BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am suffering through a very serious injustice and I need your help in correcting the actions of my mortgage servicer, Freedom Mortgage. XXXX XXXX was my loan servicer, but they transferred my loan to Freedom Mortgage, but I was never advised of the transfer. My mortgage payments were made automatically through my bank account and I never really paid attention to whether or not it was paid because I had never missed a payment in eight years. However, when the loan transfer occurred, I had no knowledge and the payments did not automatically go to my new servicer. When I found out that there was a problem, I immediately contacted Freedom Mortgage to make the past due payments, but they said I had to contact their attorney because my loan was already in default. When I contacted the attorney, I was told to address my issue with Freedom Mortgage. 

This was in XXXX of this year and they have put me on a rollercoaster of bad advice and dead end service. Every attempt I have made has not brought any solutions and I have reached the end of the road with them. This situation now has spiraled out of control and I am now powerless against my mortgage servicer after being put in a situation which I did not create and can not fix on my own. I am hopeful that you can help me deal with this situation before I lose my home through foreclosure.

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 2018-09-20
Company: ARVEST BANK GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid {$1700.00} on XX/XX/2018. 
My escrow increased in XX/XX/2018 by approximately ~ {$57.00}. 
Instead of giving me credit for most of my payment and telling me that I missed my escrow difference. They did the following : -Applied the XX/XX/2018 payment to my principle -Charging me for two monthly payments -Charging me a fee of {$50.00} -They called me and threatened my credit I made a payment, but I don't think that I should have to make three payments to overcome an oversight of an escrow increase. 
The company is Arvest Central Mortgage. They are an untrustworthy group of hucksters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: FL
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:
The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX -XX/XX/2020 XXXX - XXXX- XX/XX/2020 XXXX- XXXX - XX/XX/2020 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 non-monetary relief
Consumer complaint received 2020-10-06
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When attempting to transfer money OUT on XX/XX/2020 and again on XX/XX/2020, from my savings account with Marcus by Goldman Sachs, the bank 's system said there was an error and to try again a few hours later. When I called on XXXX, after extended hold, I was told that the bank had mistakenly accepted a deposit from me FIVE MONTHS EARLIER on XX/XX/2020 from my business account. So now, I could not transfer any money out, until they returned those funds back to my business account. They said the transfer would take 1 to 3 business days. I asked if they could provide me some written confirmation that they were initiating the process today, e.g. an email, a text, a letter, etc., so that I would have OBJECTIVE evidence that they said they were initiating the process, should it not come to fruition. They gave me a confirmation number, but said they could not email or mail or provide me any documentation to prove that they made these representations today. I am concerned that this is a problem they contend existed for 5 months, that they never advised me of, and have now frozen all my assets with them, while they contend they are finally doing something about it, but refuse to provide me any confirmation that they are in fact taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX, XXXX, and Transunion have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.

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 2018-09-20
Company: California Business Bureau, 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:
This shows up on my credit report as a bad debt. I have known knowledge of it. 

Account name California business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2014 {$850.00}, XXXX XXXX XXXX XXXX XXXX, ca. 
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 2022-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XX/XX/2022, my husband & I received a promotion in the mail from Citizens offering {$300.00} to open a savings account and requiring three consecutive deposits of {$200.00} in order to receive the promotional deposit. I opened the account in XXXX, 2022 with a {$200.00} deposit and made two more subsequent deposits on or before the XXXX of XXXX and then again in XXXX. At that time I inquired of XXXX XXXX if the opening deposit counted toward the requirements of the promotion. She told me it did. XXXX kept the promotional card with the details and we were no longer able to read the requirements, so during the first week of XXXX, I spoke with XXXX by phone to inquire where our promotional {$300.00} deposit was and he assured me that we had fulfilled the requirements and that the promo payment would be deposited 30 days after our last deposit. We never got it. I followed up with XXXX in XXXX, who contacted Corporate and reported back to me that our opening deposit did not count. I believe this is a bait & switch maneuver and that the bank should never have misrepresented their requirements to us. In view of the fact they represented improperly, I believe they should be required to pay us as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX, Equifax, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern I am filling a complaint against XXXX XXXX XXXX. Before the harassment began they never read me my mini Miranda right provided by the fair trade act nor told me I could dispute the collection account. After nearly two years of harassing phone calls and mail they finally stopped contacting me but now Im calling them to try to validate and settle and no answer nor contact back. Its almost as if they have disappeared and its still on my credit report.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2500.00}

