BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Started in XX/XX/XXXX I began working XXXX XXXX I did not know and he was going to do XXXX XXXX for me. Had me sign up for all these apps. Apps started taking money out of my account without my permission. I reported to Bank of America in XX/XX/XXXX. Just received mail yesterday my account was closed XXXX no explanation why I was not given back some of money they told me in letters was credited to my account. Then they reported me to XXXX XXXX and that lead to my new personal bank putting me on hold and now I cant use my debit card til this gets resolved. I dont understand.

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 2016-10-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX person, Ocwen loan servicing transferred this loan portfolio since XXXX XXXX XXXX from GMAC in bankruptcy Court. That court 's findings verified & ruled negotiated XXXX modification contract breached, valid, dozens of undue payments & charges & fees. Based on such Ocwen was required to comply but not doing so forced action which I handled for about two years. In requesting Ocwen to comply, Ocwen required undue payments, a un-requested loan payoff & after court overruled Ocwens demurrers & denied summary adjudications, Ocwen now has denied me monthly statements since XXXX XXXX. Ocwen was submited undue charges, fees, placing loan in past due status, sent unrequested loan payoff. now in choosing to litigate issues ruled breached by both bankruptcy & superior court asserts errors in XXXX modification. This caused XXXX of dollars in costs as I rely on Soc. Sec. XXXX I chosed contacting the cfpb & going over Ocwen Consent Order sections pertaining to charges, undue fees, monthly statements & errors on contract drawn by lenders, they still are have not provided monthly statements since XXXX XXXX, where I can see how payments are applied, escrow, insurance, fees etc. the response has been that loan is in litigation that why no statements has been or will be issued. I must emphasized there is still 17 years on my loan. by cfpb mentions these were the same reason why Consent Order was entered against Ocwen, to prevent this from happening again. Ocwen says it 's bank policy not to provide monthly statements if loan is litigated, but I did not see any exceptions on consent Order. How will I verify how payment is being applied with past history of undue charges?. My lop-top computer is not working so I can not go on line. Ocwen 's still do not want to issue statements. in addition upon placing loan in past due status, I have had to certify monthly payments which adds an additional charge which do not have to be. I understand that borrowers are supposed to correct all issues concerning loan charges, fees, within a quarter period. in addition, lenders can not claim errors on modifications per Consent Order sections. claiming errors, blaming customers for such it is outrageous, & using above excuses in retaliation is even more. once confirmed by cfpb officials complaint had merit I now make this declaration. I have evidence of undue payments fees & charges & un-requested loan payoff, bankruptcy court ruling minutes, ruling & order & superior court rulings of breaches and overruled demurrers available upon agency 's request. I have had several XXXX XXXX including a XXXX caused by these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XXXX/XXXX/2015 I deposited a check for XXXX dollars a standard hold was placed on the check. An additional hold for XXXX dollars was also placed on my acct. overdrawing my acct. by XXXX dollars. The branch manager has told me this is standard practice however I am being assessed fees every time a purchase made on XXXX/XXXX/2015 clears. The check had writing on it for bankruptcy/moving expense 's and I feel this was a malicious act by the teller. I have deposited other checks of equal sums and not had a double hold placed on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CrossCountry Mortgage LLC
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:
I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX  and XXXX at least twice now. They find that CrossCountry is incorrect and then amend. Then a month or 2 later CrossCountry bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
To Whom It May Concern, I just received verbal confirmation that XXXX XXXX, Daughter, will be removed as an Authorized User on my Sear 's Credit Card, account number XXXX ( the Account ). It is my understanding that Sears intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, I have written proof ( see attached ) that the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of purchasing a home ; the negative impact ( lower credit score ) from reporting the Account on her Credit Report, will prevent her from qualifying for the Mortgage. Since she is not, and was never, responsible for the balance on the Account, I do not understand why Sears would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the proven negative impact the Account has on her Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Sears, to discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. This dispute has been going on for over a week. Time is of the essence ; XXXX is currently under Contract to purchase a single family residence at XXXX XXXX XXXX, XXXX, TX XXXX and if we do not receive the written and verbal confirmation needed, she will lose out on the purchase. This is not an insurmountable request and I feel it is something that could be done immediately.

