BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2020, I went to the HSBC bank branch located at XXXX XXXX XXXX, XXXX, VA XXXX to close an old checking account I had at HSBC. The account contained {$1700.00} and had been at that balance for over a year. I asked the representative at the branch if I could withdraw the money and close the account. He said yes, withdrew the money, provided a receipt of the transaction showing an ending balance of {$0.00}, and told me the account was closed. I left the branch and deposited the money in another bank. 

Recently I received a letter in the mail addressed from HSBC stating : " Subject : HSBC Bank USA, XXXX. 
Account Number Ending In : **** Amount Due : {$15.00} Dear Customer, We would like to thank you for being a valued HSBC customer and we hope you are enjoying all the services and benefits. 
We recently notified you regarding the overdraft of your HSBC checking account. Please deposit the amount above to cover the overdraft as soon as possible. 
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Evidently they have made an error while closing the account and never did so, then charged me an overdraft and/or low balance fee on the account which they said was closed. I even specifically asked at the branch if the withdrawal could be made, and the account closed, without triggering any of these fees, and their representative stated that it could. So now HSBC has made a mistake closing an account I no longer have, erroneously charged me fees, and sent me harassing letters about a nonexistent debt which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i have file numreous complaints on ocwen loan co. for 4 yrs. now. 4 yrs. and you people have let this go on for 4 yrs. now and now we are going to lose our home. i have repeatedly told you that they are practicing improper practices ( for 4 yrs. ) one day this co. will send us a letter stating our app. is complete and the very next day they will send us a letter stating they need something els. not once, not twice, 4 yrs worth. and i know XXXX XXXX doesnt work for ocwen she started the cfpb and she needs to know that you guys are collecting paychecks for nothing. every complaint i have made you send me a letter stating what ocwen says, i know what ocwen says, and what they say is wrong. they are ruining peoples lives and you people are letting them. 4 yrs. to put a family through XXXX is about enough, dont you think so? what if they was doing this to your mother, daughter, brother, sister, you can bet your XXXX would be putting a stop to it then, right? when i first called ocwen for help they told us we must be 3 mo behind before they can help us. we reluctantly did and its been hell from there. we filled out an app. for help and the very first offer they made us was a higher housepayment. thats ok, right? then they drug it out for almost a yr. having us refax, resend, rewrite, redo, whatever it was, they did it.thats ok, right? we found save the dream which helped us for 15 mo. and i honestly thought ocwen would be gone by then for their improper practices. nope, they are still here. so we reapplied, and of course, they started it all over again. well, we lost or cant find this, can you rewrite that, refax, redo. and this is ok, right? 4 yrs. worth. i hired XXXX lawyers, XXXX took our money and ran so i hired another XXXX to get our money back from him and he took half that so here we are that much more behind. one day a relationship mgr. will call us and tell us our app. is complete, 2 days later they call and need something else. not once, not twice, 4 yrs. worth. i have every bit of my paperwork and documentation to prove this and i also have all my paperwork from you guys thats basically says ok, oh well. and thats ok, right? this co. is ruining lives!!!! and no one cares. im going to go to XXXX news and try like XXXX to get our story on there. i thought i was alone before but now i have like XXXX other people ocwen is doing the same thing to. and thats just in 2 days. ill find more. bc obviously i cant do this alone. and no one in the govt dept. gives a XXXX. FOUR YRS OF XXXX. I now have an XXXX, which is due to how your body handles stress. mmm? not only am i now complaining about ocwen i am contacting the XXXX and complaining about you .... im sick of this XXXX. you people do not belong there if your not going to do your job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was the original file #. This company continues to give me inappropriate information and management has made promises that they never follow through with after the call has ended. They have continually put errors and have damaged my credit due to errors in their system. They claim I am entering incorrect bank account # in the system which is causing payments to be returned. I am attaching information to support the information has been valid. There were 2 payments taken out for XX/XX/XXXX payment. This would have been impossible if the information was not entered correctly. I would like for my credit report to be corrected asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested to have the PMI insirance taken off my mortgage several times based on current property values in my area. Wells Fargo has been no help and XXXX XXXX has been no help. They want to charge me a large fee of {$550.00} to even consider this. That is nit right I know the value of properties in the area.

