BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-27
Company: Optio Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from XXXX XXXX XXXX. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out todayXX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HSA Bank delayed closing my account for over 6 months and continued to charge account maintenance fees. I sent a transfer form to HSA Bank on XX/XX/2016. HSA Bank acknowledged in a phone call with me on XX/XX/2016 that they received the form on XX/XX/2016. During the XX/XX/XXXX phone call, HSA Bank said it would take 4-6 weeks to transfer my funds out. The funds did not transfer out. I called back on XX/XX/2016 and HSA Bank said it would take another 6-8 weeks to transfer out. HSA Bank finally transferred out my money on XX/XX/2016. HSA Bank never indicated there was a problem with the transfer, they just delayed it for 6+ months and continued collecting fees. These were investment funds at HSA Bank and at the new bank that I transferred the funds to. In the time from XX/XX/XXXX to XXXX the investment ( XXXX ) increased in value by over 13 %. HSA Bank 's delay cost me over {$1300.00} in return on investment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I cancelled my Citi XXXX in early XX/XX/2020 card but did not received my pro-rated annual fee refund. At the time of the original phone call inquiring about closing the card, I was told I would be receiving a pro-rated refund for my annual fee when I call Citibank in early XX/XX/2020. In subsequent follow ups via chat after closing the card I was also told I would be receiving a prorated fee refund. However I never received the prorated fee refund ( which was told to me to be just under {$400.00} ), and when I tried calling to follow up Citi claimed they no longer do prorated fee refunds. I am requesting that Citi honor it's original policy and what was explained on the phone that I would be receiving the prorated refund.

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 2016-05-05
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I am submitting a complaint with Fay Servicing and XXXX XXXX XXXX due to their malpractice. In XXXX 2015 I was granted trial payments and an acceptance for SAM modification due to the XXXX dollar settlement for principle forgiveness modification by XXXX. During the time XXXX transferred my account to Fay Servicing. Fay Servicing asked me to re apply and when I did I was granted a higher trial payment. I explained the situation to Fay Servicing and provided proof. Even with the proof that I submitted Fay Servicing they could n't find the approval. I have discus this numerous of times with Fay Servicing and they still refuse to approve it because it is something that only XXXX could grant. It is unfair and unjustly what XXXX has done and that is to transfer my file after it got approved. I have provided all documents needed. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus Equifax, XXXX, XXXX to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper. Mortgage is trying to take my home from me. I have paid over 74 % on this home and have been here for over 33 years. 
I was up on all of my payments, but because of Covid and losing income. I stupidly took the " COVID Forbearance '' I now owe immediately, {$23000.00} I've applied and in the ( process/review ) for a relief from CalifRelief fund. and I am XXXX recently also. I do not walk and use a mobility scooter to get around close in town. The doctor office that I just recently got my insurance back ( XXXX XXXX ) is literally behind my house on the main street. I've owned this house or at least have tried to pay for this home for over thirty years. I don't plan to go anywhere. I had an excellent job/career for over 24years before XXXX. Then my life has turned to XXXX because of the so-called economy that has only made the wealthy wealthier! 
Now it's hard to find work sitting in a wheelchair because I couldn't get a XXXX  XXXX because covid closed the hospitals down. Now, I have more than just the hip that is XXXX XXXX XXXX. This is going on to two years. and I have tried since XX/XX/XXXX to contact this company. I wrote many notes on my mortgage portal to Cooper because I can not even get a voicemail. and they have DENIED me twice in the month of XXXX for any help whatsoever. This is Fraud! they are liars and they do not want to help me at all. They just want to kick a women who purchased her home at age XXXX in California only to have the whole system fail her, including the judicial system. 
I obviously have to send a written letter to this company in which is b.s. 
Because They REFUSE to answer any of their 3 phone numbers and the automation is a complete runaround and then they hang up. 
- I had the forbearance from XXXX XXXX XXXX After I agreed to a very EASY button on my billing statement because " They are here to help! '' Really? When, after you kick me to the curb or before? 
Mind you I have been with the company for over 10 years. 
I went to make a voluntary payment a few months later and ALL of my billing and checking information had been deleted. I had to add it all back to make the payment. In which they added immediately to unapplied funds. Since XX/XX/XXXX, my only phone number has received hundreds of companies and people asking if I am selling. But, I have tried to call Mr. Cooper ALL 3 numbers and the agent supposedly working on my case. Called ONCE and 4 minutes later her phone had NO Voicemail box setup. Does this make sense to you??????????? 
At XXXX XXXX  today XX/XX/XXXX. I received a letter at my door from Mr. Cooper oh and as I type this letter. My phone just rang with a man asking to buy my house... 
This is beyond stressful, when you can just " feel '' someone messing with your livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: GOLDMAN SACHS BANK USA
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus by Goldman Sachs has refused to payout my {$100.00} savings bonus for maintaining $ XXXX for 60 days. They allege that I was deemed ineligible for the bonus as I had apparently made an ACH withdrawal the same day I enrolled for the promotion. I totally forgot about this, certainly an honest mistake. However, XXXX should have performed due diligence and informed me ASAP that I was no longer eligible as I am effectively tying up $ XXXX for 60 days under the FALSE impression that I was still eligible. This is misleading and deceptive practices and completely unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: Performant Financial Corporation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector failed to 1 ) properly serve me with a summons and receive a default judgment against me. 
2 ) answer a request for a hearing 3 ) validate alleged debt 4 ) has garnished my wages with less than12months at my job.

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 2021-12-25
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
equifax has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know XXXX took over account i brought it up ro date when they called me i payed XXXX XXXX XXXX XXXX XXXX brought all up to date once i found out thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Credit Card Receivables Fund Incorporated
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unifund CCR , LLC has filed a lawsuit against me for an alleged debt they claim to have purchased from Pilot Receivables Management , LLC, which they claim it has been originated from XXXX XXXX. 