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 2022-04-19
Company: Southwest Recovery Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I sent a letter of verification of debt to Southwest XXXX. I have not received any letter verifying I owe a debt. But, they reported the old collections to XXXX as a new collections today, XX/XX/2022. This dropped my credit score and is stopping me from establishing new lines of credit and buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX XXXX issued a loan to a non existent person, the perpetrator responsible for the fraud was convicted and the loan was included in the restitution. The bank is refusing to remove the fraudulent trust deed and has initiated and forcing a foreclosure on a verified fraudulent trust deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i applied for a deed in lieu in XXXX XXXX it was approved and I wasasked, in XX/XX/XXXX, to vacate the property and execute the finaldocs, which I did. In XX/XX/XXXX the mortgage company sent me XXXX. Later, in XXXX, I was told there was an error in theprocess and final approval had n't been received, so the deed in lieu wasstill pending. I received the new approval in XXXX. Later, in XXXX, I received a letter stating due to title issues my application hasbeen cancelled. The mortgage company knows that the property titleis clear because I have provided all request title documentation. 
They also know that the property is now in terrible conditionsince it has been vacant for approx.. 1 year. It is my position thatthe mortgage company did not want to the property back becauseof the challenges it presents in selling, hence it reneged on its offerof a deed in lieu. In XXXX the mortgage company beganforeclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Meridian ARG Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: MSCB, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These accounts are not mine. The only one that I claim is the one I owe XXXX on. I have been making payments on this account and have never missed but perhaps a month or so. If you are going to send me a collection letter and place this account in collections, I will not pay another dime. I would like to request my money I have paid back. I have spent years building up an amazing credit score and I refuse to let you all ruin this for me. Do not call my house or place of employment. Do not write me. Do not email me. Take me off this collection list now. My lawyer for all matters is XXXX XXXX. XXXX and XXXX XXXX XXXX  in XXXX XXXX, Arkansas!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: NY
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:
This bank is crazy Im a loyal customer with my macys and Bloomingdales I recently applied and was approved for my XXXX macys and they shut down everything and its not fair I want my accounts reopened the reason the letter makes no sense returned payments in last 6 months their is no balance and then I called the credit team they Sais Im right and these accounts shouldve never been closed they said their eligible to be Reinstated what they have done to me is wrong cut off my charging orivigled and these letters with the reason make no sense after a review of my account what review if I pay on time and this makes no sense they said their executive office closed my accounts and is blaming the credit team the number on the letter

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 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. 
My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around 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 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have credit inquiries on my Transunion report that were previously removed and now have reappeared. I would like them to be removed permanently 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 2017-08-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX On XX/XX/XXXX, I submitted a formal request thru email to my mortgage company ( Freedom Mortgage ) for removal of mip insurance for my fha loan. I had already spoken to someone in thier Customer Care department and I was told that I met all requirements for mip removal for my loan, except that the secondary loan I had already paid off did n't apply towards getting me under the 78 % loan-to-value ( Ltv ) ratio required, so I had earlier given a payment towards my principal in the amount of {$6000.00} so that I would be under the required 78 % Ltv.
On XX/XX/XXXX I received a email from Freedom Mortgage stating my request for mip insurance had been received. I few days later I received a letter from Freedom Mortgage saying they were reviewing my account and to allow up to 30 business days for a response. After the 30 business days had past I began to contact Freedom Mortgage 's Customer Care Department to tell them I had not received anything in the mail and if they could please update me if the mip removal had been approved. I was told that my request had been approved and I should receive something in the mail soon. I waited about a week and still had not received anything in the mail and called again. Again I was told I met all requirements and this time I was told they were waiting for a Fha approval letter. On Wednesday XX/XX/XXXX I called Freedom Mortgage 's Customer Care Department once again so I get an update on my request. I spoke to a man named XXXX who I told that after calling multiple times I still was n't clear if my request for mip insurance removal had been approved or not. He told me that I did meet all requirements and that FHA had until XX/XX/XXXX to contact Freedom Mortgage and that I should call back on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received a written response from Freedom Mortgage or a phone call. I just spoke to XXXX in Freedom Mortgage 's Customer Care Department who told me my request was just submitted to the FHA on XX/XX/XXXX! and that a request like these could take up to 3 to 6 months!