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 2022-07-26
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Received an offer on my XXXXMiles Member account to receive XXXX bonus miles after {$1000.00} purchase if I obtained a XXXX XXXX XXXX. When the card arrived in the mail the paperwork indicated I would only receive XXXX miles. I called customer service, they opened a case and said they did not know of any XXXX miles offer. The following day I received the same offer for XXXX in the mail. I emailed the retention area the copies and have been getting the run around for two weeks. I never activated the card as I had no intention of keeping it if this was a scam. I called today and requested they close the account as I did not wish to pay the annual fee which was billed to me. The paymentioned was due and I was not paying the if I was n't keeping the card.

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 2022-07-26
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am aware that my SOCIAL SECURITY NUMBER belongs to the ( SSA ) SOCIAL SECURITY ADMINISTRATION and anything purchased with that Identifying number is as obligation of the UNITED STATES in accordance with 18 U.S.C 8 and being that you, PAYPAL is attempting to collect a debt from I, the consumer makes you, PAYPAL, guilty and in violation of the FALSE CLAIMS ACT ( FCA ) 31 U.S.C 3729-3733.

PAYPAL IS ALSO IN VIOLATION OF 18 U.S.C 894 FOR USING MY CONSUMER REPORT WITH EXTORTIONATE MEANS AS A WAY TO COERCE AND SWINDLE ME INTO MAKING PAYMENTS ON ALLEGED DEBT NOT OWED. I DID NOT CONSENT AND DO NOT CONSENT TO YOU PAYPAL FURNISHING THIS INFORMATION TO MY CONSUMER REPORT. I did not give you authorization or permission to have my personal identifying information, which you have obtained by AGGREVATED IDENTITY THEFT in accordance with 18 U.S.C 1028A.

THIS A NOTICE TO CEASE AND DESIST OF ALL ILLEGAL ACTIVITIES, INCLUDING REPORTING WHICH CONSTITUTES COLLECTION ACTIVITIES.

THIS IS ALSO A NOTICE EXERCISING MY RIGHTS TO PREVENT THE PROCESSING OF MY PERSONAL DATA BY PAYPAL FOR THE ( 1 ) ACCOUNT OPENED : XXXXXXXX XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: JPMORGAN CHASE & CO.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was exploring cheaper auto loans. I found that I qualified for a 4.5 % auto loan through XXXX XXXX. So I refinanced my car loan which I had with Chase Bank for 7.58 %. XXXX XXXX paid off my account with Chase Bank on XXXX/XXXX/XXXX. Chase Bank then closed my account on XXXX/XXXX/XXXX. I had previously set up an online payment to Chase Bank for {$330.00} from my local bank ( XXXX Bank ). The payment was sent electronically. When I checked the auto loan account at Chase, I found it was closed. So I went to the local Chase bank inquiring why my online payment had not been sent back to XXXX Bank. The officer told me that it would take XXXX10 business days for the money to be sent back to XXXX. XXXX to 10 business days later ( XXXX XXXX ) I called and was told that the payment would be mailed back to me instead of being returned electronically. This would take another XXXX7 business days before I would receive it in the mail. The representative told me that the checks had been mailed out on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I called Chase back and was told that my online payment should have been returned to my Lakeside account. As of today, Chase does not know where this payment is. I have been in constant contact with my local bank, Lakeside, and they have not seen the return of this online payment. The representative from Chase also told me that the inquiry of this online payment would be completed by XXXX XXXX. I asked him what did he mean by that. He said that the investigation into my missing money would be completed by XXXX XXXX. I asked him how was I supposed to make my XXXX XXXX car note to XXXX XXXX without the {$330.00}. I live off of social security and do not have resources to cover this note.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.

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 2016-04-05
Company: SYNCHRONY FINANCIAL
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH XXXX/EQUIFAX and XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX DO NOT RECOGNIZE THESE INQUIRES AND 3 CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH EXPERIAN/XXXX  and XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX OF XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; CXXXX XXXX XXXXnquiry Date XXXX1.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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