BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying for my loan with Loan Care for the past XXXX years. Have been paying automatic withdrawal from my wife 's bank account to them every other week ( XXXX payment each time ). Everything was good until I got a notice that I was delinquent for XXXX payment. Come to find out that they placed XXXX of my XXXX payments into principal, which I had no intention to do so ; should have been applied to my monthly bill. I contacted Loan Care and they were able to do a principal reversal ( only after several follow up calls ), however I was still reported delinquent 30 days to the credit bureau. I have made a formal credit dispute to LoanCare because I feel that it was an error on their part that made me delinquent. In addition, if I knew I was late on a payment ( have not received any monthly statement from them, although they swear that they mail it out to me ), I would of paid them in full ( which I am doing right now ) ; I still have n't received any statements from them. 

My XXXX credit dispute is still pending a decision, however it is very frustrating to know that an error of placing my payment to principal and not having any paper trail/monthly statement to inform me of delinquency has effected my and my wife 's credit score ( around XXXX initial, now XXXX ; good credit report : paid all my creditors on time and provided this history to Loan Care ). 

I would like Loan Care to be held responsible/accountable for the above error that made me/my wife delinquent and to provide me with paper statements ; correct the delinquency with the XXXX credit bureaus. My wife and I make payments religiously and have worked hard to build up our credit ; it is not right that a servicing company could allocate funds in-correctly and not inform myself ( consumer ) prior to reporting to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n  XXXX / XXXX / XXXX  prove so they can reevaluate my loan and approve my Deed in  Lieu. I fi le bankruptcy on  XXXX   XXXX ,  XXXX . Stating all liens were cleared and satisfie d. Ditech is  refusing to provided me prove of the liens that are showing on my tittle. I am tired  Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for  XXXX   XXXX ,  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TD BANK US HOLDING COMPANY
State: WA
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:
Hello. I Have a XXXX XXXX XXXX card and one of my payment went late because i lost my debit card and i blocked that. Due to that credit card payment didnt went through. As soon as i realize that i pay them straight away but they put missed payment and negative impact on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an online and mobile banking account with Citibank for 5+ years. I have two active credit cards and 3 closed savings account that are linked to my online credentials. The credit cards have been active for multiple years. The 3 savings account were closed around XXXX 2021. I am able to view statements and manage payments to all 5 accounts up until XX/XX/2021. 

In XX/XX/2021, I am no longer able to access my online banking account including mobile banking. Every time I login, I am directed to an " Activate Your Card '' page. This is not due to an incorrect or invalid username or password. I have no cards to activate and I can not get past the card activation page to view any of my accounts. This is the same behavior observed on the Citi mobile app. 

Multiple citi representatives have confirmed that : 1. I was able to successfully login. Confirming that there are no issues with my login credentials.

2. They were able to verify that I have 5 accounts. ( 3 closed savings and 2 open credit cards ) No one has been able to offer a resolution to regain access to my accounts. Credit card department says issue is with my closed accounts. Banking department says the accounts are closed and they can not override the Activate Card page. 

The fundamental issue is a bug in their online banking system. Why am I being redirected to an Activate Card page when no cards have been sent to me to activate? Why should a closed account prevent me from seeing my active accounts? Why is this issue taking place now when no changes have been made to my account since XXXX 2021? 

I need access to my online account to : - Pay my current credit card balances- View and manage the two active credit cards - View banking statements for the three closed bank accounts - View 2021 tax documents for the three closed bank accounts I've called 3 times, talked to credit card department 3 times, transferred to tech support twice, transferred to banking department 3 times. No one has been able to resolve my issue and I am still not able to login to my 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 2017-04-19
Company: MORGAN STANLEY & CO. LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is necessary to involve the loan originator and debt owner in reviewing complaints #  XXXX  and #  XXXX .  Morgan Stanley  needs to exercise oversight of its loan servicers to ensure that its customers are treated fairly and respectfully, and to keep them from creating more risk than they protect. That is certainly the case here. Customers do not consume their homes. They are a necessity of life. Loan servicers do consume them.     I have {$70000.00} to {$80000.00} of hard earned equity in my property against the {$55000.00} total debt. That merits fair treatment and direct communication to resolve the issues. I have arranged the means but need reasonable deadlines and timely responses to requests for the necessary information have I needed. I need to be allowed to speak directly and consistently with someone in authority, not a call center.

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 2017-04-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Modification.  This has been  a 10-year iss ue ( mortgage was born   XXXX   XXXX  , negative amortization ), the pursuit and continued pursuit of a loan modification.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  , and now the loan servicer is " Shellpoint ''. I am in currently review for a loan modification, submitting documents full of bank statements, paychecks and more. Before my application is even fully received, a notice of trustee sale date has been assigned -   XXXX   XXXX   XXXX  . I have called them everyday, and receive the same message about them needing paperwork - and I have sent this paperwork, I feel they are stalling and are actively looking to foreclose rather than modify.  Two w eeks ago,   XXXX   XXXX   I am callin g Shellpoint an d sending requested documents.   XXXX   XXXX   I call, and they say no documents received.   XXXX   XXXX   I call, and they are closed for the  Holiday .   XXXX   XXXX   I am calling, and they say no documents received. Later that morning, I receive certified mail stating a trustee sale is scheduled  for three  weeks. Later that day, I cal l Shellpoint an d they say the documents received, are not complete.   XXXX   XXXX   I call - and they continue requesting documents that have been mailed, faxed & emailed. I have never spoken to my " Single Point of Contact '' - NEVER, and I have tried calling each  one o f these single point of contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I bought a vase for {$4.00} on XXXX XXXX, with {$5.00} for shipping. I received a notification that the seller by the alleged name XXXX XXXX, canceled the order. I did not receive a refund, so I contacted XXXX on messenger. She did not make sense, so I filed a claim with XXXX, which was immediately closed. XXXX said I had not been charged. According to my BMO Harris online app, there was a pending charge on XX/XX/XXXX for {$9.00}. The next day the record of my transaction disappeared, with no refund. I called customer service and they said they had no record of the transaction from either XXXX or XXXX. Someone had managed to wipe my bank data. Iwould like. a refund of {$9.00}.