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 2022-04-19
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, Citibank emailed me a promotion as an existing customer. At the time I had a Citi credit card, and Citi invited me to open a checking account with the promise of a {$1500.00} bonus for depositing {$200000.00} within 30 days of account opening, and keeping {$200000.00} on deposit for XXXX consecutive days. In response to this promotion, I opened a Citi checking account on XX/XX/XXXX. As of XX/XX/XXXX, I had deposited my {$200000.00} savings into the account. I took it out of a higher-interest paying deposit account at another institution and deposited it into Citi 's XXXX paying account in reliance on Citi 's promise of XXXX {$1500.00} bonuis. I maintained that {$200000.00} balance for XXXX consecutive days, thereby satisfying the promotional requirements. The {$1500.00} bonus should have posted by XX/XX/XXXX. When the bonus had still not posted as of XX/XX/XXXX, I contacted Citi via its online Chat feature. The representative asked for the promo terms. I cut and pasted the promotion into the chat. The representative agreed the bonus should have posted, and opened a dispute for me. On XX/XX/XXXX, Citi wrote me to deny the bonus and even deny any promotion offered for my account. The letter said if I had documentation to support my claim for the bonus, I had to FAX it to Citi. The fax requirement is unfair and unreasonable, particularly during a pandemic. I have no fax machine at home. I would have to enter a XXXX XXXX, XXXX, XXXX XXXX, or some such vendor location and PAY to send fax. Citi realizes that fax machines are outmoded and inaccessible, especially now while so many people work from home. Better banks, credit unions, and the CFPB have online portals to which consumers can upload documents digitally, as I am thankfully able to do in support of this complaint. Citi too should offer the option of uploading documentation digitally, or at least provide an email address for sending attachments. By requiring me to fax documents, Citi is actively discouraging me from providing documentation in support of my claim, and knowingly delaying its obligation to fulfill its own promotion that it directly sent me. Thank you CFPB for allowing me to upload documents in support of my complaint, and for your help in this matter.

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 2020-06-17
Company: EQUIFAX, 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:
I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX and Equifax at least twice now. They find that XXXX is incorrect and then amend. Then a month or 2 later XXXX bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX  # 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Yesterday, XXXX/XXXX/XXXX. I received via postal mail, a XXXX Cancellation of Debt " Corrected '' form for XX/XX/XXXX, but it was dated for XXXX/XXXX/XXXX from Bayview Loan Servicing , LLC at XXXX. XXXX XXXX, XXXX FL XXXX ( XXXX ). Should they not have included a dated date on the form or at least put the current year they are sending the form out to me? Please advise as I 'm not sure what to do here or if I have to file an ammended tax return now. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
XXXX/XXXX/16 Western Union XXXX XXXX Contacted WU for refund MANY times as this transfer was rejected by the Bank XXXX XXXX. Many times WU said this $ would b back in my account within 48 hours, but it has never been refunded. On the XXXX, they asked for my bank deposit records from XXXX XXXX to present to be sent to XXXXXXXXXXXX so that they could confirm that I have not received the refund. Was told we would b contacted within 48 hours. No contact, no refund. Today, I just resent my bank deposit info and letter to XXXXXXXXXXXX and they sent back that this is registered as case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation