me a better interest rate, so I feel that this is a deliberate attempt by Wells Fargo Mortgage to keep me locked into this unfair interest rate, since today 's interest rates are at a record low percentage.

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 2020-01-10
Company: CASHCALL, 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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
As of today XXXX XXXX, 2016, We have not received our monthly mortgage statement from Ocwen Loan Servicing LLC . It 's been 45 days since our last statement. Ocwen Loan Servicing is trying to make us default on the loan Also since we the request for account to be de-escrowed, we have not received a refund check. I want the funds be sent directly to us and not applied to the account.

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 2020-08-14
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a credit monitoring alert on XX/XX/XXXX saying a new collections account from XXXX XXXX XXXX with a balance of {$2600.00} was added to my credit report. I had no knowledge of who they were and never received any notices, so contacted them immediately by email through their company website demanding verification of the debt, and disputed the reporting with TransUnion. The next day I received an email with a letter saying an old debt from XXXX had been assigned to Lake City Credit, an affiliate of theirs, showing they charged me interest in the amount of {$1100.00} with a computer print out of a debt from XXXX allegedly received from XXXX. I continued to demand a copy of the actual contract but never received it in spite of repeated requests ( see attached copies of email exchanges XXXX. TransUnion removed the account after the 2nd dispute but they continue to misrepresent their reporting to Equifax, and have doubled the amount they allege I owe to {$3000.00} as of XX/XX/XXXX. Ive done everything I can to get them to stop to no avail, and they refuse to provide me with a copy of the original contract or other proof allowing them to charge such ridiculous interest on the debt they claim I owe. They continue to illegally charge interest retroactively from XXXX years ago on a debt from they didnt acquire until XX/XX/XXXX, thereby increasing the reported amount to more than double what they claim I owe! They also failed to accurately report the original date of the debt, as well as their third-party debt buyer status, although they continue to report an interest increase in the balance each month. THIS COMPANY IS ILLEGALLY AFFECTING CONSUMER CREDIT REPORTS BY INTENTIONALLY REPORTING INCORRECT AMOUNTS & INFORMATION! THEY SHOULD BE SUED AS THEIR ACTIONS HAVE NEGATIVELY IMPACTED MY CREDIT REPORTS FOR ALMOST 2 YEARS!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2015-10-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was looking for a vendor to get a mortgage through. I of course went and shopped around to find the lowest interest rate/closing costs. I provided a quote from XXXX to Chase Bank. Chase Bank agreed to match the rate/closing. Throughout my entire time with Chase I have received lack of follow up, delays in obtaining my mortgage due to several Chase issues, my sellers lost their interest rate lock in due to Chase and the list continues. I am okay with how inadequate Chase was through the underwriting process, but I am not okay with the fact that they promised to match rates/costs and they did not. Chase overcharged me by almost {$3000.00} in closing costs. This is something my attorney uncovered. When this was brought to Chase 's attention I was assured that they would look at this and compare the costs again to ensure it was in line with the quote I initially provided, and would make sure this was updated prior to closing. At closing my attorney indicated nothing was changed, it was still the same and completely out of line with the other competitors costs. I contacted Chase who assured me they would work with management to get this resolved after the fact. I proceeded with closing as we were 30 days past original close date as is and my sellers were now at risk of losing the home they put a purchase offer on. I followed up with Chase on numerous occasions as of close date, with little response. Managers contacted me due to me escalating, and they too did not follow up with resolution as promised. I brought the closing costs to Chase 's attention on XXXX, it was still unresolved at my close on XXXX. I continued to dispute this with Chase from XXXX/XXXX/15 to XXXX/XXXX/2015. I have followed a couple times each week, or weekly without any type of response from managers at Chase. I looked up the VP in my area and sent a letter to her in hopes that someone would respond and return the money that was rightfully mine and not Chase 's. The contact I last received was on XXXX/XXXX/2015 from senior management resolution team at Chase indicating that my request was denied. I have plenty of documentation/emails showing the discrepancies and the promises to match. I am happy to provide any documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Bankruptcy

Complaint:
XX/XX/XXXX after 37 years of business I had to put my XXXX into Chapter XXXX bankruptcy. We were a XXXX. Suppliers and creditors that had personal guarantees I found a way to pay. CHASE would not except the bankruptcy and insisted it was a personal account even though they had been sending the statement to the corporation and was being paid by the corporation since XX/XX/XXXX. I tried to work with them. Sent letters. Had my attorney send letters, talked with them on the phone. They would not work with me even though the card was only used for business. When there reporting got to the credit rating agencies it was not possible to hold the high personal FICO scores we had prior to the Chapter XXXX on the corporation. We were turned down on lower interest rates for our home and it was very difficult to get new credit at all the first year. In conversations I had with there customer service they would say they new the card was used for business but they could not help me. They finally sent me a XXXX which made it income to me, but did not do anything to remove it from the credit reporting agencies. I feel CHASE did not operate in a business manner for this account and would like them to remove it from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I got a letter from Citibank on XX/XX/2020 saying my checking account will be closed in 60 days. There was a remaining fund when the account was closed. The amount was {$77000.00} ( as showing on the final statement ). 
The ACH transfer of {$76000.00} on XX/XX/2020 was returned to the original bank on XXXX/XXXX/2020. So there should be a {$700.00} remaining fund on the account. 
I have never got the refund check for that amount. I have contacted customer service countless times and they were unable to help.

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 2020-11-18
Company: Experian Information Solutions 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 a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.

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