BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning in XX/XX/XXXX, I received our escrow analysis sent to me by our mortgage company TCF. Seeing two months with a reported {$0.00} paid into our escrow account, I called and explained that was an error and asked for a new report to be run. 

A few months later, I had not heard back and called in and chatted with XXXX. He sent me my payment history which shows I did in fact pay my escrow. He said he would look into it and get back to me. 

Two weeks later and no return call, I called again and talked to XXXX. She repeated what XXXX had said. I received a call back from her on XXXX but when I called back I was unable to be connected to her or XXXX. I talked to XXXX at XXXX XXXX who gave me a new number to call XXXX. I left a message at that number for a Mr XXXX. I have never heard back from him. 

I sent a certified letter as my Notice of Error ( attached below as TCF Bank ). It was delivered on XXXX at XXXX XXXX. I have not heard back from anyone in response to the letter. 

on XXXX I was fortunate to talk to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they agreed there were zeros for those months on our escrow statement but there was a payment made. I was given an ID # of XXXX and was told this would be labeled a high priority. To date ( XX/XX/XXXX ) I have not heard back We have been making extra payments to our account in good faith but I do not want to continue to do so. We do not believe there is an escrow shortage. The months of XX/XX/XXXX and XX/XX/XXXX did in fact have payments sent by us for our escrow account. I can not explain why the escrow department did not credit us those amounts. As an added unexplained item, in XX/XX/XXXX there is an unapplied {$800.00} on our account that can not be explained. We did not send in any additional payments and according to many TCF employees, there is not a check or explanation as to where it came from. 

Until XX/XX/XXXX ; we were sending in paper checks for our mortgage.However, TCF does agree we sent them in. How those monies are not showing up in our escrow account I can not explain. I have no idea if this has any bearing on the the disputed escrow amounts. We are now paying electronically and hopefully this will not happen again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Diversified Consultants debt collector calls everyday repeatedly all hours of the day and night and hangs up from number XXXX. They have never once left a voicemail or stated who they are they just call and call. They have never mailed a bill. They have been calling daily for the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened checking account with Citi based on their promotional offer. I moved $ XXXX into the account back on XXXX 2022 and kept money in the account through now start of XX/XX/2022. The last interaction with Citi was via their internal website chat where I was told I'd expect my promotion bonus ( {$300.00} ) by end of XXXX. I am still waiting. This is the XXXX time Citi has refused to pay out a checking account bonus to 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 monetary relief
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I have a credit card with Chase bank one I have had forever. I have my account on autopay. I have multiple cards. Chase placed it annual fee of XXXX on my account. The account had not had a balance all year. The Bank did NOT mail me a statement. They just charged the amount. After 40 days they mailed me a delinquent notice which I did receive. I went online to pay I have other credit accounts with Chase and had updated my I updated the bank account on my autopay. Chase did NOT advise that I needed to do that fore EACH CArd on the same account. In any event, I paid the past due fee online. The problem was that the check was returned account closed. So not only was I not late but it was because of a closed account due to Fraud. CHase REPORTED ME, DELINQUENT, for nonpayment of their annual fee. Even though I paid and it was returned. 1 ) they didn't mail me the statement with the fee 2 ) They don't show account info on the payment accounts online so I did not realize the payment was from a closed account 3 ) I have never ever been late 4 ) they reported me for an annual fee for a card I didn't want and wasn't using. 30 days late for payment of ANNUAL CARD FEE are they Kidding I have contacted them and they say contact the credit bureau credit beara says the reporting is accurate because chase says it's accurate Please stoop these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}

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
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. 

[ See attached letter for details. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XXXX XX/XX/2020, Barclaycard USA attempted a withdrawal from my bank account. I was pending my monthly paycheck, and so this payment was denied and I was charged both a NSF fee by my bank and Barclaycard. I had already paid the mimumum monthly payment for XXXX, so was unaware that an additional payment was being made. As a result of the NSF fee on Barclaycard, my credit card went over the credit limit. So I posted an amount of {$30.00} to reduce the credit limit - but this was also charged an NSF fee. Both the original payment and the {$30.00} payment were then retried, without my permission, by Barclaycard, charging 2 additional NSF fees ( at {$28.00} each ). I emailed, and I was slightly upset so had a slightly accusatory tone, to Barclaycard to stop attempting payments. Today, I submitted a {$250.00} payment to the Barclaycard credit card, to reduce my credit limit to well below the maximum amount, after I received my monthly paycheck. I wrote to Barclaycard explaining this. Through this process, however, Barclaycard did not, and has not replied to either of my messages ( through their online system ), and in addition, my online banking, is now showing my account is closed. I tried to call Barclaycard and their lines are busy with very long waits, which is understandable during the current COVID19 situation. But what is not understandable, is their lack of communication and attention to resolve this issue, again, similarly during this COVID19 crisis.

Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV contacting me about debt that I don't owe to them. 
LVNV contacting me without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings, because of consolidation. There should only XXXX reportings. Also, Experian does not put full account numbers on my fed loan servicing accounts, when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute, because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts, ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX ), to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts, should not be reporting on my credit report any longer because they are not the original creditor or the current account holder, that 's why they are double reporting. I have disputes these accounts several times, with detailed disputes, & Experian continues just to verify name, date if birth, etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report, not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian, again does a horrible job, verifying detailed disputes, even if I tell them exactly what is wrong. XXXX account XXXX-date open XXXX, should have always had a status of " paid, closed '' - not transferred & closed. It was paid by consolidation loan, & paid in full in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage was transfered from XXXX to PHH Mortgage in XX/XX/2022. I received my first stmt on XX/XX/XXXX with an additional charge of {$30.00} for a " pay off '' quote fee. Well, i never requested a pay off quote and i never consented to being charge a payoff quote to transfer my mortgage to another servicer. 

I contacted PHH customer care about this charge and was told i had to pay it as part of the mortgage transfer. This is STUPIDLY INSANE!! Why would i be responsible for the cost of PHH business operations??? 

My monthly payment with XXXX was {$3800.00} and that contractual amount MUST be the same with this crazy PHH Mortgage servicing company. I will not pay any charges and any negative reporting on my credit will be met with swift litigation on this absurdity of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage increase my mortgage payment stating that I didnt have enough money in my escrow account and because of that they paid the City and school taxes and now I owe them that money. According to the City AmeriHome havent paid the taxes and now I have been sued by the city for unpaid taxes. I had called numerous times to AmeriHome to get to the bottom of this situation however, they have failed to provide proof of the payment of the taxes.

I had to hired an Attorney to help me solve this situation. My attorney sent a letter to AmeriHome and were waiting for a response and he advised me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Guidiville Indian Rancheria
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have an outstanding debt with Blue Horizon ( {$400.00} ). This was a loan I had taken out to help pay for medical and moving expenses when I became XXXX and XXXX  retired with XXXX XXXX XXXX. The debt collector called a family member ( my brother ) repeatedly and at XXXX XXXX in the morning to try and contact me. Blue Horizon ( or its partner XXXX XXXX XXXX ) never left a message on my own phone number ; they contacted my brother directly and used aggressive language. They violated the rules of calling only after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Someone named XXXX XXXX stole my birth certificate and social security card a couple years ago and has been trying to open accounts. He lives at XXXX XXXX XXXX in XXXX XXXX az XXXX and is using this address as my current address which is invalid.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: DC
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:
Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.

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 2016-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary " no interest '' means no fees, by any name, for the use of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiry has been neglected by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of inquiry that needs to remove completely from my Credit Report. 
Inquiry : XXXX XXXX BANK XXXX of Inquiry XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Aspen Yo LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have a construction loan since we bought the house and the land in XX/XX/XXXX first with XXXX XXXX 's Federal Savings bank in XXXX XXXX Maryland we got behind in payments after lost Job in XX/XX/XXXX and XXXX XXXX 's XXXX XXXX XXXX refinanced us to a lower interest rate to lower payments and then the other spouse lost her job in XXXX and our payments of XXXX was replaced back into our loan to catch us up but after the bank sold our loan to Gregory Funding who we think are a group of investors-that took the loan over added back the XXXX plus all the added arrears on to the loan. My husband is working full time as an XXXX and we have extra income due to my father who is a vet living with us we are now able to afford our home but after mediation with Gregory Funding they are demanding we pay the XXXX plus an extra XXXX including the mortgage payment of XXXX or they will foreclose on our home that mediation was done on XX/XX/XXXX they said they will contact us in 30 days for a final option from us it 's now XX/XX/XXXX and we are getting nervous cause we have not heard from them and we do n't want to lose our home Gregory Funding only has a XXXX XXXX XXXX XXXX XXXX we do not have XXXX in funds to catch this loan up and what they are asking from us is not workable to help us stay in our home something seems very suspect with these investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health

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