BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it wa s Virtuoso which I received no notice what so ever via mail. Which violated my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transfered to Truist Bank for servicing on XX/XX/2021. Was notified all mortgage payments had to be made to new servicer Truist Bank. My payment is principal and interest only as I had opted out from escrowing my taxes and insurance when I refinance with the original lender. In XXXX of 2021 my insurance was going to renew so I decided to shop around as the premium was going to increase. As I shopped around my insurance lapse for a few days as was trying to get a better quote from new insurance company. During this period Truist Bank sent letter to provide proof of insurance coverage otherwise they would force place escrow insurance. I finally was able to find a reasonable quote from insurance company after few days later and sent proof of coverage. After the incident Truist decide to charge for the gap in coverage and I thought the problem was over. I later received letter that Truist will now force place escrow payment and my monthly payment would increase. I have tried several times calling to explain why it happened and have them remove the force placed escrow account but per their explanation that the only way I can remove is to refinance.

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 2022-04-04
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company lies and have put this debt on my credit report under false pretense. XXXX the XXXX has yelled at me, called me remedial and hung up in my face after I told her the debt was invalid and I want it removed. This debt was added to my report without. my knowledge. I was made aware of that debt after it had been ok my credit report. I did not speak with this company at all. They are telling me they spoke with someone regarding the debt but it was not me. They are lying and refuse to remove this invalid debt that I was unaware of. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i filed my income taxes online and on my credit report was a new charge thru XXXX XXXX   for {$130.00} loan on XX/XX/2020 that i never applied for or recieved and now its gone to collections to midwest recovery systems i believe somebody from 2 previous addresses that i lived at is responsible for theses charges for the same thing happened under my wifes name for a payday loan she never applied for from the same previous address that we have not lived at for more than 6 yrs i disputed this thru XXXX and reached out to XXXX XXXX and midwest recovery and have got no response i reached on on XX/XX/2020 this is for sure identity theft my identity has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I entered into Ch. XXXX Bankruptcy and am to the best of my abilities trying to finish my case and rebuild a life for me and my son. I have done tons of research to try to fix the issue as well as make calls to every number and I have I mailed several letters to every address for Victoria Secret to try to get a 30 day late from 2018 removed from my credit history but every response I received from them basically says no they will not remove it and to basically not ask again.The response was very generic and I don't feel like they put any thought or effort into my plea. I have seen several letters from this company showing where they have made adjustments and I just wanted to same one time courtesy. I do not believe it is fair for consumers who hold this credit card. I spend a lot of money in this store, and that is with and without the credit card. This is the only thing stopping me from securing my mortgage and I have made time payments since 2018. I am just asking for the same courtesy granted to other customers. And if I can't get any help, there is no need for me to keep this credit card or make purchases from this company. I appreciate and look forward to a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
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:
IQ Data international is reporting bogus apartment debt. The account # is XXXX. I requested IQ Data to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: KEYCORP
State: FL
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:
On  XXXX   XXXX ,  2017 , I timely paid {$300.00} against the balance of this card. The payment was made electronically from my  XXXX   XXXX  bank account. On that date, I learned that fraudulent debits had been placed against my  XXXX   XXXX  account.  See Complaint Number   XXXX  for further details.     On  XXXX   XXXX ,  2017 , while I was in a meeting, I received a message from  Key  Bank about my account. When I was able to access my computer, I saw that the payment had been reversed by  XXXX   XXXX . The reversal was a mistake on the part of  XXXX   XXXX  due to the fraudulent debits, as discussed in the C omplaint Numbe  XXXX  above. I went to  XXXX   XXXX  and met with my banker and the Manager, who elevated the problem to the  District Manager . There are no   Key Banks   in the State of Florida so I could not go to a   Key Bank   and their office was closed when I called on Friday afternoon. I called   Key Bank   again on Saturday and was told that I should make a payment and then call back to have the fees and interest reversed and the account corrected.     Since I could only make a payment online, and no longer had a checking account to use due to the  XXXX   XXXX  problem, I had to make arrangements to use another account. I made those arrangements and made the payment again to  Key  Bank on  XXXX   XXXX ,  2017 . I then called Key Bank to have the fees and interest reversed. I was told by "  XXXX  '' that they could reverse the late fee as a one time courtesy, but would not reverse the interest because it was not their fault. I was also told that they could not correct the account to reflect that I paid timely.     Any reporting of this matter to the credit bureaus is a violation of the Fair Credit Reporting Act. Further, Key Bank failed to timely notify me of the reversal. In addition to the late fees and interest, I have now spent additional billable time trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address listed with personal information on my report. The incorrect address is  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 non-monetary relief
