BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-26
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Servicer will not record loan modification documents with county clerk. Documents were executed on XXXX/XXXX/2015. I have told many times by the servicer the documents had been sent to county recorder on the same date ( XXXX/XXXX/2015 ). I have went to recorder 's office and called repeatedly, they have no record of receiving documents. Loan mod is not legal if not recorded. It has been over two months, there is no reason this should not have been completed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: DISCOVER BANK
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:
The account was closed but the balance still show for an amount of {$1700.00}. this is an incorrect amount the balance should be  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is an issue with Chase Bank and there rewards amazon visa. I had setup auto pay and somehow it misteriously got unset. Meaning my account was on auto debit per my last conversation with a chase rep in   XXXX   XXXX   XXXX  . It was setup so no payment would be missed. Dealing with  Chase  over the phone is painful and so time consuming to the point that it forces you not to want to deal with them. final resolution is repayment of any and all late fees and any derogatory remarks filed to any credit bureau 's. I have reset up automatic payment again as off   XXXX   I will take screen shots to prove it has been set up again and if it happens again in the future and payment is missed do to the auto pay option not functioning I will file with a court of law for unethical practices. Please note no auto pay has never been denied by my bank either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I ask to XXXX, XXXX and XXXX for my annual credit report and I found out that this collection company by the name MIDLAND FUNDING with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX with phone number XXXX have my personal information and make a report to my credit that I owned money to XXXX creditors the first XXXX is XXXX with account number on my credit report XXXX and to original creditor XXXX with the account number on my credit report XXXX. Originally I never did a contract with Midland Funding or authorized them to work with my personal information. The debt that I had with XXXX it is already too old passing the 7 years and the XXXX with XXXX is illegal because I do n't know them or did any contract or agreement with them in the pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Order a  free trial and paid shipping and handling.  Company has  automatic charges start after 18 days and did not send any new product s. Company th en said the {$110.00} charge they charged us for was for the trial. The advertising says free trial just pay {$4.00} f or S & H. T he company is bogus and has tons of complaints on  Internet.  My credit card company of 20 years will not credit us the charges that we filed as fraud. Citicard managers do not understand they just lost a long term great client to back a bogus money grabbing compan y. Citicard  will not be used in our house again.

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 2017-02-04
Company: Komyatte & Casbon, P.C.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Filing action with court multiple times even though I have a payment agreement inplace. I believe they searched out my name a acquired any accounts and filed claims, knowing that they could collect more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Dear Sir/ Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Barclays XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report.Barclays has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 I opened an account with Bank of America and I transferred funds from another account with them an was wanting to make a purchase online through plaid services and also XXXX and also ACH and continued to even enroll in the online banking I've been having trouble with their app saying that I'm not allowed to online banking option but then I go on my Chrome Explorer and I'm able to log in to my account and have my agreements and everything disclosures that they have given me saying that I do have online enrollment and so now I'm trying to purchase something through other ways to purchase, still they are blocking my payment for purchases when I have Mobile online banking I just haven't got my card in the mail yet because I just signed up a couple days ago this is unbelievable and irritating because it happens to be night time where I can't get a call Representative online to talk to so very inconvenient very frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: Certified Credit Associates, Inc.
State: TN
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:
Had been receiving threatening calls about debt owed to an apartment complex. Asked if wanted to make payments and was told if I did not that I would be sued and it was about to be taken to court.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I have paid the agreed settled account 60+ days ago and the refuge to XXXX out the account and update my credit reports

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 2017-05-09
Company: Credit Card Receivables Fund Incorporated
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on    XX/XX/XXXX       XXXX   XXXX   XXXX   XXXX    address   XXXX   XXXX   XXXX   XXXX  , new jersey  XXXX  Phone number  XXXX , filed case against me case number   XXXX   XXXX   in   XXXX  county  on beh alf of UNIFUND CCR, addr ess   XXXX   XXXX   XXXX   XXXX   OH  XXXX  phone number  XXXX , which was dismissed  on  XX/XX/XXXX  b ut till today 's date    XX/XX/XXXX    there is a judgement showing on my credit report by Unifund when I call  Unifund th ey told me to call   XXXX   XXXX   XXXX  . when I call   XXXX   XXXX   XXXX   they told me that they have nothing to do with this case. I have to call unifund so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me   XXXX   XXXX   XXXX   they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( Unifund ccr ) records but my  XXXX  credit report showing that   XXXX   check my report  on   XX/XX/XXXX   I ha  ve the proof if u want I can submit them to I think this is a fraud.      unifund ccr this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: 360 MORTGAGE GROUP LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a condo loan that I refinanced. Currently with  Ditech  mortgage. I originally lived in it but moved out due to the elevator not working  (    XXXX   XXXX    XXXX  veteran that   XXXX   XXXX   XXXX   XXXX   ).     I was told that I would have PMI and was not given any PMI disclosure form or anything to sign. I had assumed that it would be discontinued automatically a t 80 %   equity. I contacted  Ditech  at that point  (    XX/XX/XXXX  ) sin ce I had always been on time with my payments and had paid my mortgage down quickly. I was told that in a lette r  XX/XX/XXXX  I wa s a t 78.6 % an d it was not going to be removed until I was a t 70 % .. Sinc e that time, I have written a letter requesting a copy of the PMI disclosure, and called them asking for it. I talked to  XXXX  on    XX/XX/XXXX     XXXX   pacific time . She said my appraisal was  XXXX  and I was scheduled to have PMI removed at  XXXX . She could not find a copy of my PMI document electronically but requested it from archives. I had previously been told my automatic removal date ( before beginning the paydown would have been   XX/XX/XXXX .  I continue to pay extra on my mortgage and would never have agreed to refinance with a removal at 70 % since this would not have gained me anything on my refinance. I feel my PMI should be removed immediately and all PMI refunded when I hit the 80 percent. I have no desire to pay for an appraisal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
O n   XXXX   XXXX     2017 I we nt to my local grocery store (   XXXX   ) at approx  XXXX  at that time ... .according to m y mobil app  with bank of Americ a ... .. my  balance was {$52.00} ... my purchases totaled {$24.00} ... later that night after the store was closed ... approx  XXXX , I went to Bank of America ATM on  XXXX   XXXX  and  XXXX   XXXX   XXXX  NY  XXXX  where I withdrew {$20.00}. I DID NOT get a notice from the ATM during the withdrawal that this transaction would " exceed the balance thus incur a {$35.00} charge '' ...  ..The next day I receiv ed my routing morning text message notice stating that my account is overdrawn by {$46.00} ... I went to the computer and discovered that the {$35.00} over draft fee was the cause of the overdraw.     I made a call to B of A ... .their explanation was that what I am able to see on my app as well as my online banking is not accurate and that at the time I went to the grocery store there was only $  XXXX  .and     chance ... but NOT the {$52.00} that both my online banking as well as my app reflected. Despite my protest they are unwilling to reverse the {$35.00} fee

