BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2020-06-15
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage has started to thereaten me with foreclosure of my home. They falsely claim that my mortgage payments have not been made, even though I have validated proof that those payments have been made through automatic withdrawals from my bank account. In my discussions with them over the past several months, they note that their records show payments received in the proper amount in the proper time. 

Lately, I've received letter noting a reversal of funds applied to my mortgage and a request for {$15000.00} payment. Along with the delinquency letter, it shows that my payments that I made starting in XX/XX/2019, were being reversed. 

To date, no one has been able to explain what " reversed '' means to me, and I continue to receive threatening foreclosure letters. The " so-called '' reversals are not credited to my bank account from which they were dispersed. 

I've never been late, nor have I ever paid less than the agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: OH
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : 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 2019-02-26
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly tried to have company verify debt. I have requested sign in sheet that is required to be seen at this medical provider. They can not produce any proof I was seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are trying to charge me for two months worth of rent on top of tons of excess fees. I have apartment manager at time a 30 day verbal notice of me leaving, and she informed me the apartment was rented the next month. I have also attempted to verify this and they claim it was in lease agreement they can charge 2 months of rent without 30 day notice but have Yet to provide me with a signed lease agreement only a spreadsheet with crossed out numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a private student loan debt with Navient. They have been calling after XXXX in my time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I noticed two fraudulent transactions on my Chase bank accounts. One is a check to transfer XXXX dollars from my checking account, and the other is a XXXX dollars cash withdrawal from my small business account. I notified my bank immediately and filed a claim against these two unauthorized transactions. The bank returned the {$2000.00} check to my account, but the {$3500.00} cash withdrawal has not been returned to me. The bank told me that a person in a XXXX XXXX  branch ( XXXX XXXX, XXXX XXXX ) withdrew the cash from my accounts using my driver 's license ID. 

I am disputing the fraudulent withdrawal based on the following facts : 1. The transaction happened in XXXX XXXX on XX/XX/2022, while I live in XXXX, XXXX and have not visited XXXX XXXX in the past few years. 
2. The signature on the withdrawal slip is not mine. 
3. I never lost my ID ; the ID presented in the bank must be fake. 
4. The date in the withdrawal slip is a future date XX/XX/2022, while the transaction happened on XX/XX/2022. It shows how negligent the bank branch was in handling the transaction. 
5. The bank never notified me or sent any text verification code to check the cash withdrawal authentication. 

Based on these facts above, I request the bank credit the fraudulent withdrawal of {$3500.00} to my bank account. Please contact me if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A signed affidavit was sent and delivered to XXXX, XXXX XXXX of the company on XX/XX/2021 about a credit card account and an alleged debt owed. There was a 5 business day time period to rebut the affidavit with an affidavit fact for fact pursuant to 15 U.S. Code 1681i ( 6 ) ( A ). Without this you agree to fault judgment in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
During a time of hardship, I reached out to my credit card company, Wells Fargo, to see if they could offer any assistance. I was referred to the collections department. Under advisement of the rep, the program entailed closing the account down and being put on a payment plan. They stated that I would have XXXX percent interest to help me through the hardship, which I agreed to do. Months later, I find out that they never honored the XXXX percent APR and gave me XXXX instead. Calling Wells Fargo back to have the matter corrected, they avidly denied ever offering me the XXXX percent and when asked if they could review their recordings, there were none available for that recording ( conveniently ). I am well aware that the collections department did help lower my interest from the original amount, but the reason I agreed to shut down the card was because of the XXXX percent interest. They blatantly lied to me and now there are no notations or recordings to substantiate the conversation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
A fraudulent inquiry was made by XXXX XXXX on XX/XX/20. I contacted XXXX and filed a dispute with equifax. XXXX verified the inquiry was fraudulent and informed me they were updating the information. Meanwhile, eqifax fail to remove the inquiry and would not investigate, stating it was a fact of record. After 30 days I reached out to both and again, was told by each business to contact the other and wait for 60 days. After the 60 days, I checked my consumer file and the inquiry remained. Again, I file a dispute, but the inquiry was not removed, nor was an investigation performed. When I contacted equifax for the 4th time, I was informed again, they would remove the inquiry after receiving notification from XXXX. So I called XXXX again and was informed they were sending another notification to equifax today XX/XX/20. XXXX, the resolution manager at Eqifax said they had not received anything from XXXX, even though XXXX said it was sent today and the inquiry should be removed in real-time. XXXX was also unwilling to provide any other supervisor above her, nor was she willing to investigate the matter. I enclosed three emails from XXXX  that the information would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
They told me that my account has been placed under review but refused to tell me why. I asked to speak to a supervisor and I was refused and then ultimately was hung up on. I also asked for a number to the corporate office to talk to somebody that was capable of making a decision and I was refuse that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Citibank - AAdvantage credit card I was introduce to this credit card with a promotional offer of XXXX bonus points after spending {$1000.00} for the first three months.by CitiBank Personal Banker XXXX XXXX ( at XXXX, CA ) and he help me to submit the application. 

