BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have sent number of letters to Target card Services Disputing the account under my name. i asked them to verify the debt by providing me the account opening documents and asked that my credit reporting should be indicating the dispute status from the 30 day period of received mailer. i have only received irrelevant mailers and nothing verifies this is my account according to the fait debt collection practices act including but not limited to section 807-8 and i indicated that the notices that i have send are of same effect as a dispute to the validity of the alleged debt and the a dispute to the validity of their claim purposes of 15 USC 1692 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX # XXXX, HUNTER WARFIELD INC # XXXX. They are in violation of FDCPA 805/806/809.

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 2021-03-28
Company: Absolute Home Mortgage Corporation
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:
recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
MrCopper mortgage company LOAN NUMBER XXXX Borrower : XXXX XXXX We like to file a complaint to Mrcooper on their business conduction. 
1. ) We are still waiting for the overage, with 3 attempts to them and no responses. 
2. ) We applied for bi-monthly payment and noticed the extra payment is sitting in Unapplied Funds. 
3. ) Previous 2 years, they never disclosed the new adjustable interest rates as noted in the original document 45 days in advance. 
4. ) All emails to them were NOT responded. 

Enclosed is the screen shots on my last 4 transactions on payments. 

Thanks This is not your payoff amount. 
Unapplied Funds XX/XX/2021 {$1800.00} {$0.00} {$0.00} {$0.00} {$1800.00} {$0.00} Principal Payoff XX/XX/2021 {$240000.00} {$240000.00} {$0.00} {$0.00} {$0.00} {$0.00} Monthly Payment XX/XX/2021 {$1200.00} {$750.00} {$520.00} {$0.00} {$0.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00} Unapplied Funds XX/XX/2021 {$640.00} {$0.00} {$0.00} {$0.00} {$640.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The entire refinance process was a nightmare. After selecting XXXX Bank because the company is local, found out AFTER closing through an email that I would be serviced by Homepoint, located in XXXX. Never heard of the company throughout the refinance process. Homepoint email directed me to : " Register or login now at XXXX to view your loan information, schedule mortgage payments, access escrow details, view statements, and more. '' I do not want to expose personal data with a company I never heard of. Just want a monthly statement and payment form sent to me so I can pay by mail. I'm considering selling my house to get away from this unknown mortgage company. I know is legal to sell mortgages, but XXXX should have disclosed that they intended to sell it and to whom. Early in the process I had spoken to XXXX XXXX Residential Loan XXXX and XXXX XXXX XXXX XXXX of Residential Lending, XXXX, both with XXXX Bank. Clearly stated to both of them that I was considering XXXX because it was local. They did not inform me and neither did XXXX XXXX, XXXX Attorney who handled the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A few months ago I got overcharged with overdraft fees. I called my bank and they fixed the problem but told me that it was a one time deal. That I would have to manage my money better. I took they advice and set up alerts. I am to get alerts when my account reaches {$100.00} and another when it reaches {$50.00}, this way I won't get hit with overdraft fees. For a bit it was working but then my bank stopped sending me text alerts and stopped emailing me. When I tried to discover the problem they said that I needed to " update my contact info ''. I did that seven times and even went to the bank and called them. I thought it was resolved. Then I started noticing that my statements were coming in later. I thought it was fine since I was keeping track with my spending thanks to the app. However, on the XXXX, my bank tells me that I am over {$500.00} in debt! I was just buying groceries. They didn't post any of my transactions making it seem like I had more than I did and then they charged me overdraft fees. I went to pay for a cab and then my card was denied. I checked my account and saw what they did. I thought that they put a hold on my account since some payments didn't go threw. I knew that I was getting paid in a couple of days so I didn't sweat it but even that was a lie. They blocked some transactions but let others go threw while I wasn't monitoring it so they could charge me more overdraft fees. They charged me 11 times for overdraft fees for purchases I made a week ago that are just now coming up. All together it accounts to {$380.00} dollars. The bank is Wells Fargo.

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 2022-02-21
Company: AmeriCash Holding LLC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I went in store to Sail Loans to apply for an installment loan on XX/XX/2020 I was offered an XXXX dollar loan.. I was told I would walk out with XXXX and the remaining XXXX I would be able to take from after 90 days. That didnt happen when my 90 days were up. I called to see if I could come in to pull from the XXXX dollars I was told by store manager that I wasnt able to she didnt say any of those things to me! I then respond why would I agree to taking out a loan that I wouldnt be able to have access to doesnt make sense!! I was lied to mislead false advertising and I was taken Advantage of I have XXXX just sitting in my account that I didnt receive but Im paying on it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Western Management Consultants
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
So I got a phone call this morning XX/XX/2022 it was a western Management consultant telling me that I owed money to XXXX XXXX XXXX XXXX and I gave them my bank info later I called XXXX XXXX XXXX they said I didnt owe them any money so I called my bank and stoped payment on it and was told to file a complaint they said if I pay {$120.00} that they would stop the collection process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Upon opening the credit card through Amazon Prime and Chase Bank, they said that no payments were due for 6 months. A late payment then showed up on my credit report before the six months had run out. They refused to contact the credit reporting companies to have it removed. This happened about 1.5 years ago.

