BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan services also known as SLS, I have set up automatic deduction from my checking account to pay them each month. This fall XX/XX/XXXX, is escrow review and new payment schedule. All good there, they deduct at the old amount and then they changed it to the door about and I was okay with that. However, they say they did not get their payment when I did in fact come out of my account to do escrow payment about for the month and to get to do for that to continue on out from here. The bank themselves even emailed the company and facts three types but this has been paid. They say they don't get payment. I called myself I get the same runaround XXXX I don't know what else to do send here to you Maybe my checking balance sheet would you like me to send it here? SLS mortgage has this but they say they don't it's been emailed six times now

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 2020-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Dear CFPB Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Last for SS XXX-XX- XXXX. 
Balance {$350.00} Complaint against : XXXX XXXX XXXX  and Chex Systems XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX please removed from my Chex systems report. 
Account # XXXX please remove from my Chex system report. 

Neither of these entities have been verified I have received no receipts or overdraft or anything XXXX XXXX  has not responded to my letters or my request to valid this. CHEX SYSTEMS have not given me any proof of this. 


I have written a letter to Chex Systems and told them to validate a debt that was in by Chex Systems report. I have asked Chex Systems to remove this from my report they wrote me a letter stating no they will not remove this information it was validated they did not send me what was validated and where the balance came from I was told the balance will be left in my report. This is causing damage to my creditability I want it removed I contacted XXXX XXXX to settle this issue I asked them to provide to me where this balance came from and if they can find out where and it is presumed accrued by me I offer them a settlement of 50 % of what the balance they are stating is and also to have those accounts removed from my reports. The Chex Systems report states I have a balance of {$350.00}. Chex Systems did not send me how this balance was created although I must have this out of my report. This balance is presumed from 4 years ago I do not remember having an overdraft with them or a balance. I do not owe XXXX XXXX any money how and receipts when where. 

I want both entries removed from my Chex Systems file please. Neither Company has shown me where these balances came from since they can not it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2016-04-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir or Madam, I am hereby submitting a complaint to Citizens One Home Loans and their escrow waiver fee policy. For the past three months, I 've been trying to cancel and waiver my escrow service with Citizens One Home Loans. However, before I am able to do so, I must pay Citizens One an escrow waiver fee of approximately {$960.00} in order to cancel my escrow service. 

In review of my signed documents ( the good faith estimate and truth in lending documents ), there is no mention of an escrow waiver fee and this was further confirmed by Citizens One 's own review. In addition, no mention of an escrow waiver fee was informed to me by my loan officer at any point of the mortgage process, either in person, phone or by email. 

Despite of all this, Citizens One Home Loans insists that I pay an escrow waiver fee in order to cancel my escrow service. As a result, I am submitting this complaint that Citizens One is unfairly demanding a fee for which I had prior knowledge of and/or accepted as part my mortgage loan agreement/contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Express Recovery Services, 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: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix

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 2020-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I purchased a phone online thru my online banking with Wells Fargo. I used the XXXX function on my Wells Fargo app. I never received the phone or a refund from the company. I filed a dispute with Wells Fargo and they declined the dispute and sent me the attached letter. They told me verbally they were not responsible for it because I used XXXX and not their bill pay function. XXXX IS ON THEIR ONLINE BANKING APP! If they do not cover fraud on XXXX purchases then they should remove it from their Wells Fargo App. That is VERY misleading! There was no indication to me that if sending {$160.00} to XXXX  was fraudulent that Wells Fargo would not cover it as it would with any other transaction using their Wells Fargo App. I am requesting a full refund from Wells Fargo. I offered them my invoice from XXXX  and Emails regarding the fraudulent transaction. Wells Fargo didn't want any of it, they just declined it. 
Claim # 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 2015-12-26
Company: Genesis Credit Management, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX has refused to provide me with any documentation regarding the alleged debt or with any contact information for her company. I have asked for the debt to be validated every time we have spoke and she either ignores my request, states that " it has been to long now and she does n't have too '', or says that " They do n't have to provide me with information/validate the debt ''. Additionally, I have requested that the company to cease and desist contacting me. XXXX XXXX has ignored my request and continues to call. They claim the debt is from unpaid rental fees, and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XXXX due to this and now they're playing games stating they have no information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Bass & Associates, P.C., Attorneys at Law
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I called Bass and Associates in XX/XX/XXXX and XX/XX/XXXX. The company claim to have my student loan debt which has been defaulted or for a overpayment. Currently my account is in good standing with XXXX XXXX. I am in my 2nd year of college and shouldn't be paying student debt until XX/XX/XXXX. I have been calling but no response from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone opened XXXX XXXX XXXX Uverse accounts using my personal information. The locations were not even in the state where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : Fair Collections And Out Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-07-19
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As the client 's XXXX XXXX I have been trying to obtain the Promissory Note for the client since XX/XX/XXXX in order to apply for Hardest Hit Funds in NC. The client has called several times, as the XXXX XXXX XXXX I submitted a new Third Party Authorization on XX/XX/XXXX according to their requested specific  guidelines that the agency name and phone number had to be on the same page as the clients signature. When I called back today XX/XX/XXXX Citi Mortgage then informs me that the client has to be present for them to provide me with the document. At no other time have they relayed this information to me. Then when I told the agent that the client has also called several times and requested the Promissory Note but it has never been received there was not answer for this.

