BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1 outbound transaction from our account was paid twice, at exactly the same time, to the minute. On XX/XX/22 at XXXX our bank account paid our mortgage {$2200.00}, but did so twice. It was a duplicate transaction. Upon calling and discussing with a USBank rep, they acknowledged that that should not have happened, and yet, periodically does so. The exact matching time of both transactions was a giveaway of a bank error. Had the amount of the transaction been less, she alerted us that she could've fixed it with us while on the phone. Instead, we were guided to the appropriate form to file for a duplicate transaction and subsequently filed it. 

As of this morning, we have received a response letter from an investigative outfit within US Bank. It alerts us that they are unable to remedy the situation since we " authorized the transaction. '' Note that it does not acknowledge plural " transactions '' in that comment nor does it do so through out the rest of the letter. In fact, where the pertinent transactions are listed, only one is itemized. 

Ultimately, having paid our mortgage a month early is not that critical of an issue. But the seeming poor faith and/or banking incompetence here by this FDIC banking outfit is alarming. How many times do they duplicate a transaction and not remedy? What if this have been 10 of the same transaction and the bank simply claimed that they were unable to remedy. If/when they are alerted to a duplication, how often do they fail to actually investigate the array of transactions and instead focus only on 1. The Bank 's response seems woefully problematic, if not entirely inept.

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 2021-01-06
Company: EQUIFAX, INC.
State: NY
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 am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Global Lending Services LLC
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:
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for Global Lending Service, XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of the XXXX security breach, and I also have collection on my XXXX report that has not been removed after I disputed it with XXXX and XXXX and they removed it from my reports. The collection is from Portfolio Recovery in the amount of {$680.00}. I do not recognize this collection and it is negatively impacting my credit score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HSBC CALLED ME 6 TIMES ON XX/XX/2022. I AM BEHIND ON MY PATMENTS. THEY CALL AND HANG UP. I HAVE TOLD THEM TO NOT CALL ME BEFORE XXXX AND AFTER XXXX. THEY REFUSED TO LISTEN. THEY HAVE PUT EXTENSIVE AMOUNT OF FEES, INTEREST AND LATE CHATGES ON MY ACCOUNT. I HAVE TWO CARDS. ALL OF THE FEES AND EVERYTHING COME TO {$400.00}. THE BIG THING IS THEY KEEP CALLING ME 8 TIMES A DAY. I HAVE NOT GOTTEN A BILL SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my home in 2006 with XXXX MORTGAGE. I made my payments every month. My mortgage was for XXXX. My home was sold to Caliber and they are trying to say I owe XXXX. How is that possible? What happened to my equity? I have been trying to get a modification from Caliber and they are playing games with me. They keep asking me for the same papers over and over again this has been going on for almost a year and no modification and they wo n't accept my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My stimulus checks have come into my account and BOA are holding them because they decided to close the account. They can not legally hold my second stimulus check but they are. And not releasing funds to me. Even though they said they would. I just had XXXX  and explained to them I need this to pay bills I have tried to call numerous times and they are not helping at all. They are still keeping my check. And wont help me! I have proof, an email they sent saying these funds are released time but they arent.

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 2015-10-01
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My dispute is against Caliber Home Loans. Caliber used to service my mortgage loan, but it has since been traded to another company. I was reported late in 2014, once in XXXX and once in XXXX. I have spoken with them and they stated they would research and resolve the issue, but to no avail. I 've sent them supporting evidence, but to no avail. XXXX is the only agency reporting this derogatory information. It is my right to have my credit report match. Please note, I had n't missed XXXX payment prior to this loan being transferred to Caliber. I experienced many issues while they held my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My approved loan modification agreement did not reflect the adjusted payments outlined in a letter I received from Ocwen stating that my payments would decrease after my trial modification payments were received. I began making the agreed trial modification payments on XXXX XXXX, XXXX. After successfully making all three trial payments, my payments were to decrease approx. {$250.00} effective XXXX/XXXX/XXXX. I contacted Ocwen to inform them that the loan modification documents that I received, and I have yet to sign, instead reflected an increased payment amount of approx. {$250.00}. I was instructed from Ocwen 's servicing department to contact Ocwen 's research team via written correspondence explaining my concern. I faxed my written concern to their research team on XXXX XXXX, XXXX, along with the supporting statements from Ocwen that clearly outlines the lower payment amount. To date, Ocwen has not responded to my concerns. Instead, after successfully making all XXXX trial payments, Ocwen has denied my loan modification as of XXXX XXXX, XXXX. 
I have contacted Ocwen on a number of occasions just to be tossed to and fro from various persons posing as servicing managers. I will contact legal representation to assist me in my pursuit of retaining my approved loan modification and at the lower payment outlined in Ocwen 's attached letter dated XXXX XXXX, XXXX. Ocwen 's continues to present itself as a fraudulent practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an 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 2022-03-23
Company: Experian Information Solutions Inc.
State: PA
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:
I was a visitor at XXXX XXXX XXXXs. They harassed and stalked me for days. They gave me a lot of alcohol and documents to sign. I woke up with a time share and mortgage I did not want. I asked them to remove it because I only wanted a free vacation. They used bribery and aggression in order to follow me and get me to sign while XXXX. Please remove this account from my profile. XXXX and XXXX do not report the account. It only shows via Experian. Please remove immediately

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please see attachment, it includes my late mothers XXXX certificate in the State of Tennessee. The XXXX XXXX maybe still using her social security number. My mother maiden name is/ was XXXX XXXX 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 2023-02-02
Company: OneMain Finance Corporation
State: OH
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:
Date - XX/XX/23 company - onemain financial issue : website states " wont affect credit score '' if you check your rates. They ended up doing a hard hit on my credit report and wont remove it. 

website - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Atlanticus Services Corporation
State: NJ
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:
Default and Opportunity to Cure To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX XXXXXXXX XXXX I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that financial institutions like Atlanticus Services Corporation, and ThXXXX XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ) use against Consumers like myself. 

