BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had four mortgages on my property that were consolidated into XXXX XXXX XXXX My mortgage was paid off in XXXX. On XX/XX/XXXX a Discharge of Mortgage was recorded, however my attorney and my title company both state that the Discharge recites and clears Mortgages 2-5, but does not properly recite Mortgage # 1. 

Mortgages 1-4 were consolidated into Mortgage # 5 ... So the fact that the Discharge of Mortgage recently recorded only cites Mortgages 2-4 is a problem. 

The title report was provided to the servicer with instructions to let us review there work before sending it for recording, but they sent it for recording anyway, thus ignoring our request to let us review the draft version beforehand. 

If the servicer would communicate with my title company and/or attorney, they can provide the review so that the Discharge is correct and complete now. 

This problem and confusion has been going on since XXXX of XXXX, and the law states that the lender is required to record the Discharge within thirty days. So in this case, it has been more than a year, and the servicer/lender is breaking the law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from XXXX XXXX account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.

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 2022-10-02
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amshercollectionservices They put a collection account on all my credit bureaus on XX/XX/2022 it is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Academy Mortgage Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We went to our mortgage loan officer that we have used for all of our loans and as we were talking to him about the loan he told us because we wanted to build with XXXX his company Academy Mortgage would make us use a different loan officer. That we could not use who we wanted but who they wanted us to use in their company. We feel that that is not right and that we should be able to use someone we trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Cascade Capital, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX XXXX cancelled my mortgage policy and XXXX XXXX enrolled me as a customer. The change to XXXX was an increase in the annual premium. XXXX sent an endorsement statement in XXXX, the statement said, Premium Waived. I contact XXXX and their " rep '' assured me that there was no issue for me until the following year. 
Because I do not monitor my mortgage statements monthly, I missed that Ocwen made a premium payment to XXXX in XXXX XXXX. Despite the fact that a negative balance now existed on my escrow account, despite the fact that Ocwen knew that the premium had increased, no changes were made in the amount that was collected for escrow each month. I was convinced, based on my conversation with XXXX, that no increase was expected until renewal in XXXX. 
Surprise, surprise, in XXXX XXXX I received an report from Ocwen that my mortgage would increase by nearly {$250.00}. Of course no one wants to accept the negligence or lack of customer service. 
So, I will admit and have learn to look at every statement that comes to me from this point forward. But, it seems to me that this practice has set into motion the very conditions RESPA was meant to deter. I am not sure if this would be considered a genuine compliant, but I thought someone should be aware that this practice is being enacted by mortgage companies. 
Why did n't the negative escrow balance set certain safe guards in motion. Although I missed it, why did n't Ocwen/XXXX immediately increase the escrow to offset the debit on the account. Ocwen 's justification and answer is, " they only do escrow analysis once a year ''. But that defeats the consumer and company protection established through RESPA, does it not? 
I have already complained to XXXX about their wording. It should have read, Premium amount will not increase, not Premium waived. Even the XXXX " rep '' I spoke with recently, had to research to find the meaning of " Premium waived ''. I wish the " rep '' last year had bothered to do the same. 
I am not working, have not since XXXX XXXX. It will be a faith filled moment to see each month how the bills are paid. Thank XXXX he is always faithful, offers the most magnificence customer service, and loves me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2016. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$790.00} from The XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank reversed charges of a overcharge by a merchant, only to reinstate them, and arbitrarily deny me of due process while showing proof of wiring funds to the merchant.

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 2021-04-27
Company: BBVA FINANCIAL CORPORATION
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:
I received a fraud alert from my credit card company XXXX on XXXX.I immediately locked the card from my mobile phone to block further charges and called their fraud contact number regarding an UNAUTHORIZED transaction charged from the XXXX XXXX XXXX XXXX on XX/XX/2021 while I was at a XXXX location in Florida, U.S.A. I do not live in the XXXX and was not there when the transaction was made. 

I was told that I would not be responsible for the transaction and that the card would be cancelled and a new card was shipped to me. 

Upon receiving the new card on XX/XX/2021, I noticed that the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} were still showing in my statement balance. I did not activate the new card and immediately called the BBVA fraud number again. I was told that the transaction was on the previously cancelled card and the new card was not compromised. The customer representative told me that he filed a dispute for the UNAUTHORIZED transaction and an investigation would be conducted but meanwhile, he said that he has removed the transaction from my account. He gave me a case number ( XXXX ). 

