BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-18
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. 
Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. 
The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ALLY FINANCIAL INC.
State: AL
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:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX  XXXX XXXXAlly Financial x2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
My student loan servicer, XXXX, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Problem with personal statement of dispute

Complaint:
Bank of America says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXXXXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.

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 2015-11-19
Company: Cochren Bailey & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
These people call 3 to 5 times a week, they do n't mention a person to be contacted, just that if we do not contact them the " matter which they do not mention '' is going to go into litigation. I know this is a scam! STOP THEM! the number to contact them is as follows.XXXX Apparently I am not the only one. there have been numerous complaints about this number on the net trying to collect money for charges or accounts that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX the company neglected a roof leak and state mandated item cause my leasing agreement to be broken. I have attempted to rectify and even filed suit in regards to retaliation for request to repair. The amounts charged have not been solidified or over charged by more than {$2000.00}. Please be advised I am actively in a lawsuit & have not authorized any of my information to be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XX/XX/2022 I received an email from TD bank thanking me for opening and account. At first I didn't open the email, until I got a follow up email informing me that my email address had changed. I then called XXXX bank inquiring about the said account. I informed them that I never opened an account, they instructed me to report the matter to the police, credit bureau and check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect over XXXX from me and the car was n't even that much to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello- For the last XXXX years, I have tried to update the checking account on file that my Chase Credit Card charges in automatic billing. I no longer store funds in the checking account on file so each time Chase processes a credit card charge, the checking account on file becomes overdrawn and I'm hit with an overdraw fee of {$35.00} by the bank with which I have checking account ( not Chase. ) I am also assessed fees of varying degrees by Chase for being late on my monthly payment. I have tried to call several times over the past XXXX years to resolve this, and have tried to resolve it online. Chase support agents have not been able to update the checking account on file, claiming only I can do that on my online XXXX account. I have explained to them that I try to do so but the " Manage '' button for automatic billing does not work on my account, and therefore I am unable to make the update. I have asked to disenroll in automatic billing instead which they have failed to complete and which I am unable to do within the XXXX  application. They further claim that I do not have any other checking accounts connected to my Chase account, even though I pay from another valid checking account every single month. I don't enter the info for that account from scratch each time I pay. The account is in fact stored as my default manual payment option when I manually pay my credit card on the XXXX application. Despite that, they claim the account is not connected. This dilemma has cost me hundreds in overdraft and late payment fees and may have impacted my credit. I am at my whits end for resolving this as each time I call, I'm cycled through a circle of agents, none of whom believes a solution to my problem exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX keeps sending this debt to different agencies after it was already disputed and removed off my credit report. They are illegally do this. Jefferson capital system is now reporting this on my credit report. Please remove it ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: National Credit Systems,Inc.
State: TX
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:
On XX/XX/2020 I notified National Credit Systems and paid off a debt of {$980.00}. I was assured by National Credit Systems that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Synovus Bank
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX of XXXX I closed my credit card account with First Progress. It was a credit card account which required an initial deposit of {$300.00}. At the time of closure I had a zero balance. I called customer service and confirmed that the balance was XXXX, requested to close the account, and I verbally requested an immediate refund of the initial deposit amount of {$300.00}. The customer service person stated that I would have to fax over a written request for the deposit money to be returned immediately. I faxed over a written request for the immediate return of the initial deposit money. I received confirmation from First Progress on XXXX/XXXX/XXXX indicating that they had closed my account as requested. Greater than eight weeks have passed and to date XXXX/XXXX/XXXX No refund of my deposit has been issued. I am requesting that my refund be issued immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05
Company: Metro Republic Commercial Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
METRO PUBLIC COMM SVCS has been littering my credit report with fraudulent claims of owing a debt. I 've instructed them I was the victim of identity theft & they continue to report unverified/unvalidated accounts or claim these are new accounts, reaging are violations of the FDCPA & FCRA. I would like all references of METRO PUBLIC COMM SVCS removed from all my credit reports ( yes plural ) immediately. I 'm attaching the police report again. If these accounts are not removed STAT i will be seeking legal representation for violations of the FDCPA & FCRA and seeking damages for intentional infliction of emotional & financial stress ...