Letter dated XXXX XXXX from Citibank quoted " The promotional offer on your account allowed you to earn XXXX bonus miles after making {$3000.00} in purchases within three months of the account opening which is totally different from the promotional offered by the banker. I want CitiBank to honour their promotional offer. 
Even CitiBank is still offering similar promotion on website with {$1000.00} spending in first 3 Months with XXXX bonus points. 

Thank you. 
XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. 

My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. 

In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). 

I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. 

However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. 

In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). 

When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. 
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a modification from HSBC because my rate is at 5 % and owe {$490000.00}. 
Unfortunately, the value of my property is {$350000.00} so I can not refinance. I am going through hardship because my income has been declined and my situation has changed. I now have childcare expenses. After 9 months of back and forth with HSBC through XXXX they asked me for the property back or short sale. My income is over {$100000.00} and they were not willing to work with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Actually I just filed another complaint a couple seconds ago and then saw something else disturbing with my account, Bank of America is stating I have n't made a payment since XXXX/XXXX/15 which simply is not correct. I logged into my bank account and have payments that were processed since then. This is all on autopay so there 's no oversights ... Just one more issue that shows the incompetence of BOA!!!!!!!!!!! 

Attached is a printout of the 'last payment ' ( XXXX paragraph ) and also shows how they are indicating I owe much more than I do. 

Add yet one more issue to the long list, so if in their records I have not made a payment since XXXX, why just now am I receiving notice of this ( 3 months later )!?!?!? How much in fees have they been charging while providing no notification..???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a " select checking account '' at Santander on XX/XX/2021. The promotion stated that the first business day after account opening was considered the " account opening date ''. Since XX/XX/2021 was a Friday, that meant that the following Monday XX/XX/XXXX was the official account opening date. I signed up for a promotion that required that I make a total of {$6000.00} in direct deposits within 90 days of account opening, to get a {$400.00} deposit to my account. I met the requirements on XX/XX/2021. The rules stated that I must wait 30 days from the last deposit I made, which was today, XX/XX/2021. I did not receive the {$400.00} that is due to me. I was also charged a {$25.00} fee that I would not have been charged had I gotten the {$400.00} deposit. 
I kept my end of the deal, Santander did not. Please deposit the {$400.00} to my account as well as the {$25.00} refund.

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 2016-01-06
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Account was deleted and then Midland Credit re-inserted and changed the date of last activity to re-age the account. I was never notified

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the three credit reporting Agencies XXXX, XXXX  and XXXX that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below XXXX and a credit report from the three agencies reporting a 90 day past due mortgage report by SLS Company ( specialized Loan servicing. It has been one year since SLS  received a full payment by the Title Company on XX/XX/XXXX ; SLS  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from SLS  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with SLS, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX To Whom It May Concern : Please note that I was unaware that BOA had sold my mortgage to you in XXXX XXXX. The first phone call I received was XXXX XXXX, XXXX asking for me to call XXXX Mortgage at XXXX. 
I had been corresponding with BOA pertaining to my hardships and was not aware that my mortgage was sold. I was even advised today that the number that is my contact number was listed as a do not call number. Was told by the representative that is was possibly a " slip '' of the finger. I have taken a job in XXXX TN and my son advised me last night that I had received a notice to appear in court on Monday, XXXX XXXX, XXXX. That is short notice and have priced tickets to try and make the court date and can not afford to do so at this last minute notice. I did not even have my loan number had to be advised of it today. 

Please find enclosed my loan modification packet and I can be reached at XXXX. 

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 2016-08-29
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Federal Loan Servicing reported a 90 day late to the credit reporting agencies in XXXX of 2016. I deferred my student loans while I went through consolidation and an income driven payment plan application. I thought that ALL of my loans were deferred while I went through this process. In XXXX 2016, I contacted XXXX, who I thought was the name for the federal government 's organization that handled ALL student loans, to defer my loans while I went through the process of consolidation and applying for an income driven payment plan. 
When I started receiving delinquent notices, having no idea that different organizations carried my student loans, I called XXXX to learn what was going on. XXXX assured me my loans were still deferred and the process was going on as expected. I did not know that there was another organization that I had to talk with to have the payments deferred on these loans. I thought I was doing everything right and was horrified when I learned that my credit was destroyed from the confusing way student loans are handled. 
The process is now complete and I am paying as agreed to Federal Loan Servicing, they have the entire consolidated loans currently. 
I have contacted FedLoan Servicing and have sent them their disputed credit form twice and have been categorically denied ... I do n't believe they have even read my letter. 
Please help me in convincing this company to reverse their negative reporting. Loan # XXXX.

Company response to consumer: Closed with non-monetary relief