The documents they have provided do not show how the alleged amount was calculated or proof of ownership or transfer from XXXX XXXX to Pilot Receivables Management , LLC or from Pilot Receivables Management , LLC to Unifund CCR , LLC. 

They have provided XXXX bills of sale ; XXXX between XXXX XXXX and Pilot Receivables Management , LLC, which states that accounts in " Exhibit XXXX '' were sold/transferred to Pilot Receivables Management , LLC, however there is no accounts listed in Exhibit XXXX as the entire document has been redacted. XXXX bill of sale is between Pilot Receivables Management , LLC and Unifund CCR , LLC, which states that all accounts in " Attachment A '' were sold/transferred to Unifund CCR , LLC however there is no Attachment A provided. 

They have also included XXXX statements, seven months apart, from XXXX XXXX, however nothing shows how the alleged amounts were calculated. 

Moreover, Unifund CCR , LLC sent me a collections letter on XXXX XXXX, 2016 attempting to collect this alleged debt, but the bill of sale mentioned above between Unifund CCR , LLC and Pilot Receivables Management , LLC was generated XXXX XXXX, 2016. 

Furthermore, on XXXX XXXX, 2016 I sent a debt validation letter to Unifund CCR , LLC and on XXXX XXXX, 2016 I received a letter from the law firm XXXX , XXXX XXXX XXXX, attorney to Unifund CCR , LLC, stating that the debt was owed to XXXX XXXX and they were asked to collect. On XXXX XXXX, 2016 the law firm sent me the documents mentioned above per my debt validation, including a letter stating that the Plaintiff was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29
Company: First Direct Lending, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I received in the mail a pre-approval letter from First Direct Lending. Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. The letter said we were pre-approved to refinance our mortgage at the exact amount of the existing mortgage. The rate would be about half of what it is now. The amount that was clearly stated was XXXX. We called the number and spoke to the agent. He sent us his qualifications for verification. Everything seemed fine. I told him we had received his company 's letter in the mail. 
The application process took a day or so because I had to send him copies of our XXXX 's, payroll stubs, drivers licence, tax statements, insurance verification and so on. After giving up all and I mean all of our personal information, including SS # 's, he wrote to us saying we did not qualify for the loan because of the amount. 
I wrote to him and accused his company of fraud. I can send you copies of the letter we received. What worries us is that they now have all of our information. He could have told us the amount was too high right away but instead asked for all information. What is going on? And the letter we received being pre-qualified? If we were pre-qualified for the amount shown then we should have been able to refinance as stated. 
This is a scam and I would like this company investigated. I will take this as far as I have to. I am angry and I have every right to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My GMAC loan was transferred to OCWEN. I was approved for a HAMP modification by OCWEN but found the documents questionable. Interest and fees were added to my principal amount on the modification, unexplained, that further put me upside down, increasing my monthly payment. They tried to say I owed more trial payments even though I made the XXXX agreed payments inflating a trial mod due amount to {$4400.00} based upon XXXX trial payments. Upon questioning the amount and stating that I was not owing add'l trial payments, they have quit sending monthly statements altogether and made no further request for additional trial payment amounts. Arrears and all fees, interest due, etc. were paid in full by my Bankruptcy trustee. I have sent them many copies of proof of this. I requested explanations of modification Principal Balance, fees plus interest added and have been given several contradicting explanations and a breakdown only. They are pushing me to sign a contract where I find the amounts questionable. In the meantime, there have been no monthly statements to insure I am sending correct payment amounts on my current loan agreement ( interest only loan ) which can change due to escrow, or to show how my current payments are being applied. OCWEN is hindering my ability to pay my current payments and insure my account is in good standing until there is a resolution of the proposed modification agreement that I have not signed due to questions. I am unsure if the amount reported to the IRS by OCWEN for interest paid is correct ( interest only payments made vs. what was reported differ ). They have attached a late fee to my mortgage when I have been on time with payments. They returned a payment and claimed ignorance even though they changed the address to ( of which there are many ) send payments to. I was still able to re-send ( with my banks assistance ) my payment before the XXXX of the month deadline and their own documents show it was processed before the XXXX. There is no office to go to, only a call center in XXXX. I have sent inquiries and documents to their recommended RESEARCH Dept. by certified mail. I have received breakdowns of amounts added, but no explanations of how/why they are calculated or applied. The amount of documentation I have is so large, I would not be able to upload it all since this has been ongoing since XXXX XX/XX/2013 but I will download a good portion. I am filing a complaint with the Attorney General 's office in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is about maintenance fee being charged on checking account by Bank of America. Recently, since last 2 months or so, BOA changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, BOA has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went to the Chase bank ( XXXX XXXX XXXX, XXXX XXXX FL XXXX ) on XXXX XXXX to deposit two checks issued from the IRS ( one for {$210.00} and the other one for {$160.00} plus {$45.00} cash ) through the drive thru, to my bad luck the ATM ate everything and nothing was deposited. The only thing I got was a receipt with a phone number to call. I called back the next day since XX/XX/ was a holiday. Chase bank opened a claim to investigate this issue and then they have to close the claim on XXXX because they asking me for proof of the checks. How can I provide proof if the ATM ate everything. Also they dont want to reimburse the cash because they dont have proof. My question isnt the banks log all the info from that day? If they do I think they are doing an horrible job. I would like these matter solve because I need these money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know rgey took over account i brought it up ro date when they called me i payed 60 60 90 90 120 brought all up to date once i found out thanks

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 2020-04-15
Company: EQUIFAX, 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$250.00} XXXX   XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: American Credit Acceptance, LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.

Company response to consumer: Closed with explanation