According to the information added to the account, I noticed that your financial institution added the comment Dispute resolved - consumer disagrees. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant Atlanticus Services Corporation, The XXXX XXXX XXXXi ( ASPIRE CREDIT CARD ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution Atlanticus Services Corporation, The XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ), failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions Atlanticus Services Corporation, and The XXXX XXXX XXXX XXXX ASPIRE CREDIT CARD ) decide to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
To Whom It May Concern : My father is XXXX since XX/XX/XXXX and lives on a very low monthly budget. I was going through some of his mortgage papers to see if we could get help with his mortgage and found out that he has an XXXX mortgage on his home for repairs through a company called XXXX XXXX who give out bad loans to consumers with no knowledge of the mortgage industry, and I know that my father would not had no idea of what he was signing and the company could not have told him that he was signing a loan that when he make a payment nothing goes towards the principle. This company, XXXX XXXX has been known for violating mortgage underwriting practices just to close bad loans that cost taxpayers millions of dollars and hurt neighborhoods when the houses go into foreclosure. Although they are an FHA lender the loan in question should n't have been approved. Now my father has a {$32000.00} loan that he has had since XX/XX/XXXX, and here it is XX/XX/XXXX and he still owe {$32000.00}, and it has been sold several times to other companies like Ocwen Mortgage who has multiple law suits in XX/XX/XXXX and have lost cases due to robot signing or missing assignments coupled with an inability to produce escrow and settlement statements demonstrates a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. Lack of the original note, failure to timely and accurately apply payments made by borrowers, charging borrowers unauthorized fees, providing false or misleading information make us believe that these companies are taking elderly people for their low budget and finance problems. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. We need help and my father does n't recall getting any papers that he could file a claim against either company. Please help us keep my father in his house. Thank you so much for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Cooper Hoffman Klein Associates
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
calls started XXXX/XXXX/2015 from XXXX XXXX from XXXX XXXX and XXXX saying I owed a debt from XXXX and that I never paid this and he was going to file criminal charges for check fraud because I took money from the company with no intent of paying it back I had a payment arrangement with XXXX that I made a payment on he called my work number XXXX gave him my cell and he left a message XXXX/XXXX/2015 saying since I do n't want to take care of my responsibilities he was going to file said charges I spoke with him several times and acknowledge my debt he likes to hang up on people I eventually that same day spoke with someone and made a arrangement of XXXX every 2 weeks I asked him if I could do XXXX something every week instead he said yes as long it was the same amount of money with in the same amount of time so after the first payment XXXX/XXXX/2015 of XXXX I called and asked if I could go to the every week payment and I was told no then hung up on I called again and was told yes he was changing it now so on XXXX/XXXX/15 the XXXX was pulled again so I called XXXX/XXXX/2015 to talk to him they do n't know who he is they say I am combative and I only talked to XXXX XXXX which was incorrect and say that I can not dictate them how to do there jobs when I clearly said it would be the same amount of money they can not under stand they are rude and do n't understand that I am owning up to the debt or I would not have made arrangements to pay at all I ask them for documentation and they can not or refuse to show me anything also I am not going to be harassed and threatened over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute regarding two student loans that have been paid in full and accounts closed as of XX/XX/XXXX. XXXX has them listed as open. XXXX is in excess of $ XXXX and one in excess of $ XXXX. All of my student loans ( a total of 14 ) have been forgiven by the Dept. of Education. XXXX dispute resolution returned no change in status. 

I called and spoke with a rep and was told I need to submit proof documentation. That THEY HAVE NO WAY OF CONTACTING ANYONE TO VERIFY. I had just hung up with someone from the Dept. of Education, by calling an XXXX number that is listed very clearly. 

On XX/XX/XXXX, I disputed these loans again w the documentation. Again, the loans were not removed. I called the Dept. of Education to ask if they could contact Experian bc I was having such a hard time. They sent me a different document and told me that Experian SHOULD BE CONTACTING THEM IF THEY CAN NOT UNDERSTAND WHAT IS SENT. 

On XX/XX/XXXX I submitted a third dispute with this document. On XX/XX/XXXX, the dispute was completed and I was not notified or able to see the results. When I called Experian, I was told that the original document sent to Experian in XXXX of XXXX was unable to be opened b/c there was an error message on the attachment. I told them that I have sent a copy of that document and I was told it has to be received from the originator and that I will have to contact them to resend the information. I informed him that the document IS from the originator. I was told that that document could be forged so it must come directly from the Dept. of Education. 

During all of this, they have also dropped my credit score XXXX points for no apparent reason. Nothing has changed at all other than my trying to resolve their issue of not removing incorrect information on their part. 

Experian distinctly shows their dispute services as THEY WILL CONTACT ANY COMPANY TO VERIFY INFORMATION.

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 2022-03-23
Company: Santander Consumer USA Holdings 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:
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other XXXX auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, XXXX XXXX XXXX, and Santander Consumer USA. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TN
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:
Please investigate my late father social security number. It have been used sinc e 2012,  even though he have been deceased sinc e   XXXX   XXXX  ,2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2020, I was at the XXXX XXXX XXXX XXXX mall when a couple scammed me out of {$700.00} after being told they would give me cash in return for a quickpay of {$700.00}, they proceeded to say they never got it and left, I told security and filed a police report with the XXXX Police as they left. I reported to the company about my issue and how stressed I was and all Chase did was say they couldnt help me. A company that I trust to open my bank account with could not provide the support for me, as I was scammed and robbed out of {$700.00}.

Company response to consumer: Closed with explanation