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 2015-07-20
Company: John C. Bonewicz, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of XXXX I was notified by the fraud department of my XXXX XXXX card they had detected some weird activity on my account and did not think it was me, I verified it was not me making the charges, it was only {$47.00}. They immediately closed that card or account #. It is now XXXX/XXXX/XXXX and they still have not taken care of the charges they do however keep adding the late fees to my account and it 's not {$150.00} and I call them every month and get the run around saying they will take care of it and they have n't yet. But they turned me in for negative payment on my credit report, which they should not of done since this is under dispute. I have sent in my statement of Fraud twice, I am at a loss on what to do.

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 2020-12-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collections bill for {$3300.00} on an account that I know nothing about. 
I called the collection agency as well as the bank the account was registered and have been unable to obtain any information about the charges.I followed up with a registered letter to the bank to have information sent to me. 
I filed a report with the police.

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 2016-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: NC
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:
From XXXX, my XXXX XXXX XXXX XXXX account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current Equifax report, those derogatory payment reports from XXXX remain. I disputed this situation with Equifax ( attached Dispute # XXXX ), but received a response saying that the XXXX  XXXX XXXX investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to Equifax, and I assume, then forwarded to XXXX  XXXX XXXX - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently noticed that I could not access my account saving account. When I called Chase Bank they notified me that my account had been closed. I had only deposited a few checks and had no withdrawals on the account. It was closed within 15 days of opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This may or may not be the right place for this complaint, but let 's give it a go. 
I placed my home up for sale. A buyer financing through Quicken Loans was interested, we agreed at a price and the process was on. Inspection went fine, XXXX appraisals were required due to selling price. The first appraisal came in at selling price. The second appraisal was " cancelled '' after it was made ( we believe that it matched the previous assessment ) and a XXXX appraisal was requested by Quicken Loans, less than 2 weeks to closing date. The XXXX appraisal came less then the selling price, and that 's just what Quicken Loans wanted. To me, it seems like Quicken Loans is forcing the seller 's price down as to minimize their " risk ''. The buyer is a physician, with real estate assets out of state, and a solid financial background. 
Both seller and buyer were packed, had made financial commitments, and then this. 
The net was a loss of {$50000.00} to the seller from the agreed price, and additional funds added to the down payment by the seller. Quicken Loans tactics are unethical, in my humble opinion. As a result of this transaction, I personally warned every person I know, whether a seller or a real estate sales person, to decline any offer that will be financed by Quicken Loans. Needless to say, the real estate agents involved, are doing the same. Maybe the the Feds can look into Quicken Loans 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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: Investigation took more than 30 days

Complaint:
This is my third attempt disputing with XXXX, XXXX  and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

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 2016-12-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free annual report online tonight from Equifax. It asked me various " ID verification '' questions and said my answers did not match what was on file so they would not give me my report. Based on the mismatch, I placed a 90-day fraud alert assuming someone gave them erroneous information pretending to me. Then I tried to get my free report for placing a fraud alert. Again they would not provide it since my answers did not match their records. This is foolish of them since that is what one might suspect if someone fraudulently gave them erroneous information pretending to be me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
PNC Bank frequently sends me letters soliciting me to apply for an unsecured installment loan. On XXXX XXXX, 2016, I did apply, by telephone. Two days later my application was declined. My complaint is that if this bank does not want to make me a loan, then do not bother me with their stupid solicitation letters. The marketing department of PNC Bank should only send letters out to those individual that they are prepared to give a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Podium Mortgage Capital LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent my XXXX bill to debt collection even though I was paying on time and was on a payment plan. They admitted it was their fault because of a computer transfer when they merged with XXXX XXXX XXXX XXXX. I have since contacted the original creditor and paid the bill in full. The bill collector, Wakefield & associates, continues to call even though I called them to dispute the validity of the debt on XX/XX/20 as soon as I revised the first letter as per their instructions. I have since received calls on XX/XX/20 and XX/XX/20 requesting I pay the debt that is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX   XXXX ,    2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.

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