BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am filing a complaint with Ally Financial ( Attn. XXXX, XXXX, Ext. XXXX ) and their attempt to contact me about our car loan. The loan is under mine and my wife 's name. The law says they are only to call her or I concerning the loan. Multiple times ( also multiple times in a single day ), they have called my parents in XXXX and my brother in XXXX asking for me and my wife. I have never given out their numbers, which means they are doing searches on my families contact information. This is a form of harassment and it invades my families privacy. On top of that, their customer service is terrible. They interrupt and do n't know the answers to questions about my loan. Please put a stop to their mass calling and going after my family who has zero involvement with this loan. Thank you

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 2022-05-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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: Information is incorrect

Complaint:
XXXX  XXXX XXXX and ChexSystems are involved. 

I discovered that XXXX  XXXX XXXX reported two accounts in my name to ChexSystem under account abuse. I contacted XXXX  XXXX XXXX and they said they didnt see account abuse listed on the system. They said they would mail me documents but I never received anything. I contacted ChexSystems and they said the only reason they would see it is if XXXX submitted it. Now, the system says I disputed it and it was verified. I havent received anything verifying the account.

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 2022-09-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unatuthorize inquirities on my XXXX  credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my equifax and XXXX credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. Equifax has 2 unauthorized inquiries, from XXXX XXXX  XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. XXXX 5 unauthorized inquiries XXXX TX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX and XXXX OF XXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Mid-Minnesota Management Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me for my ex spouse that I divorce years ago and I even give them his phone number. He live in XXXX I told them several times and they keep calling me. I dont know how to stop this calls. They are calling for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I once owned a home at XXXX XXXX XXXX, XXXX, IN. I moved out my house around early XXXX due to it being placed up for auction while I was working with a company to do a short sale so as to avoid foreclosure even after having the house on the market for months. Litton Loan Servicing led me to believe they were working with the company in this effort. I still had several pieces of property in the house when I returned home to find people in my house saying they had just bought the house in an auction. I became very very despondent and depressed. So now the economy is going up in flames I lose my job about 2 years later and during the time I 'm living in a XXXX bedroom apartment I watched other people get help with their struggles of keeping homes. Programs are developed to help people but I 'm left to eventually filed bankruptcy in XXXX. I did n't think anything of it when people spoke about lawsuits and prime lenders and other things. But i am currently searching for information on my situation resulting from Litton Loan Servicing who held my mortgage. Please assist with any information possible.

Company response to consumer: Closed
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since XX/XX/2021, Chase has charged me nearly {$400.00} in overdraft fees and despite asking to reverse some, I've been told they can not offer any " courtesy '' refunds at this time. Below, I have listed the dates and amounts of the fees : XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} x 2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} TOTAL {$34.00} x 11 = {$370.00}!!!! 

Chase is my primary banking relationship, where I have my paycheck deposited and pay my bills. However, it is becoming increasingly difficult to maintain as the fees are very high, often more than the cost of the paid item. And they are very frequent, being assessed multiple times per week and even per day. It makes it hard to get by when deposits go straight to covering outrageous fees. 

I understand the Bank needs to make a profit, but this is ridiculous. I would suggest regulation limiting the amount and frequency of these fees as they absolutely pray on lower income depositors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Monterey Collections Services representative XXXX XXXX has been contacting me about a debt. She calls me and if I do n't answer she immediately sends me an email. The debt charged off on XXXX with a balance of {$5800.00} as of today the balance is {$9000.00}. The debt in question has also been reported on my credit report for the past 6 months as an open account and is listed as with a one month term. If the account is open then it should not be in collections and should not have been listed negative on my credit report. Monterey Collection Services has XXXX negative accounts listed on my credit report. I have been denied credit due to this negative account. I do not have an agreement with this 3rd party collector. The collector has been very aggressive in their collection attempts as well as using deceptive and abusive collection practices. The Rep continues to use my credit report status in attempts to get me to pay this debt. She emailed me on XX/XX/XXXX talking about how the negative account will continue to be reported as an open account. She also stated how the negative item will impact my borrowing power and interest rates in future. The Fair Credit Reporting Act states that the a collector can not attempt to collect more than original amount on a debt. The Act also states that all information in my credit file must be 100 % accurate if not the item must be deleted immediately. This account shows as a joint account with my wife 's name listed as joint responsibility which is also incorrect. My wife never provided any of her personal information for this account. They have also called her personal cell number in attempts to collect this debt. I am requesting that this negative item be removed from each of my credit reports and that the collector cease all communication with me and my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called by a representative of XXXX ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from Citibank NA, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only 3.5 years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with Citibank, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.

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 2015-08-24
Company: Norwich Commercial Group, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan currently held by XXXX, who purchased the Loan from Norcom. My mortgage has never been late and is consistently paid three months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from Norcom taking it over XX/XX/XXXX. XX/XX/XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with Norcom. I contacted Norcom and Norcom stated that they were not responsible because they had the loan serviced by XXXX for a short time, approximately a year. I am currently awaiting a response from XXXX. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying 3 months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. XXXX, Norcom and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was " transferred '' by XXXX to Carrington Mortgage Services , LLC in on XX/XX/20. On XX/XX/20 we applied online at XXXX for COVID-19 assistance. A " COVID-19 Forbearance Letter '' dated XX/XX/20 was sent to us saying that we were put into the 90 day forbearance program starting XX/XX/20. Our XXXX payment was automatically deducted on XX/XX/20. We got the letter on XX/XX/20 so we called Carrington on XX/XX/20 to find out why that payment was drawn on XX/XX/20 while we were in a forbearance program, and what the terms of the forbearance were. We spoke to two representatives over the course of two phone calls. The second representative confirmed the first representative 's statement that the forbearance required a full payment of the 90 days of payments at the end of the forbearance period. This is of little help to those that have lost income. When asked for documentation of those terms, the Worker said there was no documentation that she could offer. The XX/XX/20 letter does not include a definition of " forbearance, '' which would make clear these terms, nor does the letter explain how automatic payments would be handled regarding the forbearance period. No documentation of these terms appear on Carrington 's web page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: AR
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:
I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Progressive Financial Services, Inc.
State: VA
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 paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.

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 2016-10-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX XXXX I fell victum to ID theft and more than {$2600.00} was taken from my XXXX account. This account made monthly payments to Ally and had been fine since before the theft.. XXXX took almost 60 days to investigate and find in my favor but in the mean time even after notifying Ally they continue to report negative info to my account and my loan amount increased by a whole payment between XXXX and XXXX of this year with no relief. I wrote them in XXXX with the findings and still they continue to violate federal law by reporting and ruining my credit When I called in XXXX the teller did not like me and all ofa sudden I owed XXXX payments instead of 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 2021-09-30
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Text of my XX/XX/XXXX letter to Card Services, XXXX XXXX XXXX, XXXX, DE XXXX [ XXXX  Mastercard ] : I am writing about the fraudulent transaction referenced above. I have spoken by telephone with your customer service operation on at least six occasions. Twice I spoke with agents identified as members of the fraud unit. I was told that the referenced transaction was one of a series of fraudulent transactions posted to my account in a short time frame. Although I was assured that the transaction should have been credited along with the rest, and that it would be credited, you have not reversed the transaction and continue to charge me interest on it. The other suspicious transactions have been credited. Your representatives have told me that your failure to credit the transaction was an error. You have told me that your investigation determined that the transaction was invalid, like the others I have described. I relied on those assurances, but you have not made good on them.

I am enclosing copies of two letters I received from you about this activity. In your letter dated XX/XX/XXXX, you told me that " the fraud investigation has been completed '' with a determination that I was not responsible for the activity. Curiously, you then sent a letter dated XX/XX/XXXX, which stated that " suspicious activity '' was " pending investigation. '' Your mis-handling of this matter is disturbing and could itself be viewed as fraudulent. If within 10 days of your receipt of this letter the disputed item is not credited, along the interest attributable to it, I intend to file a complaint with the Consumer Financial Protection Bureau, and with any other agency possessing jurisdiction.

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 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In 2016 a account was opened in my name. In 2016 I was a minor and it wasnt me who opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure occurred while a active loan modification was in effect. Specialized Loan Servicing LLC failed to comply with civil code XXXX. The California Homeowners bill of rights states:Restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. And my modification was not fully reviewed at the time of the sale. The Homeowner Bill of Rights banned the dual-tracking of foreclosures. This means loan servicers must make a decision to grant or deny a XXXX lien loan modification application before starting or continuing the foreclosure process. Even if the lender denies the loan modification, it still cannot foreclose until any applicable appeals period has expired (this is generally XXXX days from the date of the written denial). See attachments for proof. Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. I had always left message to my single point of contact XXXX but never got a call back, I had always needed to talk to any customer service. Homeowners Have the Right to Sue for Violations Homeowners may sue the lender or servicer for violations of the California Homeowner Bill of Rights. Potential relief includes: injunctive relief, such as a halt to the foreclosure sale (if the foreclosure sale hasn't happened yet), or actual economic damages if the foreclosure sale has already occurred. In addition, if the court finds that the violation was intentional, reckless, or resulted from willful misconduct by a loan servicer or lender, the court may award the borrower the greater of treble actual damages or statutory damages of $XXXX.

Company response to consumer: Closed with explanation