Today on XX/XX/2021, I am still seeing both the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} in my statement balance with payment due XX/XX/2021. I immediately called the BBVA customer service again and the representative said that the investigation is still on-going and I don't need to make any payment when due but she said that she can not remove the transaction from my balance. These are the only transactions on the card for this statement cycle and the statement balance. 
My concern is that, since the transaction is going to take longer than 45 days, if I do not make the payment when due, I would be charged a late fee and reported to the credit bureau. I did not receive any formal email or letter about the investigation. 

It is unfair to acknowledge that the charge was a fraud and refuse to remove it from my statement balance. I need help from the consumer financial protection bureau to intervene to remove the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} from my statement balance before the card payment is due on XX/XX/2021. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: JPMORGAN CHASE & CO.
State: CO
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 recently became unemployed and filled for unemployment benefits through the state of Colorado which then awarded me benefits in the amount of {$710.00}. Due to a technical issue my funds were transferred unknown to me to Chase Bank into an account that I believed was closed and paid in full. Upon contacting Chase Bank I was then told that not only was the account still open with a balance they then took funds from my unemployment and applied it to my account and would only be returning a partial amout of {$270.00}. I then advised a supervisor of Chase Bank that on XXXX XXXX, 2015 I made a deposit of {$440.00} to cover a balance owed of {$440.00}. I then provided the supervisor with the requested information from the receipt and was told I would be followed up with within 48 hours. I did n't receive any contact until I called back Chase Bank a week later. I then spoke to a different supervisor and was not given any info until I told her that I would be filing a complaint with the CFPB. At that point she told me that no payment could be located. She told me she would speak to her manager and again I would receive follow up within 48 hours. No follow up was made and again I called Chase Bank and spoke to another supervisor who told me that the info from the receipt was invalid even though I provided the original supervisor with all requested information as well as refused to let me speak to a manager or the Chase Corporate offices and that the only thing that I could do would be to bring the receipt into the original branch ( XXXX XXXX XXXX, XXXX XXXX, CO XXXX ) which is not possible since I am out of state. I asked if I could fax or e-mail the recipient which he told me was impossible. I then filed a complaint with the CFPB which also did not resolve the issue even though I provided all the necessary info from the recipient including the date, time, and associate who took my deposit. They then asked me to fax in the recipient even though I did twice already. Once on XXXX XXXX and again on XXXX XXXX but still have n't received any follow up or resolution on this issue. At this point if Chase Bank does n't resolve this issue I will be involving the FTC as well as taking legal action to recover funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Despite significant reprimands from the government, Citibank continues to screw its customers over. I am foolish enough to hold a mortgage with them, for which I pay over {$1200.00}!! PER MONTH in interest ... yet earlier this year, Citibank decided they needed to charge me {$30.00} per month for a checking account which I barely use. When I went to the branch manager to discuss the fact that I had been with the bank for over XXXX years, and that I was paying {$1200.00} in mortgage interest monthly, he refused to waive my monthly checking fee, and instead offered me a " basic '' checking account - XXXX which charges me {$15.00} for overdraft ( despite the line being attached, and which used to automatically cover overdrafts - which is what a line of credit was designed for ) and for every other " service '' they offer. The branch manager " explained '' to me that my mortgage balance did n't count because it was with a " different '' division of Citibank ... in other words, since the P & L was n't under the control of the bank management, the customer should be screwed. It 's very clear Citi should simply get out of banking because the morons running the US have no idea what they are doing. I will be closing my accounts this month. After XXXX years. XXXX XXXX, please, if you do nothing else, please get the stupid ex-Card management morons out of the banking business. They are destroying the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
CitiBank is showing up on my credit report as opened as of XXXX 2015. This is incorrect information and should be deleted.

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 2021-04-27
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a email from Chime bank saying that my account was suspended for suspicious activity. They never stated what activity. In the email they requested copies of my state issued Id and another form of proof of address and a explanation of the funds in the account. I supplied all information the same day I got the email. I never heard back from them for a week. I called and emailed every day. I finally got a email back from them saying they were closing my account and I was not due a refund. And they could not give me any more information. I tried calling several time and can not get through to a live person. Meanwhile my income tax both federal and state are in the account and Im they telling me I cant get my money with not explaining how is this even possible. I submitted everything they have asked of me more than once and I have yet to hear back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ALLIANT CREDIT UNION
State: SC
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 WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
ALLIANT CREDIT UNION # XXXX ... XX/XX/XXXXXXXX XXXX XX/XX/XXXX# XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX # XXXX. 
XX/XX/XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXXXX/XX/XXXX # XXXX ... XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.

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