BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have settled out of this account. The status of the account still states a balance and should have a XXXX balance and report as settled in full. Please update this so that lenders are provided the CORRECT and ACCURATE information that is NOT misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We, XXXX and XXXX, do not owe a debt to DITECH FINANCIAL for the following reasons. It or its predecessors repeatedly acted to financially injure us in amounts that far exceeded an alleged debt, in violation of the contract and State law. In XXXX instance, the original lender, XXXX, or its agent charged my account approximately {$5000.00} in " legal fees '' but fraudulently reported the amounts I paid to the Internal Revenue Service as mortgage interest paid. We complained to the companies and demanded that the money be refunded or credited to the account. The amounts paid to the companies were applied illegally to " legal fees, '' but not the principal balance or " mortgage interest. '' The amounts paid to the companies, including damages far exceeded the alleged loan obligation. 
Further, under the laws of the State of California, the statute of limitations prevents them, or their agents or assigns from obtaining a judgment to collect on this expired, fraudulent claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB I received a modification, was current on the payments. the started sending payments back, then later found out they blocked my account internally. Since they made an error and wo n't remove any late fee 's or lawyer fees they added to the balance to allow me to become current would this become a breech of contract? If you are behind and they refuse It is your fault ... but I was not behind and they still rejected the agreed modification payment. keep in mind I had already made XXXX of them ... and they started sending them back to me with no explanation as to why ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2015 XXXX XXXX, as Trustee for the Benefit of XXXX XXXX XXXX XXXX XXXX XXXX, received a " loan payoff '' payment in the amount of {$760000.00} to liquidate my mortgage loan # XXXX following a foreclosure sale. 

At the time, the unpaid principal balance of the loan, inclusive of unpaid interest added to the principal in accordance with the loan terms, was {$740000.00}. As such, XXXX XXXX received {$25000.00} more than it was owed. The overpayment was confirmed by the " Prepayment & Loan Liquidation Report '' published XX/XX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, which reported the overpayment as a " net gain '' ( see attached ). 

I twice tried contacting XXXX XXXX regarding the overpayment ; and each time I received a generic response from Mr. XXXX XXXX advising me to contact Nationstar, the loan 's servicer, allegedly because XXXX XXXX had nothing to do with the foreclosure proceedings. 

However, it is undisputed that : ( a ) XXXX XXXX was the named plaintiff in the foreclosure action ; ( b ) The Clerk of Courts made the disbursement check payable to XXXX XXXX. 
( c ) XXXX XXXX reported to the Trust 's investors that the liquidation of my loan resulted in a 3.48 % " gain '' ( see attached ) ; and ( d ) Under Florida Law [ 45.032 ( 3 ) ( a ) ] surplus foreclosure proceeds  belong to the owner of record, and not the lender or its servicer. 

The CFPB needs to get involved, because we are approaching the 5-year statute of limitations for me or the Bureau ( or both ) to take legal action against XXXX XXXX for its civil theft of my surplus  foreclosure funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan was in pay-off status through the Department of Defense and it has take over a year and still Navient, Inc has not applied missing payments. I provided Navient with proof of payment, however they have never contacted me and have failed to find these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am not responsible for this bill. This bill is from XXXX medical center and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSWORLD SYSTEMS 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:
TSI ( Transworld Systems Inc. ) sent me a letter saying I owe {$3800.00} ( random charge {$3200.00} + random fee of {$590.00} ). They said this is for " XXXX XXXX XXXX XXXX '' and didn't provide any other details. I've never lived in XXXX XXXX and have nothing to do with XXXX XXXX. Only debt I have is XXXX Credit card, my car and my motorcycle, which has nothing to do with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MD
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:
According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 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 2017-03-24
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My Great Lakes, servicing my private student loan for XXXX student loans, is holding on to my Student loan repayment for interest while they send me on a wild goose chase to provide proof of the checks that were sent. I qualified for a military Student Loan Repayment Program ( SLRP ) in XXXX. The SLRP required my lender/loan servicer ( Great Lakes ) to send out a form with my account number, verifying the amount I owed. After several hours on the phone in XXXX and XXXX XXXX, I found out that Great Lakes sent out the form with a wrong account number ( form is attached signed by a Great Lakes Research Specialist ). They have received checks for just over {$14000.00} at the correct PO Box address since at least XXXX XXXX, but now claim that since the account number was wrong on the checks, they can not apply any payments to my account and need me to provide copies of the checks sent to them in order to find the said checks. The only proof I have that money has been paid is the XXXX I received for the payment. Since the military is such a large bureaucracy it is taking a long time for them to provide copies of the checks. Meanwhile, Great Lakes continues to hold {$14000.00}, which I imagine has been cashed into an interest bearing account, while waiting for me to provide proof they cashed the checks. So that when I do provide copies of the checks, they will apply it to my loans. I should not be sent looking for checks after they provided the wrong account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have submitted a complaint previously regarding the same issue. I 've had a XXXX attempted credit card opened in my name without authorization. You all continue to blame fraud as to why I continue to have Chase credit cards being opened under my name for an XXXX XXXX credit card. You all have a partnership with XXXX and clearly a breakdown in security. I still hold Chase accountable for such relationships and the main source to a. ) running my credit and b. ) opening an account without doing any of your own due diligence. You simply accept what XXXX XXXX submits to you with no care whatsoever. I still believe you all are responsible call it fraud or not to ensure accounts are not being opened just for the sake of opening them. Has anyone checked to see if the employees of XXXX are being compensated for opening up accounts? How is this any different from what XXXX XXXX did??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called Transunion and spoke to XXXX XXXX. I informed her that several inquiries on my report were reinserted on my report after previously being deleted. I got this information at the result of my credit monitoring. The inquires are : 1. XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX and XXXX/XXXX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8. XXXX XX/XX/XXXX, 9. XXXX XXXX XX/XX/XXXX, 10. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 11. XXXX XX/XX/XXXX. I asked XXXX XXXX to permanently remove the reinserted items but she refused, even after confirming they were removed and then reinserted. I expected Transunion to follow the laws that are in place to protect us consumers.

