BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.

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 2022-05-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Escalation to denial letter dated XX/XX/2022 Chase Loan # XXXX XXXX  XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX WA XXXX Email XXXX Ph # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX HUD XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX P XXXX x XXXX Fax XXXX XXXX XXXX has been denied a loan modification and can afford an increased payment. Monthly income is {$8700.00} where he has a surplus. We are requesting that Chase take this into consideration and offer a modification with a higher monthly payment. 
Denial letter says : Were not able to create a lower or affordable payment without changing the terms of the mortgage loan beyond the programs requirements *Please provide the excerpt from the XXXX XXXX  XXXX agreement that does not allow for assistance during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Data and Contact Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DCM Services , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX DCM Services calls and sends letters to me concerning " The Estate of XXXX XXXX '', I have told them many times I have no knowledge of this estate. 
I ve asked them to please stop calling me at work. They claim it's a private issue and can not discuss it with anyone. 
I want them to stop calling and sending letters to my mail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX I paid a Morgan Stanley mortgage. For some reason they did not update my CBR on time. They submitted a letter to me in XX/XX/XXXX stating they made a mistake and it was corrected. However I am applying for a mortgage and a deragatory has appeared on my CBR and XXXX XXXX is deeming it an issue.Morgan Stanley claims they are trying but the mortgage department is no longer in tact and they do not know who can update my CBR. They have acknowledged the letter and their responsibility yet the issue is not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: Van Ru Credit Corporation
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A man by the name of XXXX XXXX contacted me today ( XXXX ) with a phone number of XXXX. However the phone number that appears on my caller ID is XXXX with unavailable name. When they leave a message they state that they are attempting to collect a debt with XXXX as the company name. Today when the man called ( XXXX ) he was very rude and told me that he needed to speak to my husband XXXX immediately! I told him that he was at work! He wanted to know where he worked and I just told him in XXXX. I told him that I was his wife and asked if I could help him .... he said he needed XXXX 's social security number and I asked what the company name was and he would n't tell me so I told him that I would n't tell him the social security number. Then he asked for his date of birth ... again I told him I was NOT giving him any information unless he told me what company it was for. He said that he could n't give me any information until he knows if it 's the right person. I '' M NOT GIVING HIM ANY INFORMATION!!! I DO N'T KNOW THIS PERSON!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been an authorized user on a XXXX Account and can not see it on my credit report I have notified XXXX and Transunion and they keep sending me back and forth on the situation I just want it that when I use the card and make ON -Time payment that it shows on my report as well. Can someone Please help me get the XXXX account added to my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX XXXX, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2022-05-31
Company: Consolidated Information Services Solutions, LLC
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX XXXX, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Performant Financial Corporation
State: NH
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ). 

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX. 

Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX. 

Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company. 

Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX 

I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXXConsumer to TransUnion am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. TRANSUNION, XXXX, AND XXXX ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making MG CREDIT the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i