Consumer complaint received 2017-06-12
Company: TCF NATIONAL BANK
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TCF NATIONAL BANK ( TCF BANK-ILLINOIS INSTALLMENT LOAN NO.XXXX THE FEDERAL AND STATE STATUES OF LIMITATIONS HAD EXPIRED. F.C.R.A. AND F.D.C.P.A.AND NOW MUST DISCHARGE DEBT VIA XXXX AND REMOVE ALL LIENS ON SAID PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a loan with boa got pre approved then gave over XXXX in earnest deposit. After looking for a month. Never Heard from the loan person except one time to take my appraisal pmt. I thought I was getting document in right but then was giving a problem with the portal. The paperwork person XXXX and I spent one hour on the phone getting it all together the check went green we packed sent out XXXX on our XXXX rental only to be denied in the final hour. I have plenty of emails begging for information. We kept getting conflicting information to the point my husband transfer me to much money then they said I didnt have enough of my own assets. I am just a regular person I work for my money check to check these people have me homeless in a serious bind. I know it is my fault for thinking they would at least help guid me but XXXX XXXX advised me that is not their job and Im am out of XXXX and XXXX for inspection. Please contact me and explain how this is legal. The real estate company suggest I file this and are willing to give all emails. Please help me. We XXXX in rent I thought XXXX is so able. But i am considered a risk? Please contact me.

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 2021-05-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
After i've filed a complaint about coinbase for compromising my account that had more than XXXX XXXX woth of money on it and ignoring me for 2 years! 
Coinbase responded to that complaint claiming that they did provid me with specific instructions in a new case ( Case # XXXX ) to regain access to my account, while in reality they are still closing all my tickets that i send to the support ... 
i'm requesting help and beggin them cause i really need those money as soon as possible, but they still just ignore my case, and taking over my account and my money that is leagaly mine by all means!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted my Credit Union to retrieve money I gave to Guaranteed Rate for appraisal and to continue the refinance process. Due to legal documents signed they could not retrieve the money. 
Online I contacted Guaranteed Rate to refinance my property. I was looking for an interest rate of 3.75 % or lower and would not accept anything higher. XXXX XXXX ( loan  officer ) assured me I was locked in at 3.75 % interest rate, therefore on XX/XX/XXXX I payed Guaranteed Rate {$500.00} for the appraisal and to continue the refinance process.Any documents, bank statements, proof of income, taxes, etc. I provided for them. In addition I gave them information on a property my sister and I own in Michigan. This Michigan property was paid off in XXXX, is in a living trust and the trust is responsible for taxes and insurance. 
XXXX XXXX ( underwriter for Guaranteed Rate ), inadvertently used the property I was trying to refinance as the property in Michigan, saying there was a lean on it, thus denying my loan. I called XXXX and we corrected her first error thus continuing the refinance process. XXXX then said I was responsible for the taxes and insurance on the Michigan property. However, if XXXX would have researched the title of the property in Michigan she would have found that the property is in a living trust and the trust is responsible for taxes and insurance.This second error lead to a interest rate increase to 3.99 % which is unacceptable for me. Do to these two major errors, which could be considered as Fraudulent, ( do to the interest rate increase ), I believe I should get my money back. In addition I never received a invoice of the appraisal. XXXX XXXX did returned {$25.00} of the {$500.00} sent. The {$470.00} should be paid back to me to show good business practices, integrity, honesty, good faith, and the right thing to do. I do not believe I should have to pay for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The issue is with Bank of America ( BOA ) on the APR of 19.74 %. I have a credit score of XXXX according to BOA. I have been a customer since XX/XX/XXXX, and my power reward card issued through BOA has a 8.47 APR according to XXXX customer service representative of BOA on XX/XX/XXXX. I called the company to research the best way close and open accounts to avoid any penalties. I was advised to close my Power rewards card and wait until my Flexible reward card came in because I was unsure that BOA would review my