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 2020-01-12
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband of 43 years passed on XX/XX/XXXX we where with Ocwen they agreed to a modification of my loan. I started to pay them XXXX per month starting XX/XX/XXXX. Ocwen transferred my loan to PHH Mortgage I have been with them since XXXX XXXX. I have never missed a payment with them of XXXX at 5 % for 30 years. I was 3.75 % and my balance was XXXX moved in my home XXXX. They agreed to my modification and my balance on my home is XXXX. They stated to the credit bureau I miss XXXX, XXXX, XXXX and XXXX, it took my credit to XXXX. I am still working in the XXXX XXXX with XXXX XXXX XXXX that I could loose due to this credit report error. I sent bank statement showing never late or missed payments and that my modification with them was approved due to me never missing a payment with them. My credit is very important to me now that it's only me. I would like them to correct this urgent mistake so that I can live this is causing me overwhelming hardship. Also are their attorneys that can help people like me to assure that this modification is not again hurting me and it ; s fair justified. I can send you copies of letter to PHH to correct this major error. 
If not my life is over due to this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Some one used my name and social security number yo open up a light bill at an address I never lived at

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
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 have recently been a victim of identity theft and have been trying to fight it since. Someone, I don't know who, stole my personal information and used it to open a line of credit with a credit grantor. I don't know how this thief got ahold of my personal information but I have not given my information out to anybody nor have I authorized anybody to open it for me. The account opened by the thief is called " XXXX '' The day it was opened was XX/XX/2020 and the Balance is {$0.00}. I have tried to get this account blocked and deleted off my personal credit report as advised by the credit grantor due to my situation and I've has no luck. I am neglected even though I studied my rights and have provided all the valid documents as stated by the Fair Credit Reporting Act.

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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account review inquiries unauthorized by 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 explanation
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.

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 2020-01-12
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants & Professional Collection Bureau , Inc. 
XXXX XXXX XXXX , XXXX, TX XXXX Reported an account in collection to all 3 credit reporting agencies as " joint ''. It is not. This is another family members sole responsibility. 

This company tried to contact me ( cold call ) several months but would not release any info unless I provided personal information which I do not do to unknown cold calls. 

This company fraudulently listed this as a " joint account '' in " collections '' against my credit. 

This company will not provide any information except to the other family member, yet maintains I am responsible. 

Action : This needs to be cleared on my credit files and this company should be severely fined for illegal and immoral business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX & XXXX XXXX USAA Began Fraud Investigations on Purchases of XXXX & XXXX of XXXX by placing Temporary Credits on XXXX & XXXX Listed as Adjustment Purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are Not included in Total Credits Applied for this period {$910.00} APPLIED I have Not been Notified the Results of the Fraud Investigations Begun XXXX & XXXX. A FULL YEAR LATER ON CHARGES TWO YEARS AGO What is the Resolve of these fraud investigations? Were Credits made Permanet? Why? When? 
Criminal Investigation of mail fraud. Letter dated XX/XX/XXXX sent XXXX Requires Proof Tracking DELIVERED INTO MY HANDS XXXX & XXXX Fraud Investions above are from Purchases of XXXX & XXXX of XXXX. Why did USAA DELAY 5 months BEFORE EVEN BEGINNING AN INVESTIGATION? I HAVE BEEN LIABLE FOR FRAUD FOR TWO YEARS UNRESOLVED AND SENT TO COLLECTIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian deleted my social security number and date of birth on my credit file. It causes that bank can not find any information through my social security number. Even though I provided them my copy of social security number and my passport, they do n't help me to solve it. I strongly doubt they mix my credit report with others because there are two accounts does not belong to me on the 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 non-monetary relief
Consumer complaint received 2020-01-12
Company: AMERICAN HONDA FINANCE CORP
State: TX
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:
I have been a Honda Customer for past 6 years with multiple leased vehicles with 0 late payments. 

In XX/XX/2019 I moved from XXXX to XXXX. My XXXX payment for 1 of my leased vehicles was returned. I did not receive a communication from Honda that it was returned until I received the next bill in XXXX in which was then paid in full. The account is paid in full and closed. 

I disputed as Honda said they attempted to contact me in which I did not receive any communication and as soon as I did ( next bill ) was paid in full. 

This should be removed from my credit report. I have a long strong history of credit including with Honda.

Company response to consumer: Closed with explanation