BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I reported to Huntington bank that I was scammed through XXXX for {$560.00}. After calling in and being transferred to the digital department, I explained the incident to the lady who was very nice and a soured me they would look into it. I then informed her that I had documentation ( a text transcript of the scam ) but she said that they did need it because XXXX cases are pretty open and shut but if they did they would send a letter requesting it. She then provided me with a case number # XXXX and that was it. I waited about a week then I received a letter saying basically they werent going to refund the money. Which I believe isnt fair because they never reviewed the text proof that I had of this being a scam so now Im out {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Convergent Resources, Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
Contacted by Convergent Outsourcing , Inc., XXXX XXXX. XXXX about an old XXXX account that has problems that I've been trying to get resolved without success. They have added this onto by credit report as though its a new delinquent account in the amount of $ 900+. I've told them that I dont owe them this amount, and they refuse to listen to me. I just found out that when I issued a move service request from XXXX XXXX XXXX address to another in the same complex, they charged me an early cancellation fee without telling me that was going to happen. Before they would accept my move request I had to pay the existing months bill, which I did and I moved thinking my service was being transferred. I later moved to XXXX XXXX for cheaper rent, and asked them to transfer my service to my new address but was Not told they were cancelling my service, and opening a new account. This caused another early cancellation fee, which was never explained to me. When I moved from XXXX XXXX, I requested a total disconnect of by service, and only owed one month at that time. They sent me a bill for $ 600+, and I told them that I returned all of their equipment and provided them with a receipt. The next communication was for {$900.00}, they say because I failed to disconnect the service, which isn't true. I'm a senior on a fixed income and can't afford to pay them $ 900+. I'm so frustrated trying to rebuild my credit, while they report this unresolved debt on my report as thought it's a new item. Please, I need help resolving this issue.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
An unauthorized account with the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, XXXX, TransUnion and the creditors wont fix the problem even with a police report and a FTC 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: OneMain Finance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted ONE MAIN concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. ONE MAIN has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello CFPB, We just read about the multistate action involving  Ocwen Loan Servicing.  Is there a plan to provide consumers victimize d by Ocwen with a s hare of the fines levied  against Ocean?  In   XXXX   after Ocwen claimed we were behind in our escrow balance we initiated our own research and found our escrow account had been mishandled  by Ocwen. After m onths of effort on our part to get our escrow funds back and eventually refinancing our home, we got out from und er Ocwen and their thr eats to dramatically increase our mortgage payments.   We spoke with several attorneys in     XXXX   and they felt there must be many others affected by similar   Ocwen stunts but believed it was cheaper for us to refinance and move on.
Are previous customers of Ocwen going to receive any money for damages ( stress, lost time, lost money, etc. ) from this action? We are Maryland residents and would like to know how to file a claim.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MA
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:
An unauthorized account with the name of XXXX XXXX XXXX and a XXXXXXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, Equifax, XXXX and the creditors wont fix the problem even with a police report and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: SUNTRUST BANKS, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
The man named XXXX with LightStream Finance Company said, & texted me " congratulations you are approved for a {$5000.00} loan, & that the payment would be {$180.00} a month ''. He " XXXX '' said, because they have had so many problems with people keeping the loan money, & not making the payments " Stealing '' the funding money from the company. They developed a verification process I need to follow in order to get the {$5000.00} deposited to my account tonight. He said i needed to go to XXXX XXXX XXXX, & purchase 2 XXXX XXXX, or XXXX XXXX Gift Cards. He said buy 1 gift card for {$450.00}, & 1 for {$250.00}. So I did, & the  transaction was declined. He said " don't worry about it is ok, because the Bank probably put a limit on my withdrawal amounts. He said now drive to the bank, & by the time I get to the bank their accounting department will have everything straightened out. He said the accounting department put more money in my account, and they need me to get {$1500.00} in cash from the teller. Then go back to XXXX buy 3 {$500.00} a piece XXXX XXXX XXXX. He said then I am verified by their accouting department, & they can deposit my {$5000.00} loan funds in my account by 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 2019-10-19
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Sent a letter that I was in default for 49 days late. I am not sure why. The company doesnt answer my question about it. The company forgot to put my real estate taxes into my escrow and after having the mortgage for 3 months realized it and increased mortgage. How can you forget to add that when the previous company had it in my escrow.? My statement says what is owed and what is posted in my app says it is paid. Not sure what is going on. This company doesnt like to answer your questions and you cant talk to anyone that knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding Capital One Case # XXXX I disputed charges from the merchant for the same exact reason I disputed the other charges from the same merchant from the very day before, and they treated that dispute completely different. They sent the dispute to the merchant and asked them to respond, as they were supposed to. That was not the case with this one. Not only did they not send my dispute to the merchant, but they sent me a letter asking me a bunch of questions that had absolutely nothing to do with my dispute!! Mainly asking for a cancellation date ... I never stated I cancelled any services!!! I told just that, and sent the letter back to them ... And, big shock -- They responded back stating that they requested a cancellation date from me and although they received my response, it lacked all of the requested information needed to validate my dispute ... Um, what?!? Are these people completely XXXX  as a rock, or do they just like playing XXXX in order to simply deny everyone 's disputes?? I'm really beginning to question this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat-out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief, you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.

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 2022-08-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
When first fraud charge comes, I had to call the creditor to report fraud activity even XXXXXXXX XXXX XXXX XXXX XXXX  makes this incredibly inconvenience of having to call them repeatedly. When account was closed and new credit card number was sent. I thought that was it then second fraud charge from same merchant comes, I called them again because their live chat won't help, just keep asking XXXX person to call them again. I told them again of everything. Account closed and new credit card number sent once again and third time, I'm still seeing fraud charge from XXXX. I explained everything to live chat and live chat is still asking me to call them again to no solutions end.

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 2017-04-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am making a dispute agains t Pinnacle, LLC  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX   XXXX   XXXX   XXXX   ). T his action constitute fraud under both  Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: CA
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 am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Below is a response from CITICARDS. 

We are sending an additional letter to the customer to reinforce that the payment history is correct and will not be changed. We explained that the payment dated XXXX/XXXX/XXXX was returned unpaid, resulting in the account being reported 30 days delinquent. A replacement payment was received on XXXX/XXXX/XXXX, but no payment was received for the due date of XXXX/XXXX/XXXX. This resulted in additional 30 day reporting from XXXX through XXXX XXXX. A one-time adjustment was made to the Minimum Payment Due on XXXX/XXXX/XXXX, bringing the account current. We provided a copy of the response sent on XXXX/XXXX/XXXX, as well as a copy of the billing statements from XXXX XXXX to current. 

MY RESPONSE. 

If my XXXX/XXXX/XXXX payment was retuned and I replaced the payment on XXXX/XXXX/XXXX, how was I 30 days late????? Sounds deceitful to me. Citicards claimed that I failed to make my XXXX payment, which is another lie. I made an ONLINE payment of web ID XXXX. Where did this payment go??

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 2022-08-16
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 a unauthorized ATM withdrawal for {$400.00}. was done at the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. I called my bank ( Chime ) and was told nothing could be done until the transaction was out of pending status. XX/XX/2022 the transaction was no longer in pending status so I call the bank again. This time I was transferred to the dispute department. I answered all the questions and was told it could take up to 7 days for the dispute department to process. Early on XX/XX/2022 I checked my account to find the transaction was no longer in dispute it was completed and denied. Again I contacted the bank and was told by customer service and also the supervisor of customer service that they could not tell me why this decision was made. I checked my e : mail and found a memo from Chime stating because the transaction was done at a XXXX and I usually use XXXX atm ( never ever in XXXX XXXX ) they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: PCR Group
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified USPS letter to Account Adjustment Bureau ( letter attached ) requesting items from the to prove the validity of this debt. They say I owe them {$4000.00} and have inserted this item on my XXXX XXXX Credit report on XX/XX/2019. 

I have no knowledge of this debt and needs to be removed immediately from my credit report as under the fair debt collection act while being disputed for unfounded collections. 

Is Account Adjustment Bureau even licensed to collect debts within my state?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I have contacted Ditech twice about my adjustable rate mortgage. During XXXX, my interest rate increased due to rising interest rates. However, this year, interest rates tumbled, but my adjustable rate has not declined. I have phoned Ditech twice. The last time was yesterday. I spoke to an agent, who then transferred me to refinance. That is not what I wanted. I asked to speak to a supervisor, but they transferred me to the new company that bought Ditech 's business. They do not have a record of my account because it has not transferred yet. 

On the current Ditech website, it appears that my rate will stay the same, 5.25 % and be reset on XX/XX/XXXX for five more months. I feel helpless because Ditech is paralyzed and the new company will not lower my adjustable rate mortgage. In fact, it should have been lower this year, which means Ditech owes me interest money. I doubt I will see anything, since they have declared bankruptcy, but wanted documentation to show that I have tried to deal with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: POPULAR BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I submitted {$60000.00} dollars to XXXX XXXX from my XXXX  XXXX XXXX checking account. Like many others, my account was frozen without warning for 60 days when I tried to withdraw money back to the same XXXX   XXXX XXXX account on XX/XX/XXXX. I called and was told that I needed to show proof of ownership of the checkings account and this was done for security purposes. 

This makes little sense, since I already transferred money in from the same account, so I researched complaints on this bank and was astounded to find the link below, covering many custoemrs complaints of funds being frozen 60+ days, after speaking to countless supervisors and promised certain dates, only to still not be able to withdraw funds. 

I've emailed and called XXXX XXXX, and have heard nothing but that a supervisor would call me back. My money is frozen in this account 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 2022-08-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sirs This is the company that has sent me letters regarding three different debts Resurgent Capital Services it states original creditor XXXX XXXX XXXX XXXX Current Owner LVNV Funding LLC Account # XXXX reference XXXX Balance {$2800.00} Account holder name XXXX XXXX XXXX XXXX The second is XXXX XXXX XXXX XXXX  current owner LVNV Funding LLC Reference ID XXXX Balance {$630.00} Account # XXXX Account holder XXXX XXXX The dates they are claiming are from XXXX They are not my accounts Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS uploaded their Broker 's Price Opinion on XX/XX/XXXX stating that our home was valued at {$510000.00} after we paid for a new appraisal to have the PMI for this property removed. That means we have over {$110000.00} of equity versus the current loan amount of {$390000.00}, which results in well over 20 % of equity in relation to both the current loan and original purchase price. We have the regulatory right to have the PMI removed. 

However, just two days later on XX/XX/XXXX SLS did a new escrow analysis saying they expected us to pay PMI for another year. 

The process of having this PMI removed has been onerous and taking months, including having to battle against the lender just to have the appraisal done in the first place.

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