BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 my financial advisor ran my credit report for a mortgage and a company called AmeriSave Mortgage Corporation called me and I provided them all my information including my social security number. When I spoke to my financial advisor he told me that he did not send them to call me. Im concerned that I can get my information stolen since I gave my social security number. I also electronically singed some documents that I was not sure about. I spoke to AmeriSave Mortgage Corporation. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I did agree to take any loan with them I called them back on XX/XX/22 to cancel the application that I made with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX and XXXX XXXX.from a Litigation from XXXX, XXXX, I open a online Checking and Savings Account@ U.S. Bank on or about XXXX XXXX and I found out The Company signed me up for other Accounts without my consent.They ordered me checks and I wrote checks and they didn't let them pass on a 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 2016-12-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX, I received a bill from Macy 's for over {$700.00}. I reported that I had not made these charges. Macy 's closed the account, informed me they would investigate the fraud, and issued me a new credit card. Within XXXX weeks, additional fraudulent charges were made to this new card, in excess of {$1000.00}. I reported this as fraud to Macy 's and told them to eliminate my information from their databases and NOT SEND ME any additional cards. Macy 's promised to investigate both incidents of fraud. I sent as you will see from the attached documents everything they requested, reported each of the fraudulent incidents to the local police. In spite of these fraud investigations, Macy 's had their collections departments calling me and on XX/XX/2016, reported me as XXXX days late to XXXX. XXXX refused to remove the incorrect 30 day late report for Macy 's had told them it was legitimate even though it was not. I am at a loss as to how to get Macy 's to remove the negative credit report which they should have already done. I therefore am requesting your intervention.

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 2016-04-07
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing 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 2016-11-01
Company: KEYCORP
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank at Key bank. I have a checking account. The branch I signed up at is the XXXX XXXX XXXX branch in XXXX XXXX, VT. 
After freezing my account for a short time from around XX/XX/XXXX to XXXX, to investigate fraud, they contacted me and told me they were closing my account. I had deposited checks in good faith, that bounced. When I found out the checks bounced and my account was in the negative, I deposited money over the next 2 days to bring it back in the positive. Obviously this did not satisfy the bank, hence the ensuing freezing of my account and ultimate closing of it by the bank. 
While I am not happy about this, nor do I think it is fair and just, this is not really my big issue. My wife died XX/XX/XXXX, and she left behind our XXXX young girls. They are presently XXXX and XXXX. XXXX. We get SSI benefits because my wife died. I am their sole care provider and do not work due largely to focusing my time in raising them, I am XXXX years old. 
The social security payments arrive electronically in this account the second Wednesday of every month. I asked the bank to keep the account open until XX/XX/XXXX, XX/XX/2016, so I could receive the money from social security. I need it. My children and I live on this money. They refused. Now who knows when I will receive this money from social security. It may be another month. I do n't know. I am in New York right now and will be going to down to my local social security office next Monday when I get back to inform them of the change. But until then, I am anxious about my children 's welfare regarding finances and food. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2019 purchased a vehicle and had been preapproved with XXXX XXXX. Let Salesman XXXX XXXX and Finance manager XXXX I think his name was know I had preapproval. I do not want my credit submitted to any other Company. Made sure they clearly understood that and they said several times no problem, they wouldnt submit to anyone else. I get alert that there are several banks who have done an inquiry on me and consent was from XXXX. I called in and I speak with XXXX who im told is head of finance. She says the inquiries hard inquiries do not affect my credit and I tell her I know what I am seeing on my report. She stated her employee was just trying to get me a better rate and now he is the bad guy villian for trying to help me out. I told her I strictly told them I didnt want me info shopped around and was assured that it wouldnt be because I had a preapproval already. I get a call from store manager XXXX saying they were going to take care of the inquiries by submitting the information to the credit bureaus. XXXX never resolved the issue as the inquiries are still there as of today.

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 2020-04-23
Company: EQUIFAX, 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the equifax data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX XXXX File Number:XXXX Equifax File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed. 

Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe. 
the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: MS
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:
In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. XXXX XXXX still refuses to remove this inaccurate and illegal reporting from 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 2022-05-27
Company: EQUIFAX, INC.
State: TX
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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
see attached

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 2015-11-21
Company: INTERNATIONAL CITY MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with International City Mortgage ( ICM ), serviced by XXXX. I have an escrow account to save monthly for County ( Property ) Tax and Hazard Insurance. On my Annual Escrow Account Disclosure ( dated XXXX/XXXX/15 ) I noticed a withdrawal from my escrow account in the amount of {$220.00} for " Misc Escrow '' back in XXXX 2015. I received no notice that this amount was being deducted from my escrow account. I do not know what this withdrawal is for ( ICM / XXXX provided no notice or accounting of the {$220.00} they " stole '' from my escrow account ). I contacted XXXX to find out about this withdrawal ; they said that it was paid to the mortgagee, ICM ( per XXXX XXXX of XXXX ). The XXXX $ due to ICM, that I am aware of is the monthly mortgage payment ( they have no business taking $ out of my escrow account ). I asked XXXX XXXX why, and he could not answer other than the $ was their 's to take. I asked for a full accounting and reason for the deduction. XXXX XXXX said XXXX would do that, but has not to date ( several weeks ago ). I would like the {$220.00} that was stolen from my escrow account by ICM and/or XXXX returned. ICM / XXXX has not provided any notice for the withdrawal or legitimate reason for doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05
Company: Arbor Residential Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage has violated RESPA ( 12 U.S. Code 2605 ) by not responding to my Qualified Written Request ( QWR ). 

On or around XX/XX/XXXX I changed my homeowners insurance carrier and PAID IN FULL for the entire year to protect myself from Seneca since they have proven to be incompetent at best -- criminal at worst -- in how they " handle '' escrow. 

Seneca was sent multiple notices of the change via their online system, via fax, as well as a letter sent via USPS # XXXX, which they signed for on XXXX/XXXX/2016 ( attached, Exhibit A ). 

Seneca sent me a letter dated XXXX/XXXX/2016 ( attached, Exhibit B ) requesting a refund for any " unearned premium '' amount from the old carrier and in it made the following claim : " The replacement policy has been accepted and the premium amount, requested by the new carrier, has been disbursed from the escrow account. '' On XXXX/XXXX/2016 Seneca signed for my QWR ( attached, Exhibit C ) sent via USPS # XXXX which requested that Seneca provide written proof that the new carrier did in fact request a premium amount and also provide the amount of their claimed disbursement from my escrow account. The QWR also included a check for {$190.00} ( the amount I received from the old carrier ) which they deposited on XXXX/XXXX/2016 ( attached, Exhibit D ). 

12 U.S. Code 2605 ( e ) ( 1 ) ( A ) requires the Servicer to " acknowledging receipt of the correspondence within 5 [ business ] days. '' 12 U.S. Code 2605 ( e ) ( 2 ) requires the Servicer to " investigate, '' " correct '' if necessary, and provide a " written explanation or clarification '' to the Borrower " not later than 30 [ business ] days. '' As of today -- well over 30 business days -- Seneca has not responded to my QWR.

Company response to consumer: Closed
Consumer complaint received 2020-10-01
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I paid the settlement amount arranged of {$430.00} ( the original amount was {$670.00} ) with the collection agency XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX for my account. I also received a letter after the settlement was paid. 

This week XXXX XXXX alerted me of a new derogatory debt on my XXXX  report. In XX/XX/2020, XXXX XXXX XXXX XXXX hired a second collection agency, Credence Resource Management, to collect the " balance '' from the original amount. The balance of the original amount is {$230.00}. This is unfair and illegal because this is the same account I previously settled with XXXX. This is the reason I am filing this complaint. 