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 2017-05-09
Company: EQUIFAX, INC.
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:
On   XXXX   XXXX   XXXX    , I applied for a mortgage loan. The lender pulled my credit reports and notified me of  XXXX  collections being reported, which I am certain do not belong to me.     On   XXXX   XXXX   XXXX   I mailed a letter to the information furnisher requesting debt validation.     On   XXXX   XXXX   XXXX   I faxed personal identification documents to Equifax including a copy of my driver 's license,  XXXX , and utility bill.     On  XXXX   XXXX   XXXX   XXXX   I   mailed a letter to Equifax disputing both collections as errors. I informed Equifax that the accounts were not mine. I also advised them I had already contacted the information furnisher to request debt validation, which they had not provided to date.     I received the dispute results from Equifax dated   XXXX   XXXX   XXXX    . For both collections, Equifax stated We verified that this item belongs to you.     Since I never received any response from the information furnisher directly, I wanted to know how Equifax was able to verify these erroneous items. On  XXXX   XXXX    XXXX  , I mailed a letter to Equifax, requesting the method of verification and contact information of the person who verified the accounts.     I received a response from Equifax dated  XXXX   XXXX    XXXX  . It was a description of the general procedure Equifax often uses to investigate disputes, but did not provide any details regarding my specific situation. Equifax ignored my request for the name and address of the person who verified the accounts.     I  do not believe that Equifax conducted a sufficient investigationor any investigation at all. I would like them to provide me with specific information about how the accounts were verified ( including documentation used ), as well as the name and address of the person contacted at the information furnishers company. If Equifax can not provide these details, then the only acceptable resolution is deletion of both collection accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I never received my monthly statement for the billing cycle, and I missed my payment. My credit dropped by XXXX points for this one time missed payment.

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 2017-05-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have  XXXX  bankruptcies on my record that are not mine I 've sent in letters showed proof they advised they verify through  XXXX   XXXX  who advised they have NO RECORDS on file for me. I have filed many many disputes now it will be here and better business bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like to ask  JP Morgan Chase & Co.  to response in this channel why they make it as a company 's policy for the maximum time frame to dispute a transaction is  XXXX  billing cycles, which is 60 days, while effective for transactions processed on or after   XXXX   XXXX   XXXX    , the maximum time frame has been increased to   XXXX   days for card absent charge, from  XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian does not look at any of the documentation I submit. They refuse to acknowledge previous CFPB investigations and will not process any of my disputes. I have tried numerous times to submit information, but because they did not look at the information the first time, I am no longer able to dispute anything. I am completely left in the dark as far as the investigations go. They give me no information. As soon as I submit a dispute, it is instantly ( within 1 minute ) resolved and closed! They never look at any of the information or even request data from the creditor. They just mark it resolved instantly and nothing happens and nobody looks at the files I attach. There dispute system is not compliant with the FCRA and they should be penalized for there blatant disregard to legally allowed disputes under the FCRA. They make it impossible to file a dispute. I have attached XXXX example of them being involved in a CFPB investigation but not doing anything and not doing what they said they would do. They refuse to look at information I have relating to companies fraudulently removing payment information to keep bad data on my report for longer than 7 years from date of first major delinquency. They do not remove items when they are supposed to fall off and you can not dispute them to get them to remove them when they are no longer able to be legally reported. They need to be fined for violating the FCRA for not processing disputes legally and fraudulently claiming they did everything required by law in under a minute. This is the only company that you can only submit XXXX dispute per account over the lifetime it is on your report regardless of the reason for dispute. They say you can, but there is no way to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an issue with predatory lending. The loan originated with   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   during the height of the mortgage crisis. Unfortunately for me, this loan has been transferred to several loan servicing companies from  Litton and currently Ocwen.  I have a good credit rating and do not want to see it compromised because of this loan. Conversing with  Ocwen has resulted in N O RESULTS. The loans are neither   XXXX   XXXX   nor   XXXX   XXXX   so I can not apply for a HARP loan to refinance my mortgage. I am have read several things online about the horrors of these loan companies and  Ocwen th e loan servicing company, but do not know what to do. I need some help. Because I am  upside down in my mortgage, no one will offer me an opportunity to refinance my mortgage.

Company response to consumer: Closed with explanation