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 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received from the Bank of America a XXXX card that I did not ask for and did not want. Went to the Bank office here in XXXX Ca. where I asked for an explanation and what I got was insistence that I should keep the card regardless if I wanted it or not. The argument lasted over half houer because the XXXX put me on the phone talking to someone that also insisted that I keep the card, I was getting very aggravated when finally he had the nerve to ask me if I had other accounts with other banks, I responded that it was none of his business.

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 2022-04-17
Company: EQUIFAX, INC.
State: MD
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:
According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 'm an XXXX. On or about XXXX XXXX, 2014, I received an email from a person who purported to be a woman in XXXX trying to collect monies due on a divorce settlement agreement entered here in Illinois, and asking my assistance for this purpose. I entered into a retainer agreement with her for this purpose, and she sent me a check for the retainer and put me in touch with her alleged ex-husband. The arrangement was that he was to send me checks for the settlement amounts, and I was to send them to my client through my business account at Chase ( where my client also had an account. ) The client gave me her bank info so I could wire transfer the check amounts to her account. The first XXXX checks went through uneventfully. The XXXX check ( well into the XXXX figures ) was paid as a wire transfer by my branch of Chase [ NOTE THE CHRONOLOGY HERE! ], but then the original check was refused for payment because some of the information on its face had been altered. When I was informed of this, I attempted to contact the client, with no success. I have tried a couple of time since then, but have still had no success. 
A few weeks later, Chase froze all of my accounts ( XXXX of them ), and they are still frozen. They have notified me that I am responsible for repaying them the XXXX-figure check. I could not possibly do so, even if I liquidated all my assets. Chase has essentially impounded roughly {$12000.00} of my funds. They continue to levy regular bank charges on both accounts, and to send me statements and other mailings. 
I retained an attorney for this matter last year, but he was conflicted out of the case when he became employed by a firm that represented Chase. His approach to the case was less than helpful to begin with -- it was his feeling that he had done an adequate job in that Chase had not actually filed suit against me for the XXXX-figure check, even if they had also not returned my funds. 
Although I am XXXX myself, I have no expertise in banking matters, and we all know what XXXX says about XXXX anyway. 
I have all of the documents that exist in this case, and have also sent copies of them to Chase, and will be glad to send them to you on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : 1. Call before XXXX or after XXXX. or at any time or that they are given notice that it is inconvenient to call ( FDCPA 15 U.S.C. 1692c ) 2. Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d ) 3. The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 4. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c ) 5. Violation of Fair Credit Report Act by listing this disputed account XXXX on XXXX credit bureaus, causing more negative credit factors and lowered scores- Sending false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) It is my contention and intention to prove that the defendant has violated the aforementioned consumer protection acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 I opened up a checking account that had a {$300.00} sign up bonus. After I met the requirements, I contacted PNC via chat. I was told the requirements for direct deposit and debit transactions was complete. I also inquired if there was a minimum balance I needed to keep in the account and I was told no.When my bonus did not post, I inquired again and was told an investigation would be initiated. When I did n't hear back, I inquired again and was told I had not met the requirements. In addition, I was charged a {$25.00} checking fee for not keeping {$1500.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: NY
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 never activated a credit card that was established through XXXX XXXX ; and the name in which the credit card is established is inaccurate ( so I am not sure what type of onboarding and KYC processes they have that it would not identify this situation ). I never activated the card or processed any charges to such card given that the account is not even in my correct name ; yet they proceeded to charge me an annual fee and begin late charges against an annual fee. I have since closed it as I felt that was the only way to stop the issue from continuing ( however, it was never activated or used to begin with ). I am attempting to resolve the annual fee and late charge issues - however, there is no way to establish contact with them to discuss the above without setting up a mobile account which I do not want to do. Their phone line leaves you in a dead end. As such, conveniently enough there is no way to resolve the above situation.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment showing on my report. I am attaching the paperwork from the clerk of the courts office showing this is satisfied and needs to be deleted. Clerks office said they do not report to the credit bureaus and suggested I go through this site.

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 2016-12-19
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Penn Credit Corp contacted me about someone else 's debt. They called my phone number and asked for someone else. When I asked, the caller provided company name and phone number for a Do Not Call complaint. When I asked what the call was about, the caller initially refused to say anything beyond something like confidential business information, and could not discuss with a third party. However, during this time, I XXXX the company name and the caller confirmed that she is a debt collector -- thereby revealing the person she was asking for owes a debt. 

Debt collectors put themselves into a conundrum by calling third parties. They can not reveal to that third party that they are attempting to collect a debt, but they also can not hide the fact that they are a debt collector. The only solution is to not call other people in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was added as an authorized user on this JCPenney credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with JCPenneys as well as XXXX. This account is not showing on any of my 3 credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against JCPenney ( synchrony Bank ).

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 2016-09-20
Company: COAST PROFESSIONAL INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been paying on my son 's student loan for 10 years now through my social security check. It started out at {$2000.00} in XXXX. I have paid {$17000.00} at this time. They say that I have a balance of over {$5000.00} left. Now I find out that my son has been paying 15 % every two weeks from his paycheck being garnished. It has been this way for him for 2 1/2 years now. They tell him that his will not be paid in full until XXXX. Something is not right here and drastically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went from XXXX to XXXX loan, tranferrred to XXXX loan. 
I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.

Company response to consumer: Closed with explanation