Since then, I have only used the card a single time because of the negative experience, for a purchase of {$10.00}. I paid the amount after my first bill. I have now received two subsequent bills for this amount. When I call into the company, it claims I have a XXXX balance. Chase will not confirm my XXXX balance via email. They will not give me the last name of any employee that has confirmed my XXXX balance. I continue to receive bills in the mail. This continues to go around - I get a bill for XXXX, I call in, they confirm I have a XXXX balance, and then I get another bill, this time for XXXX ( with interest ), call in, confirmed XXXX balance. The amount on the paper bill I receive now claims I am 60 day delinquent. But when I speak to them on the phone, they claim I have a XXXX balance. Because of the first issue, my credit score dropped from XXXX to below 700. I am afraid they will screw up my credit again. They won't confirm my XXXX balance via email, but keep sending me bills. 

I am going to scream!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
i disputed inaccurate items on my report and it has been well ove 30 days with no acknowledgement or results this now means these items are inaccurate and unverifiable and need to be deleed right away

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
i disputed inaccurate items on my report and it has been well ove 30 days with no acknowledgement or results this now means these items are inaccurate and unverifiable and need to be deleed right away

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 2022-02-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express has a " Reward Dollars '' program which in the past has been paid to me, the cardholder, by check. I called their " Customer Care '' line last week, and I was told that I could get a check after my auto-pay payment came through on Friday. Unfortunately, I did not take the representative 's name because I THOUGHT American Express was an honest company. Today, ( Monday, XX/XX/2022 ), I called their Customer Care line and spoke to a representative named XXXX. He told me that American Express never issued checks for Reward Dollars, although I have received checks from them in the past, and I was told that I could get a check if I called today. I asked to speak to a supervisor. I was connected, after being on hold for several minutes, to a man named XXXX, who said he was a supervisor. ( Although, I found it strange that It took him several minutes to find for me the corporate address, and he did not know what agency regulated the credit card industry. ) XXXX told me that the only way I could get the dollars that are supposedly mine was to apply them to my account. He said that the representative that I spoke to last week gave me incorrect incorrect information. To my way of thinking that previous agent was lying or incompetent. XXXX told me that, if I closed my account because of their policy, my dollars ( almost {$700.00} ) would be forfeited. If this is my earned rewards, how can they just take it? 
I believe, and I told XXXX, that their Reward Dollars program is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: WA
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 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: KY
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:
Hello, I am XXXX XXXX. I am making a complaint to Experian in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results dated XX/XX/XXXX, XXXX # XXXX. 

I am disgruntled with Experian 's professionalism as you spelled my name wrong, you stated you are not reporting XXXXXXXX XXXX on my credit report, however, you sent me a credit report that still lists XXXX XXXX. 

Again, this violates my rights and is against FCRA and FCDPA. 

Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 

Also, I am unable to get ahold of customer service! No one that is a live agent is available! 

I demand Experian to update my credit report immediately and send proof of so via mail. 

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 2017-07-19
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At present Navient shows that I have ( 2 ) closed loans, dated XX/XX/XXXX, that are in a " Derogatory '' status, which is directly affecting my credit score and ability to secure loans, rent a house, etc..and has been for 15 years. The ( 2 ) loans affiliated with Navient were transfered/sold to XXXX in XX/XX/XXXX, and have been, and are in " good '' standing. The reference to the ( 2 ) Navient loans in XXXX, XXXX and XXXX are over " 15 '' years old and incorrectly showing a " Derogatory '' status. I have requested Navient to update and/or remove this information all together, in writting as requested on numerous occasions. Providing all the neccesary references and IDs. I have even sent ( 2 ) sets of certified letters to Navient asking the same, and have received no responses. Navient is affecting every aspect of my life by misleading credit lendors that I have a derogetory loan with them, when I do not. This has affected 15 years of my life, and needs to be updated now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: LENDER LIVE
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Accelerated Servicing Group LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past week I have been receiving calls from ASG, who claim to be a debt collection agency, trying to collect a debt from someone other than myself. I have repeatedly told them they have been calling/texting the wrong number and asked them to take me off their calling list. However, they continue to call/text multiple times a day.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I was supposed to get a direct deposit of XXXX. I woke up to get money from the ATM with success. Afterwards I tried to pay my phone bill and it said my bank was declining my purchase. I called to find out why and it said my balance was XXXX. I was confused because I just received my Deposit that morning. I spoke with several key bank employees who told me that their was a XXXX XXXX transaction that I didnt make. They also informed me that whoever got my card information was trying to withdraw money since XX/XX/XXXX but with no success because I didnt have money. I contacted them about a provisional credit and they refuse. I literally dont have XXXX XXXX! I never gave me card info out! Idk how someone got my card information! I couldnt pay my phone bill that week or buy my kids food! I literally only get XXXX a week and someone Took it XXXX if it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Over years I have requested that they and my XXXX address. 
I complied with their document requirements to the fullest. 
Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation