BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a HAMP modification and was told the package submitted was complete on    XXXX   XXXX   XXXX  . I ap plied because my husband had died and I needed to get the HAMP modification. I have proof that all information requested was provided via email and fax and can provide that proof.   On  XXXX / XXXX / XXXX  there was a request from the bank for a lease rental agreement or Schedule  E and  ( which was sent in as part of the ta xes ) proof of income, both pay and profit and loss and verification of SS income. This had all be en sent in with the original package. I have proof of that.   On   XXXX   I was told that the following documents were needed  : 1 ) business tax return ( which was submitted ) with form  XXXX  and Schedule  XXXX  which was part of the return.     US Ban k claimed they did n't have it but it was submitte d. 2 ) paystubs. All proof of income was provided to US Bank including my salary, my profit and loss as a music teacher and my SS awards. US Bank referred to {$71000 .00} which was on the  XXXX  tax returns. I explained this was when my husband was alive and had no bearing on the income I earned since his death. I had provided his death certificate with the initial submission in  XXXX   XXXX .     The underwriter again asked for proof of the {$71000.00} earned by my husband. All items had been sent more than once and I have proof of them being sent.     This is now my   3rd complaint. The reason being that US Bank continually sending me patronizing responses saying they have not received items I have sent and they must be held accountable. They have thrown me out of the HAMP program I applied for, the one that would help me the most.
We will be happy to provide all corroborating documents. The file provided to the bank is massive and too large to upload.

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 2021-11-19
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/21 I called Harris and Harris Ltd regarding cliam number XXXX. I spoke with a woman I was explained to her that I was on XXXX insurance now. I cant pay this debt. I dont live in Louisiana anymore. She said I see you trying to control this conversation but it doesnt work like like that. So I disconnected before she could cause me more emotional harm. I felt XXXX  and XXXX  by her tone of voice. She was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a  Chase  credit card customer for approximately 8 years. I currently h ave 7 car ds wi th Chase -- 6 personal cards and 1 bu siness card. I have never had a late payment and I have a  XXXX   credit score .  <P/>  Two days  ago I was shopping and went to  use my Chase bu siness card. It was declined. This was very frustrating and embarrassing for me as I had no other form of payment. However, I assumed it was a minor issue. Then I went on my Chase.com account and saw that all of my credit cards were marked with " this account has been closed. '' There was no explanation and no warning. Assuming there must be some mistake, I called i nto Chase on that same day. The customer service representative at firs t had no idea what had happened. Then he put me on hold and said that sometim es Chase will do an ac count " review '' and decide to close a person 's accounts. I told him that that made no sense in my case since I have a perfect payment history, most of my cards have no balance, and I never come even close to maxing out a card. He told me that that was all the information he could provide. I was dumbstruck.  <P/> How coul d Chase just arbit rarily decide to close all of my accounts? This made even less sense to me since I have just recently opened a new account with them, and it had to be manually approved so I had just a couple of weeks ago had someone f rom Chase revie w my account and credit and issue me the new card! The only remote possibility I could think of was that I had recently made a payment to my business card that was returned because of a bank error and I was charged {$39.00} by  Chase. However, I called into Chase about th at and they reversed the charge and I made a new payment so it was not an issue.  <P/> I really ca n't believe this. I have multiple automatic payments set up with those card a nd I use my Chase bus iness card on a daily basis. I 'm now scrambling to make sure that I do n't miss payments on various subscriptions that I have set up through those accounts. I have a high income and have never had any credit issues -- no late payments, no bankruptcy, nothing. The fact that the customer service representative was n't even able to give me a reason for the closure was even more upsetting. This is absolutely humiliating and unacceptable.  <P/> The current balances  on four of my Chase cards are {$0.00}. One personal card has a balance of ~ {$2000.00}, and my busin ess card has a balance of  XXXX  {$900.00}. Neither are past due.  <P/> I searched on  XXXX  and apparently I 'm not the first person that this has happened to. Someone recommend that I file this CFPB to help get my accounts reinstated.  <P/> Thanks you, and if you have any questions please do n't hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, this is not a live-or-die matter.     I have a mortgage  with Ocwen Financial. I have  always paid on time.   The specific matter here is a payment they say was received on  XXXX  ( a Mond ay ).   XXXX   XXXX   XXXX  , which sent the payment via my online bill payment account, says it was received on  XXXX  ( a Fr iday ). The { $98.00} penalty   Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the  m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid.      Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes  XXXX   XXXX  look like emissaries of  XXXX   XXXX .     Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by  XXXX  and  XXXX   XXXX , I was prompted to speak out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After 6 plus months of trying to get my account fixed with Nationstar Mortgage and making complaints with you CFPB, this is still not taken care of. No one at Nationstar can do their job. I attached my last email with documents from XXXX XXXX. 2016 and still no response. This company has shown fraud and thief. I would love to leave this company but I can not refinance. Please review the unlawful practices of this company. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Genesis FS Card Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.

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 2017-04-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I paid off a loan in 2 years vs. 5, my credit score went down XXXX points. I have never missed a payment. Only had one late payment in 2014 ( less than 30 days ). These Credit companies are misusing the credit reporting system. When you look at what a XXXX is made from, it states nothing about paying off loans to quickly, hurting your score. I guess companies loose money on the interest, if they are paid too quickly, so they feel spiteful? I am also annoyed with the amount of promotional inquires on my credit report. They are all unauthorized.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX/ {$0.00}

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 2022-04-27
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and the payoff was received by the mortgage company a day or so late after the closing resulting in a negative credit bureau report to my spouse and this has affect several financial matters regarding our rates etc ... We closed on a new home and sold the home in dispute. Prior to selling we have NEVER been reported to the Credit Bureau for negative payment history. The Company is Standard Mortgage in XXXX XXXX, La. We had been customers for 18 years and maintained an excellent payment history. The closing of our home was on the XXXX with the disbursement date the same day. Payment was received a few days late, but it was the final payoff. After getting notified by all 3 bureaus our score dropped over 80 to 90 points on all reports. I tried to communicate this to the Representative XXXX XXXX and he was rude and refused to even consider despite my providing all the financial documents regarding our closing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
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 tried to withdraw {$500.00}, but the machine froze and then nothing came out of the machine on XX/XX/2022.

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 2017-04-25
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

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 2021-11-19
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2017-04-13
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Dear Consumer Financial Protection Agency, I write to report the predatory Student Loan repayment practices of ACS/XXXX. 

My Federal Stafford Loan payment is due on the XX/XX/XXXX of each month. 

I made a XXXX payment ( nearly XXXX dollars more than the required monthly amount ) for XX/XX/XXXX at XXXX The {$150.00} payment was then scheduled for XX/XX/XXXX ( please see attachment ). 

However, ACS/XXXX did not process XXXX payment amount until XX/XX/XXXX, and charged me a {$5.00} dollar monthly late fee. 

This has happened several times with ACS, and is not only unacceptable but unlawful. 

When I called and asked for a credit for this monthly fee, I was informed that, although I had paid in advance, there was nothing ACS/XXXX could do, and they further indicated I will need to make my monthly payment even more days in advance to prevent them from egregiously charging me inexplicable fees. 

Please help. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from XXXX telling me that the payments should be sent to them starting XX/XX/XXXX and that my new servicer XXXX XXXX starts XX/XX/XXXX - I sent the payment to XXXX on XX/XX/XXXX. I got the payment back from XXXX telling me that I should have sent it to XXXX. I then sent it to XXXX and they sent it back saying they don't know the servicer and changed the name from Flagstar bank to XXXX and that the account is unknown. I didn't send the payment for XXXX until they tell me where I'm supposed to be sending it.

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 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hello, I was hired by this company called XXXX XXXX by a man called XXXX XXXX. He said I was hired and that they were going to send me 2  checks for the amount of XXXX XXXX  to buy the equipment. Well, the checks were fake, the man was fake and the checks of course bounced. I called Bank of America explained what happened and they told me it will take 90 business days for the claim to be resolved and possibly get a refund and my account back to the way it was an not negative {$1900.00}. The holidays are coming and I have more than enough proof that I was scammed. I will attached everything I have and hopefully I can get this resolved earlier than 90 days.

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 2022-04-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Discover Card : XXXX As it appears on account : XXXX I have just been made aware of these charges. Discover claims they have me signing up for the service in XX/XX/2010. Through a verbal agreement. I do not recall signing up for this service nor can they provide my with a recording of the agreement. 
Since XX/XX/2010 until present date an estimated $ 3,800+ dollars have been paid out to this protection service. 
I asked for proof of the contractual agreement and they can not provide me with it. 
And as I stated I do not recall signing up for it.

Company response to consumer: Closed with explanation