history and give a comparable rate to my Power Rewards card, the APR on the Flexible reward card was 15 % -23 %. XXXX transferred me to XXXX where I asked XXXX when I receive the new Flex card will my XX/XX/XXXX member since be carried through, she said it would. I also asked about 8.47 % APR of old card would be reviewed for the new card. XXXX mentioned to not cancel oPower rewards until Flex card came in and I liked the APR. I spoke with XXXX on XX/XX/XXXX and we opened a new card but did not cancel Powerrewards yet. I received new card XX/XX/XXXX and was dismayed that the APR was 19.74 %, my name middle name was wrong XXXX not XXXX and the cardmember stated XX/XX/XXXX. I called XX/XX/XXXX BOA was not open, I called today XX/XX/XXXX at XXXX presented my problem to XXXX and asked for a manager XXXX. I explained my problem and wrote a complaint up. But offered no solution, I was upset by 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 2017-06-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I grew up in XXXX XXXX and opened up an account with Citibank. I got a promotion at wok and that sent me tl XXXX. From there I went ti XXXX, I asked Citibank several time to please move my account to XXXX. She told me it could not be done i would have to go to XXXX. I have been legal XXXX since 1991, I feel it is my money and I should e able to have it where i want, They could send my money everywhere but not to myself .. <P/>Thank you 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 2020-02-28
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to settle this debt. However, I'm recieving conflicting responses from management. They are refusing to settle or provide payment options. 
I filed a CFPB report on XX/XX/XXXX for account # XXXX seeking debt validation because I was never given any but because this account is being reported on my credit report I want to settle the account althought I dont agree with the amount. On XX/XX/XXXX Mrs. XXXX responded to my CFPB report stating I had payment OPTIONS and I was honestly looking forward to working with her. I spoke with Ms. XXXX via chat on ( XX/XX/XXXX ) and she said I had to email Mr. XXXX. I emailed Mr. XXXX seeking to settle this account with no response. So then I called and was transferred to Mr. XXXX and he stated I had to pay in full and wouldn't accept a settlement offer so I disconnected the line. I tried to call Mrs. XXXX 's direct line but I get nothing. I want to settle this account. The website advertises payment options and so did Mrs. XXXX so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.

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 2022-04-04
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX I signed documents for a loan modification on my house through Ocwen Loan Servicing , LLC. The modification went into effect XXXXI filed for XXXX  XXXX Bankruptcy XXXX. All payments were taken directly from my paycheck. The loan servicing either changed hands or name to PHH Mortage Services. It is now XXXX in C/O PHH Mortage Services XXXX My Bankruptcy has been paid off. After the Bankruptcy I started using a third party company to make my payments, In XXXX of XXXX  I requested a payoff. That's when I discovered that during the loan modification there was a non interest balanced placed on my loan. I received a letter from XXXX dated XXXX that I had a surplus in my escrow account and I would be receiving a check for the amount of the surplus. I received the check around the time I received the payoff letter. That's when I was made aware of the non interest balance. I tried to apply the check to that balance. XXXX would not allow me to do that. That's when I discovered that there was a clause in the loan modification that allowed them to put this balance on my loan. I was not aware of this at the time. My main concern that that I was keeping my house. I have been making my payments on time for a good while now and want this balance taken off of my loan. I don't believe this balance is right. I believe that the company used my situation to benefit themselves and it has put me in worse financial shape then before. The payoff is more than what the loan was for to begin with. I have been in this house for almost 17yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I applied for a renewal of an Income Driven Repayment and my loan was in forbearance at the time. I was told no payments were due. Then in late XXXX a notice was sent out that I was unaware of that said a payment, under XXXX was due. I was contacted in XXXX and immediately paid the amount. At that time I submitted to have consideration for excessive loan debt. I was told that I was approved and would not have a payment until XXXX. This was spoken over the phone. The representative however, did not follow through on that information and I am back at square one. I have 4 groups of loans and only one group does not qualify. I am a retired XXXX veteran. Please help. Nelnet wants over XXXX dollars a month which I can not pay. I was forgiven half the loan with Nelnet in XXXX, for unemployment and XXXX XXXX and then the full amount was restored when my retirement started in XXXX. I keep getting different responses from Nelnet and now they are not removing the XXXX requirement to pay in XXXX even though I have submitted all the paperwork for a 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX  Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : 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 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