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 2019-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I lifted a freeze on my Experian credit report in XX/XX/2019 but lenders are still receiving notices that my credit file is locked. After many calls over two months I finally was told that lenders are unable to access due to their database issue. I am unable to get approved for loans or credit cards due to their lack of urgency in solving the problem. I am unable to receive a copy of my own credit report after requesting one to be mailed in XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I was told again it will take 3-5 business days to resolve and I should receive a credit report in the mail in 7-10 days. This has caused me undue hardship for 2-3 '' months trying to apply for credit to secure a mortgage.

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 2016-09-20
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ) I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ) Experian is liable for damages due to non compliance and shall compensate me for {$1000.00} per inquiry.

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 2017-04-18
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card
Issue: Other

Complaint:
American Express has retaliated against for filing a dispute against them for disputing the two charg es for  XXXX   XXXX . They have been harassing me. They did n't notify me of any results of the outcome of the disputes. They have been asking me to submit all of my personal and business related financial statements to include Bank statements to which I used to make payments with on the accounts. I told them I had would have trouble getting them the information due to the fact that the bank accounts I used have other signors on them. I called  XXXX  merican Express and  cancelled the   XXXX   XXXX   XXXX   ending in  XXXX  #  XXXX   XXXX  {$2000.00}, and the personal   XXXX   XXXX   ending in  XXXX   XXXX . Under the  XXXX   XXXX   XXXX   XXXX  I am protected against " undelivered goods ''. The  XXXX  disputes I have with  American Express   XXXX   XXXX  {$2000.00}, and  XXXX   XXXX  {$2000.00} that I am being billed for that I never received the services/goods from the merchant. I provided them with numerous evidence that I did n't receive the goods and services from the merchant. I have tried to state this t o American Express n umerous times. They have proceeded to harass me and put me under a financial audit demanding all of my financial records which contain confidential information. I never received the goods/services from Madwire Media relating to the disputes with  American Express   XXXX   XXXX  {$2000.00},  XXXX  {$2000.00}. I showed  American Express evidence and proof of this. They have done little to investigate thes e allegations or provide me with any documentation or results. They have escalated the situation by asking for a financial audit. And have used improper language against me over the phone and have used discriminatory  XXXX  terms against me on numerous different phone calls with them attempting to resolve this. I am requesting that  American Express  stop their demanding  XXXX   XXXX  against me and stop demanding bank statements and financial records. I am requesting th at American Express  issue me credit back for the Disputes  XXXX  {$2000.00}, and  XXXX  as I did not receive the goods and services from the merchant. I am requesting that  American Express to s top harassing me.    XXXX   XXXX   XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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 status incorrect

Complaint:
on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}

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 non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Re : Bank of America. 
I went through financial hardship summer of 2020 I was late on payments but I never went a month without paying. BOA reached out to me and I told them what was happening that I was having financial hardship. I was told they would deferred my payments for 3 months and that I didnt have to make a payment until XX/XX/2020 I asked the representative are you sure and she said yes. Three months I saw that BOA went on my credit score I called BOA and they said that they sent out an email to me stating that I should make payment which the representative said it was the interest charge. I told her that I always get emails but I dont necessarily read them. I am now paying a high interest rate and my credit score is beyond messed up. Can someone please 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 2020-03-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had some fraudulent activity months ago about a car accident that I never was involved in. 
I contacted my insurance provider Because I was being harrased about owing and paying a debt that was not mine. 
My insurance clear cover said they would handle the matter. Sent them pictures of my vehicle with no damage and emailed all documents and letters I was receiving. 
It is not 6 plus months later and iam receiving calls and letters from CONVERGENT OUTSOURCING INC Stating I owe {$1600.00} but will settle {$560.00}, I do not owe any one anything, I pay all my debts in full. 
I feel like this is some fraudulent attempt to collect a debt that's not mine or had anythi g to do with me. 
Please any help is much appreciated. 
Thank you XXXX XXXX XX/XX/2020

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 2018-05-31
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt for my son in law brother no relation to me.Her name is XXXX and told me to pass the information on and have him call her she told me she was from XXXX XXXX XXXX and said she would call me again if he didn't call her. She should not call me no matter what I am no relation to the person she is trying to collect from therefore there is a privacy issue. I did not sign for his student loans or was I used as a reference. This is unethical practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
I took out a loan with XXXX XXXX in 2013. I began having difficulties paying back the loan and requested a settlement with XXXX XXXX for less than the entire amount I owed. 
XXXX XXXX agreed to my offer and told me that the account would not appear as negative information on my credit report. 

I recently applied for a credit card and was denied because XXXX XXXX reports the account as seriously delinquent. Previously I have contacted XXXX XXXX and the credit bureaus to have the information corrected. They all tell me it will take approximately 45 days to correct the credit information and then nothing happens. 

This all happened more than 7 years ago and I am told by the credit bureaus that the info will stay on my report for 10 years. 

All of the above not withstanding the credit bureaus are very unhelpful. It is almost impossible to get through to them and when you finally do the representatives are very disinterested in your particular situation. In addition the credit bureaus are only interested in up-selling their credit monitoring services. Which even if you buy will do nothing to fix your credit.

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 2022-05-01
Company: SYNCHRONY FINANCIAL
State: CT
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 credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation