BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am the step-mother of the " so-called '' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. 

I was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase failed to credit my account for 5 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 5 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase mistakenly grouped all items ( including the once they were unsuccessful without noticing that some were indeed successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 5 which Chase did collect must be credit to my account without further delay. - See my letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
Barclay Master Card We held 2 accounts with Barclay ; a credit card and a loan account. A check for payment in full of the personal loan balance was credited in error to our credit card account on XX/XX/XXXX. It took hours of phone time, faxes, letters to finally receive a refund from Barclays credit card in the amount of {$24000.00} which was mailed on XX/XX/XXXX. We then used the refund to pay off the personal loan in full. Initially Barclays credit card only reflected the correct refund, however they now reflect that the refund was made twice ( XX/XX/XXXX and XX/XX/XXXX ) and therefore our balance which is XXXX  reflects {$26000.00} due. They have reported this amount to the credit bureau which has lowered our credit rating due to the new debt and the fact that our limit on this account is {$12000.00} and is showing we are overlimit. 
We have stayed on hold attempting to telephone them for hours to no avail, on XX/XX/XXXX we sent them a secure message on their web site, on XX/XX/XXXX we faxed all paperwork and explanation, on XX/XX/XXXX we emailed their CEO of cards and payments. WE have had no response from any of these attempts. We have attached all documents applicable.

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 2021-07-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper ( mortgage company ) has failed to file a cancellation of security deed/release on my property when i refinanced back in 2017. I am selling my home and when the title company started their process they stated there needed to be a lien ( security deed ) release from Mr. Cooper. The title company, the closing attorneys and myself have contact Mr. Cooper for resolution. They have yet to provide myself, the title company or the County in which i reside the lien ( security deed ) release that i need to have a clear title.

The title company has asked for a copy of the cancellation. i have asked for a lien ( security deed ) release. The closing attorney has asked for a copy of the lien release. They refused all of our request.What i need from Mr. Cooper is a lien release/security deed. I am currently with another mortgage company was supposed to obtain the security deed from them but that never happened. 
My original mortgage was with XXXX at which was sold to Northstar at which was sold to XXXX and then sold to Mr. Cooper. 

If this does not get resolved I will loose out on {$140000.00} and a happier retirement! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have called Nationstar multiple times to request an update to my escrow as my property taxes are {$0.00} for XXXX. As of XX/XX/XXXX, they published a statement requesting an increase to the escrow because of an increase in insurance premiums. I was told it would only take 10 days to complete the update when I called in XXXX. I did not see an update by mid-XXXX so I called again. I called a third time on XX/XX/XXXX and was promised a call back on XX/XX/XXXX to confirm the update had been made. I did not receive a call so I made another call on XX/XX/XXXX. 

As of XX/XX/XXXX, the representative told me the update would take effect in 24-48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I called wells fargo to close my business checking account. The call rep informed me my account would be closed I would receive an email within 72 standard hours. When I asked for an email during the call to confirm my account would be enclosed the rep insisted on 72 hours.

My account still shows as open and I have not received an email confirming my account closure. I have checked all my email spam folders for the email address listed on their file.

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 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One credit card changed my utilization credit reporting date from the XXXX to the XXXX without properly notifying me of this change. I usually pay my balance off by the XXXX of the month so when my utilization is reported on the XXXX it would reflect a XXXX balance. This has been my practice since I had the card these past 4 years. XX/XX/2021, I paid my credit card to a XXXX balance so it would be reported paid on the XXXX. Well. I then charged my card on the XXXX and Capital One reported it to the credit repositories and my score dropped 30 points! I called customer service to fix this problem and they refused. The supervisor kept repeating herself stating that they reported correctly so no changes can be made. I kept telling her that the issue is you reported it on the XXXX instead of the XXXX which caused me this issue but nonetheless. She refused to help me. I am sure they are getting multiple complaints like this from their customers. They claimed they sent me an email advising me of the change but I never received it. Everybody knows that email communication is not always guaranteed to go through. I could have had server issues, etc that day. Bottom line is. I was never advised of such a change to my utilization and for this I want my credit corrected. I worked too hard to restore my credit just for an incompetent company to ruin it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FCRA VIOLATION I HAVE NO KNOWLEDGE OF FRAUDULENT ACCOUNT XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY TRANSUNION  CREDIT RPORT. FTC REPORT # 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 2021-04-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit report and noticed a credit card debt under my account that didn't belong to me. I noticed all three credit reporting agencies. I then contacted the creditor SYNCB / XXXX via certified mail ( XXXX ) and asked for proof that this account belonged to me, I never recieved a response. I contacted them again XXXX and requested validation of debt. As of today, I have not heard form this company and the debt remains on my credit report. I have also, placed a identity theft alert in my name with the Fed Trade Commission. 

This Account was opened in XXXX of XXXX at a residence I lived in over 30 yrs ago Account # XXXX XXXX XXXX XXXX Paypal Credit XXXX XXXX XXXX XXXX FL 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 2022-10-08
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

XXXX. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under sectio

n 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Diverse Funding Associates LLC
State: PA
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:
On XX/XX/2020 a collection letter was sent to me by DNF ASSOCIATES add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, DNF ASSOCIATES LLC has violated my rights as a consumer and I'm requesting legal action to remove this account legally

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 2016-05-20
Company: Acceptance Solutions Group, INC
State: MO
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I set up payment to come directly from my payroll and they still pulled the payment from my checking account also ... this has cause an overdraft of almost {$200.00} ... I called and they stated that they are processing a refund but it will take XXXX business days. meanwhile I have bills hitting that will not be paid put my account into further overdraft. The due date was XXXX XXXX, 2016. They received the payroll payment on XXXX XXXX and then drafted my checking account on XXXX XXXX, 2016. The first rep said it was my fault be HR should have put my name on the direct deposit payment ( Her name is XXXX ) ... The second rep stated that the only way the payment should have been drafted from my checking account is if my payroll deposit did n't come or was late and that since it was n't due until the XXXX, there should never have been a withdrawal from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX sent me to collections on an amount that my insurance was late paying. My insurance did pay. XXXX XXXX XXXX  took that amount and applied it to other billings. Ones it was not for. Now I have a collection agency calling my " Progressive Management ''. on billings my insurance has paid, I have given proof of this,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My family moved to XXXX  from XXXX a few months ago. Our checking account is currently still with Truist Bank in XXXX. We had a home closing scheduled on XX/XX/2022. At XXXX XXXX I called Truist to arrange a wire transfer of funds for my account in XXXX to the XXXX title company that we be conducting the closing. I was advised that I would need to appear in person in XXXX  to request the wire transfer. I explained that I was currently in XXXX and could not appear in person. After numerous conversations and waiting over one hour on hold to speak with the customer service agent ( who was in the XXXX and was not fully trained on XXXX banking policy ) I made attempts to reach the Truist corporate office in XXXXXXXX XXXX. Nowhere is there a contact number for the corporate office. All roads led back to the customer service office in the XXXX with more lengthy waits. Truist should have a procedure in place that allows a customer to provide sufficient identification and be allowed to submit a wire transfer request either online or by telephone. As soon as I am able to receive the funds needed to complete the closing on our new home, all Truist accounts will be closed. This is another example of a big bank not caring about its customers even in an emergency.

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 2016-06-06
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
By phone and in writing I requested a copy of my signed original mortgage information because I do not believe the rate or terms are correct. Both times they replied with information generated from their system, not the information that I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I saw an ad of a person selling a XXXX for XXXX dollars. After getting in contact with the person I was told to send them a total of XXXX dollars via XXXX. And after they received the payment Id receive a message with the shipping details. Since I bank with chase XXXX is something I am comfortable with since I thought theyd step in if something happened. But after the sent the money the seller stopped answering my messages and wont answer my calls. So since it finally clicked that this was a scam I tried to call chase to see if I could get my money back. But to my surprise chase told me that they couldnt do anything since XXXX is a 3rd party company and I should try contacting XXXX. So when I contacted XXXX XXXX was told that I would have to dispute it with my bank. When I recalled the bank I was finally told that chase themselves couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital System is trying to collect {$10000.00} from me and put it on my credit report. I don't owe this company anything, I don't even know who they are. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on income based repayment since XX/XX/XXXX. During this time, I have had multiple services and am currently with Fed Loan. I have submitted my employment certification form to fed loanfor my employer from XX/XX/XXXX to XX/XX/XXXX. This was accepted as a qualifying employer. I have made 81 payments from XX/XX/XXXX to XX/XX/XXXX. This is based on review of my bank statements to make sure payments were made. However, the count on the website for qualifying payments is still 21 ( i.e. 5 years worth of payments is missing ). I asked for a manual count in XX/XX/XXXX. I then reached out to the fed loan ombudsman around XX/XX/XXXX. I have reached out to them multiple other times for status updates and they verify that manual count is still not completed. Once i submit my new employer certification from XX/XX/XXXX to present, I should be at 102 payments ( close to forgiveness which occurs at 120 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report I do not recognize

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 2021-07-30
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I got a replacement card for my XXXX credit card in XX/XX/2021. In XX/XX/2021, Experian reported that my XXXX credit account is closed under settlement, and because of that wrong updation, they dropped my credit score by 113 points. 

I raised a dispute on XX/XX/XXXX and got it resolved on XX/XX/XXXX in my favor, reversing my credit score drop. XXXX confirmed to me that they never reported a settlement. 

Again, on XX/XX/XXXX, Experian reported that the same credit card is closed under settlement and dropped my credit score by 103. I'm trying to contact Experian since then but seems that they will open their doors to receive a complaint only if I take some membership from them. What a pathetic way to upsell their products? 

I tried to raise a dispute online but their website says a dispute for this account can not be filed online. I tried to call the phone number the website asked me to call to file the dispute. 

However, the automated system doesn't connect me to a representative to file a dispute. Whenever I select an option that is not related to membership, the automated system suggests using their website and disconnects the call. 

I contacted XXXX and they said they didn't report a settlement and I have to contact Experian. Seems the only way to contact Experian is by taking a membership. I would have spent more than 10hours trying to resolve this from the start. Now, Experian is using tricks to make me pay for a mistake of their own. 

I'm trying to take a loan for the past 2-3 months, but because of Experian 's mistakes and unwillingness to help, I couldn't take loan ( I don't want to take a loan at exorbitant interest rates )

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