Company response to consumer: Closed
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, Equifax, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX Consumer Financial Protection Bureau Mortgage payment assistance/Consumer Complaints RE : - incorrect mortgage principal balance and interest overpayment Dear Sir/Madam, Our mortgage principal balance is substantially incorrect. 
It is incorrect to approximately {$160000.00} over stated. 

We purchased our home in XXXX XXXX for {$160000.00}. We put {$27000.00} down payment. 
We have been paying on the mortgage for over 26 years. 
The principal balance on XXXX XXXX, XXXX was {$110000.00}. 
The current statement as of XXXX XXXX, XXXX shows our principal balance is {$250000.00}. 

The problem starts in XXXX XXXX, our mortgage was transferred to Ohio Savings in XXXX without our knowledge or approval. 
On the first mortgage statement that we received from Ohio savings on XXXX XXXX, XXXX the principal balance was {$280000.00} exactly. 
There is no honest reason the principle balance went from {$110000.00} in XXXX XXXX to exactly {$280000.00} in XXXX XXXX. 
We are aware of the mortgage scandal during these years and believe we are victims of this scandal. This is residue from that scandal and could be a rising class action problem to emerge. 
XXXX XXXX XXXX sold our mortgage to Ohio Savings for {$280000.00} or the person handling our transfer entered the wrong principal balance when setting up our account. 

On XXXX XXXX, XXXX I alerted a customer service rep at CitiMortgage by phone about this issue. They recommended that I to fax the paperwork to XXXX Research Department. I followed their instructions of faxing the paperwork that I have to XXXX Research department on XXXX XXXX, XXXX. I have not heard back from them regarding this issue. 
I am aware of the law that states the loan servicer is required to acknowledge my request within 20 days and XXXX has violated those rules. 
On XXXX XXXX, XXXX ( one week later ) I received an email from XXXX stating that our account is being transferred to another lender. The lender is XXXX XXXX XXXX. 

We have been overcharged and have been paying overcharges on our mortgage for over 12 years. 
According to my calculations our mortgage principal should be approximately {$54000.00}. 
And we have overpaid {$90000.00} in interest over the past 12 years. 
I am requesting your assistance in settling our mortgage overcharges/overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.

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 2020-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Bank of America to apply for a mortgage pre-approval. I provided all the necessary documents and there was a hard check on my credit score, but even after changing my bank agent one time and contacting the bank multiple times, I never hear a response back. Eventually my mortgage application vanished from my online banking account without me receiving any response. I recently contacted the bank about it and was told that the application was too old and I had to reapply.

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 2016-02-17
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card with First Progress Card for more than 2 years, a few weeks ago they called to inform that for security reasons my card was cancelled and no more information was granted, after waiting for 2 weeks ( because they do n't have a rush process like most of the credit Cards ) I received my new card. 
For my surprise they cancel my online account where I had all my previous statements, I called customer services where I was advised that all my data were erased, I spoke to the supervise who confirmed all my data was erased. 
I wrote a letter to First Progress Card asking for my previous statements, because I understand that since they decided to stop sending paper statements they should provide me online access to my statements. 
I have no answer for my letter yet. 
I need my statements in order to find some medical expenses to file my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
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  account # XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MS
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:
Data from Experian XXXX XXXX. I dont recognize these accounts at all. These XXXX accounts is fraud. I have disputed these XXXX personal loan accounts 2 times through Experian. Company said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called Experian spoke to the reps to file another dispute for fraudulent accounts on my credit reports again. Please help me to get this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is XXXX XXXX XXXX on XXXX debts, XXXX from " XXXX ''. and XXXX from " Citibank '' on both XXXX and 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