BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. XX/XX/2021, received notice from XXXX XXXX, SD XXXX name of sender was not included ) telling me that my APR on a closed account ( closed in XXXX ) may increase and require me to pay more monthly. 

2. XX/XX/2021, called number listed on notice and spoke to XXXX from Citibank. Asked why is APR increasing on a closed account which I pay on time every month? Answer : The federal gov't controls the prime ; Don't see anything about an APR increase ; No you can not dispute the change ; and Contact consumerfinance.gov for more info. 

3. My complaint : Who protects my rights in this matter? Where is my Notice to Dispute? Can the company legally increase my APR on an account that is closed but being timely paid monthly? 

Thankyou.

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 2022-10-06
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have applied and been approved through XXXX XXXX for XXXX under XXXX. The agency approved my relief on XX/XX/22 and sent an " I '' file to Mr. Cooper at that time. Mr. Cooper has not processed claiming that it may take 2-3 months to process! During such time they are accruing interest at a rate of {$1000.00} monthly that will be charged to the XXXX XXXX. In my opinion this is stealing from the federal government. 
I have been on the phone with many, many reps from XXXX XXXXMr. Cooper over the past months. I get nothing but the runaround, unable to speak to the XXXX XXXX or any individual in a supervisory position. 
I understand that this company has over 2,500 complaints against them and quit obviously should be fined heavily or lose their license to do business. 
My wife and I are retired. This has created a tremendous amount of stress on us both. XXXX was very difficult for us losing our jobs for 2+ years. Most recently I had XXXX and was nearly hospitalized. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
Could not log in to my credit card account on XX/XX/XXXX. 
Called credt card company and they informed me that because of two many log in attempts, a permanent hold has been placed on my account. I told them it was probably me since I was trying to remember my password when logging in. They said there was fraudlent activity with too many log in attempts and would not provide any details. I asked them if they would be sending me a letter explaining the details and they said they were in the process of doing so. I never received any notifications in the mail. 

I called them back on XX/XX/XXXX and they told me the same thing. I asked them how am I suppose to make payments on my balance outstanding without being able to log into my account. I had previously set up Auto Pay but I am not sure if it will work now. They said you will need to use other third party payment methods. 
This account was openned/activated in XX/XX/XXXX. I have a balance on the account of approximately {$5500.00} but can not confirm since my account is not accessible. I can not make payments from my checking account because of what they told me. 

The information presented to me seems unreasonable and I do not want to be late on my payments. My next payment due date is on XX/XX/XXXX and I had autopay set up but can not verify if it will work now. I also can not monitor my balance since they will not allow me to access my account. I elected to receive electronic statements and can not access them since my account is locked.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.

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 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to link my PNC account to my XXXX XXXX account, but PNC blocks this transaction. Same thing happened when trying to link the PNC account to XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: VA
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 did not contact XXXX because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my XXXX XXXX as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my XXXX score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!

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 2017-06-08
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon careful review of my credit reports I found a collection agency listed attempting to collect a debt on behalf of  XXXX . I have never had a  XXXX  account nor did I ever apply for a  XXXX  account. I have tried to make several calls to this agency but have not made any contact as there was a constant ring on the other line. This collection agency never made any contact with me via in writing or by phone so I was never aware that my name and social was used to open an account with  XXXX . This collection agency has not mailed any written communication for me to dispute this account.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Aspen Properties Group, LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Aspen Properties Group LLC offered me a loan modification on XX/XX/2022. Aspen failed to send me the loan modification documents via certified mail as is required by law. Aspen then went on to conduct a foreclosure sale of my home on XX/XX/2022. Aspen is required to send the loan modification documents via certified mail and allow me 30 days to review the proposal. I never received the loan modification documentation from Aspen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit reports I noticed that it was an account from XXXX XXXX XXXX reporting negative on my report. I reached out to Bull City Financial Solutions , IncXXXX along with their CEO XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 

My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 

The location communications were sent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with TransUnion as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 15 total. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2017-06-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I currently have a mortgage with  Wells Fargo, NA. In   XXXX ,   XXXX   our home underwent a fire and was severally damaged. Our homeowner insurance paid out in  XXXX  of   XXXX  . We forwarded the payment to  Wells Fargo Property Loss  Department. During this time we were temporarily relocated to an apartment unit. We communicated with  Wells Fargo  throughout this process to give them updates on the restoration on the property and request for funds to repair our home.  Wells Fargo  released the funds in small amounts making it difficult to purchase materials in bulk and completion in a timely manner.   As we approached the  XXXX  month timeline of being out of our home and awaiting release of funds to complete our restoration process, we informed the property loss department that we were running out of Additional Living Expense funds and that the insurance company would no longer be paying our expenses. We urged them to send the remaining funds so that our home could be completed and we could move back into our home before the deadline we were given by the insurance company. We were basically told by one Representative that they were not releasing the money because we would spend it and not make repairs. I found this to be appalling since they had inspectors to come to our home to view the progression of repairs that we had made to our home.   To date, we are no longer in our apartment and have had to move out. We are currently renting an additional home and paying for this out of pocket. We are still paying our Mortgage along with utilities at our home, along with the same expenses at our temporary place. We are paying double bills due to  Wells Fargo  's delay in payment. This is not fair and has caused us unwarranted expenses. We have been devastated by the events that have occurred in our life with my husband almost losing his life due to the fire. It has been an emotional roller coaster,  one  that could have been avoided.     We are seeking your assistance in having this matter resolved. Thank you so much.

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 2017-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. My mother is in the beginning stages of XXXX and is XXXX XXXX. I get financial help by State of CA, IHSS. Because she has recently lost the ability to eat or drink, I now have to XXXX to XXXX her thru a " XXXX XXXX '' that goes directly to her XXXX since XXXX XXXX XXXX. This is much more time consuming as well as expensive and the state employees informed they would increase my hours. However, this took many months and so they paid me retroactively for the previous time. The money was split into four different checks ; each about {$950.00}. In an effort to expedite payment to me, the state rep told me they would pay my mother XXXX XXXX directly for the retroactive amount, then continue to pay me directly with increased hours, even though this money is actually legally money I earned from the State of CA, IHSS.
<P/>
2. I deposited these checks into my Chase Bank account on Friday, XX/XX/XXXX expecting the checks to clear on Tuesday, XX/XX/XXXX. However, because the checks were in her name, Chase did not release the funds.
<P/>
3. I went to my local Chase Bank branch on Tuesday, XX/XX/XXXXand explained the above to the branch manager XXXX XXXX. He called the appropriate Chase reps and explained the above.
<P/>
4. The reps told XXXX that if I bring my mother in with two forms of ID, they would release the funds.
<P/>
5. I then went to pick up my mother, XXXX XXXX and came back to the bank with her, in a XXXX XXXX, and the appropriate ID ; a CA state issued Drivers License and SS card as well as credit cards in her name.
<P/>
6. The rep, XXXX, then informed the reps telephonically that he had verified her ID. He then informed her what was happening and asked her permission. She shook her head yes. The reps then indicated they would release the funds.
<P/>
7. On Wednesday,XX/XX/XXXX, after the funds were legally released into my account, Chase Bank branch manager XXXX XXXX took it upon himself to transfer the remaining balance from my account back to my mother 's account with no permission from myself or my spouse XXXX XXXX, who shares my account. My mother 's account was overdrawn by approximately {$260.00}. By transferring the money without my permission, I paid the overdraft fees which we were planning to pay later with different funds.
<P/>
8. Chase Bank branch manager XXXX XXXX had no legal right to transfer any funds from our personal accounts. If Chase Bank does not do anything about this, I will seek legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house just came out of forbearance the first of XX/XX/2022. My mortgage company is Freedom Mortgage. The plan was to put the delinquent amount on the back end of my loan. The company sent me the paperwork, however there is a clause in the agreement that states I will lose my homestead tax exemption. I tried talking with several people in the company. The answer that I got was " oh its always been there, we can not change the verbiage and .... we've never heard of anyone losing their exemption. It's safe to sign. 
In my experience a legal document can be executed regardless of any of the reasons they gave me. I want to know what's going on with this company. 

concerned homeowner, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: LJ Ross Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have medical collection accounts that have been turned over to LJ Ross Associates in XX/XX/XXXX. I sent then a certified letter onXX/XX/XXXX to stop all communication with me and that I dispute this debt. 

LJ Ross has since reported the collections to XX/XX/XXXX on XX/XX/XXXX in the amount of {$1300.00}. 

1- they reported seven different amounts instead of one total amount equaling {$1300.00} 2- they Illegally re-aged the collection by continuing to flag my account every week since XX/XX/XXXX. They have flagged my account on XX/XX/XXXX and XXXX XXXX. 

This is effecting my credit score and credit worthiness. 
How do I stop them from continuing to flag my collection account?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, I am filing a complaint against XXXX for the customer service I received and the reporting of missed payments to my credit profile. There was a late payment reported to my credit profile for the XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent emails, letters and promises to remove via phone calls on multiple occasions without a response from this company or them actually doing it. I have suffered a tramatic loss and have explained that to them just for them to leave me unanswered. I truly enjoy shopping with XXXX but I am sick at their customer service and their lack of empathy in the matter. this is causing me a great deal of stress and XXXX and XXXX has shown that they do not care or listen to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Bread Financial Holdings, Inc.
State: WY
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:
Comenity Bank/ XXXX XXXX is reporting an erroneous late to my credit file. This late is for XX/XX/21. I never received a call, letter, or notice that i was delinquent because i made this payment on time. I wasn't even aware of the late notation until i had my credit pulled. I have had this account open for a very long time and have not been late in the past 3 years. I am asking that you remove this late from my credit file, i was not late.

Company response to consumer: Closed with explanation