On XX/XX/2020 at XXXX PM I spoke with XXXX to ask why did XXXX XXXX XXXX XXXX put another collection on my credit report to collect the balance for what has already been addressed and settled. I informed her that I have a settlement letter from XXXX dated XX/XX/2020. She did not care about it. Her response was, " You have a pending remaining balance. '' She repeated that several times like a robot and had no intention to remove this balance from my cancelled account and/or to request the credit company remove this from my credit report. 

This is illegal and unacceptable. I want that collection off of my credit report. I have worked hard to pay off my debts and I no longer owe XXXX XXXX XXXX XXXX a debt. They are trying to force me to pay or else hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX- XX/XX/XXXX Mortgage payment deferred. 
Entered into ( UP ) Unemployment temporary forbearance beginning XXXX/XXXX/XXXX - XX/XX/XXXX with balloon payment due XX/XX/XXXX servicer assured me at time of entering that if unable to make balloon payment they would work with me. 
XX/XX/XXXX additional UP program approved with payments made XX/XX/XXXX and XX/XX/XXXX Again, I raised concern about ability to make balloon payment and was assured they would work it out with either loan modification or restate. 
Final UP program entered XX/XX/XXXX thru XX/XX/XXXX. Upon end of program reached out to mortgage servicer in early XXXX via Email, they were unresponsive. Contacted them via voice XX/XX/XXXX to apply for mortgage modification and applied wherein rep advised me to look into local support options. I found XXXX XXXX XXXXXXXX fund and applied. XXXX XXXX XXXX  informed me my mortgage service provider not currently participating in program and advised sending letter encouraging to join. Letter sent XX/XX/XXXX. 
XX/XX/XXXX Received letter from Mortgage servicer for modification denial offering Short Sale or Foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TX
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:
My information is being merged into my sisters credit report. I first contacted the three major credit companies in XXXX. I struggled to seperate me and my sisters information, but XXXX  and XXXX finally fixed it a few years ago. Since then I have contacted Equifax by mail and phone, However, EQUIFAX has yet to do anything about it. In approximately XX/XX/XXXX I attempted to purchase a vehicle and was denied due to the equifax report. I contacted equifax again and submitted all requested info but never heard from them. I recently called them by phone and now they are requesting all documentation again. I could send it however I have done so repeatedly for the past 20 years. At this point I no longer believe them. I need help to obligate them to fix my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to inform you of my process and communication with Myfedloan Servicing. Back in XX/XX/2021 and again on XX/XX/2021 I submitted my certification and application for the Public Service Loan Forgiveness. It has now been 6 months! Currently my account shows that I have 144 eligible payments ( in order to be forgive I need 120 ), of those 106 have been processes and are qualifying. I am waiting for 32 of the " Need Employment Certification '' to be completed by them so that I can be forgiven. I have met all of the requirements and now I am just waiting. I understand that this is a very involved process and that thousands of people are going through this task. My frustration is that there seems to be no rhyme or reason to this. I am on a number of social media groups and I have seen over 100 people post that they have received forgiveness and they submitted their paperwork well after mine. XXXX XXXX XXXX XXXX. I have no time to make phone calls during my school day. I have taken off 2 days just to make a phone calls to them, only to be told, " We know nothing, you just need to wait! ". The lack of communication has been unacceptableXXXX XXXX XXXX XXXX XXXX, trust me I am a very patient person. My patients has run out. Thank you for you help in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I can not believe this is on here!!!!! Goes WAYYYYY back when I had XXXX as phone carrier until they were bought partially by XXXX ... I was release from XXXX and went with XXXX .... I can provide the release from them IN WRITING AGAIN ... They apparently did not notify this credit bureau ... Notice it is NO WHERE else.. Get it OFF of here before I sue The provider of this ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: IL
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:
I contacted experian about this company XXXX EXPERIAN STARTED THE dispute and never gave results.

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 2022-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Received a text telling me there was a problem with a bank account which I am not a part of. It had 10 ppl connected to the message. It said : CHASE : Were investigating a payment reversal, please confirm it here : Link read XXXX XXXX XXXX I took a screenshot of all 10 numbers attached See attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause 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 non-monetary relief