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 2022-10-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to include my opt- in. opt- in to XXXX XXXX Equifax XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son, XXXX XXXX XXXX, received notice that XXXX XXXX sent him to Nationwide Credit XXXX Inc. to collect {$900.00}. This was his former employer, XXXX 's XXXX XXXX XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and XXXX XXXX says they can't access the info because it went to Nationwide and Nationwide hangs up on you siting an " error '' while on hold. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am requesting an Emergency Lock down on my credit, In the month of XX/XX/XXXX I received XXXX inquiries all within a 10 day period. I gave no consent for these and now I 'm suffering because I wish to obtain credit for legitimate purposes and these inquiries are holding me back. I have submitted a screen shot from Credit Check Total Page showing these Inquires. If you could please get rid of them asap, as me and my girlfriend, ( soon to be fianc ) and planning on buying a house THIS YEAR and need a tight report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,  XXXX ,  XXXX  ceased servicing our loan and sold those rights t o Select Portfolio  Servicing. We disputed  XXXX  's handling of the servicing and the late fees they had alleged were due and this dispute was ignored.     Then, during the transfer from  XXXX  to  Select, Select did  not pay our Real estate taxes on time in  XXXX .  XXXX   XXXX   School District verifie d the receipt of the late payment penalty check #  XXXX  in the amount of {$290.00} prepared on  XXXX   XXXX ,  XXXX  from  Select Portfolio ( see attached ). (  This tax payment should have been made by the discount date as wel l ). Th is failure to pay our real estate taxes timely and had we not caught Select 's error, our home was placed in jeopardy of being sold at sheriff sale by them. Upon learning of the error we filed verbal and written complaints with Select that were initially ignored, acknowledged on  XXXX   XXXX ,  XXXX  &  XXXX   XXXX ,  XXXX  and eventually dismissed. They forwarded to the real estate taxing authorities amounts that were greater than the discounted amount and the face value. They have not refunded those penalties and interest to us. They had us absorb and pay amounts that we were not legally required to pay. This higher payment disbursement amount and their failure to fix what had been done was the direct cause of financial hardship for us.  Select Portfolio  then increased our escrow account monthly payment to approximately {$660.00} an increase that was calculated incorrectly and caused an even greater financial hardship.     These errors and increases resulted in threats to foreclose on our principal residence.     After getting no reasonable response to the above issues, we prepared and submitted a request for mortgage assistance and that was not handled properly. We provided Select with all of the information they requested timely. We have been paying 5.125 % interest on our loan when we should have been approved for a reduction to below 4 %. This would have resulted in a savings of at least $ 200 /mos.      Their use of foreign call centers has contributed to this company 's failures as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Citizens One Personal Loans saying I did not pay my monthly payment of {$480.00} on XX/XX/XXXX. I have no idea what this is about. I did research and it did not appear it was fraudulent. I called them and the person in the Late Payments Recovery Department said they do not see me in the system and would transfer me to the Billings Department. They said it from from an XXXX XXXX purchased XX/XX/XXXX. Unfortunately I gave them the last 4 of my SSN. I then called XXXX and they said it is a phising scheme. My account had nothing due on it. I'm not going to call the company again. They suggested I file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$5800.00} into my checking account with a check from a company that I had made recent deposits from and the teller didn't tell me there would be a hold for 7 days on the funds. They told me this 24 hours later on a Saturday when the XXXX involved was not in the office. They would not give me a reason why the funds were held and left me with no explanation and a 7 day wait for my money which will cost me a late fee on my mortgage, overdraft fees etc..

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 2022-10-08
Company: Block, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was trying to get my money back sent to my cash app account from some items I didn't need or want anymore so I called this number XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I could receive my money back in return so she had me XXXX purchase 2 XXXX money cards from the XXXX here on XXXX XXXX XXXX XXXX DC XXXX the says $ XXXX {$200.00} dollars can be added on the card so I've used my cash app card and got nothing in return so she said that {$350.00} dollars would added to one card and the other of {$300.00} dollars so I borrowed {$200.00} dollars from my XXXX XXXX XXXX so he used his personal card to send me the money on my cash app account to get the other car now I'm out of {$650.00} dollars behind the fact of me thinking I'm getting my money in return nit knowing it was a scam so I could XXXX company customer service and they gave me your number and information plus they said it was a scam now they are not trying to answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
problem occurred  XXXX   XXXX . I tried resolving :  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  x  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  the bank has ignored us and has NOT ANSWERED OUR QUESTIONS about how on earth someone other than myself and my husband ( the  XXXX  only card holders ) can just call up and get  XXXX  points. We have CONTACTED THE M 87 ti mes AS A COURTESY to ANSWER OUR  XXXX  questions as to how our PRIVACY has been breached and continues to be breached?! See attachment. The bank THINKS that by chopping up the card, giving us a new card and a few lousy points will suffice? NO WAY! ANSWER OUR  XXXX  QUESTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
- On XX/XX/XXXX, I opened a new credit card with Wells Fargo and found out that my XXXX credit card was closed without my notice : no phone call, no mail, no email. I believe it was around XXXX - XX/XX/XXXX since that the last email monthly email I received from them. The account had XXXX reward points in it ( email attached ). 

- On XX/XX/XXXX and XXXX, XXXX, I contacted Wells Fargo customer service a few times and got the same answer that they could not find any information about the closed account. I went to a local Wells Fargo and had them filed an escalation. 

- On XX/XX/XXXX, I received a call from Wells Fargo saying that the account was closed because of a long inactive period. And that they could not do anything to get my reward point back.

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 2017-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have encountered several incidents of financial identity theft dating back since XXXX 2014. As of XXXX 2014 a credit card was applied for online using my personal information. I was made aware of this per phone calls I received regarding non-payments. I did not apply for this credit card nor do I know where it has been used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: NC
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 did not authorize or agree to XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation