BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-28
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2016 The mortgage company " Di-tech '' financial created an " unapplied balance '' situation to my account without any explanation, consent, knowledge and it did not appear on my statements, end of year accounting. For 3 months they send out " we are working on it '' ... " we take these issues seriously '', etc., etc, ... 
The matter has been attempted to deal with through The State of Michigan Department of Finacial and Insurance just rotting as the servicer " XXXX XXXX '', took the property in XXXX and keeps trying to tell me to contact the " Di-tech '' people. 

The point here is that THIS is exactly why you guys are here to handle. This particular situation involving a large fire claim, by another company, ( XXXX XXXX ), that actions taken against a XXXX " insured '', that the need to overhaul this industry, and people need to go to jail. 

So you can pass the buck and be part of the problem, or reach out .... get someone to meet me, get a case worker, office, subpoenas, DOJ, FBI, ... ..Just Call me Monday and let me .... show you. OR<OR<OR do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently filed a chapter XXXX bankruptcy. The account XXXX XXXX  with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through transunion several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There was fraud/scam on my account through the service Zelle and no help will be given by any of the financial service companies associated with my account. The amount of the fraud was {$850.00}. It was sent there due to a scam about a puppy and the company the transaction was made to was a shell company and did not ever intend to trade any good for the money stolen from me. XXXX  XXXX XXXX and Zelle are of no help in this fraudelent case and have done nothing to resolve this issue or take the scamming business user off of their services. This business is consistent in their ways, as I had my significant other creat an application, to which the whole process was exactly the same, and I assume the process is repeated over and over again to many eager dog wanting consumers out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage subservicing was transferred from Seterus to Mr. Cooper as of XX/XX/19. My original interest rate was 4.785 %, however, Mr. Cooper has been charging me 4.875 %. It's such an obvious input entry by Mr. Cooper. However, my payments have gone up. In addition, they are charging me for an inspection fee due to the change of servicing. In addition to late fees since I have only been paying based on my interest rate of 4.785 %. I need your help in solving this. 

They confirmed the fees would be waived, but they still show on my statements as past due. 

They are charging me a higher interest on my loan! 

Please help. I've heard horror stories about Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. 

Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). 

Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. 

The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. 

We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. 

Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is scamming customers, as I posted on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX : I write today on behalf of a citizen who is being cheated by Wells Fargo in the name of batching. 

Say I had {$100.00} I pay {$80.00} for an XXXX massage ( immediately deducted ) = {$20.00} I pay {$10.00} for a burger ( immediately deducted ) = {$10.00} I pay {$5.00} for a coke, and some candy ( immediately deducted ) = {$5.00} Now, an ATM will spit out more money than a person has if that option is elected. So, I take out {$200.00} from an ATM. 

= $ XXXX ( immediately deducted ) There is a {$35.00} penalty for going over one 's limit. 

= $ XXXX ( deducted next day ) That's not what the crooks at WF do. What they do is process the ATM charge first even though I already had the massage, ate a burger and bought the coke. Instead of $ XXXX here 's the number ( s ) they calculate. 

{$100.00} - {$200.00} ( over the limit, {$35.00} charge ) = - {$100.00} or {$130.00} next day Since they view my account as negative the other 3 charges will all trigger more charges. There is a '3 charges per day ' max. Instead of - {$230.00} which is what my account should be ... they will tell me that my account is - {$300.00} USD. 

The guy at the bank who helped me today was a trooper, and I have no problem with his approach. 

In the past, women have called me a liar to my face ... and let 's not forget sometimes they will lump in the previous day 's activity even though all the subtractions have been made. This means that I can be charged even more! Maybe people who steal money don't bother you, sir. 

I am calling for real time data conversion. A person should have a number, and when a legal authority removes money do it correctly, one time, right then and there. I understand that airlines often remove money, replace it, then remove it again later. I would ask that Wells Fargo returns money to the accounts of all members of whom they have stolen money. If I walked into Wells Fargo and stole {$70.00} I would be in jail right now, yet they are allowed to do it to me. 

There is one caveat which is that if a person goes negative, they have the right to take their money first. That argument falls flat because they have authorized and paid to others money that was there. If that's the case, they would be stealing from a vendor instead of me ... still, stealing ...

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
FRCA Violation credit line XXXX XXXX XXXXXXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX 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 2020-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi bank closed my credit card without asking me on XX/XX/2020. 

And I haven't gotten any message from them until I submit a complaint on CFPB before, the previous 's case id number is XXXX. 

One of their agents called me, and we have discussed the situation, she was pretty sure even though my account got closed by the bank, and even if reopening is failed, they will still redeem my points for my statement credit. 

But until I called them on XX/XX/2020. Their supervisor from Citi ThankYou Points Center told me, I lost all of my points, but this is really ridiculous.

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 2019-12-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
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 overpaid when paying off my Home Equity Line of Credit. Regions Bank held my money for 2.5 months and when I paid my personal line of credit payment they applied that payment to my Home Equity line that had negative balance and then they report me as past due on my personal line of credit and then send me back a check for {$770.00} for overpayment. They admitted that it was their fault but no one will fix it I have spent 1.5 hours in the branch and they told me that they fixed it and it has reduced my credit score from XXXX to XXXX. The told me since the branch didnt fix it that they will not accept my dispute and will show that it is past due. No one from Regions Bank will fix it. If they were fined about {$100000.00} or more maybe they would do their job. Do I need to hire an attorney to sue them or can you fine or penalize them for their unethical and illegal activities.

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 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/19 I noticed that I had an email from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX ) telling me that I was scheduled to see cars at a car dealership in XXXX on XX/XX/19 using an old address of mine. I do not currently live in XXXX, GA nor have I lived there for the last 3 years so I was suspicious that this was fraudulent behavior. I replied to the car dealership immediately informing them that I had not requested any information from them and that no credit inquiries should be processed. On XX/XX/19 I noticed at least one fraudulent credit inquiry on my credit report. I proceeded to place a fraud alert with XXXX, Transunion and XXXX on XX/XX/19. Later when I was able to access a computer I submitted a formal identity theft report to Transunion disputing the credit inquiry that came from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am submitting this as a formal complaint against XXXX, as well as against XXXX XXXX and Transunion for improperly verifying my identity when the fraudulent report was requested.

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 2017-08-23
Company: BARCLAYS BANK DELAWARE
State: NY
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 balance transfer

Complaint:
XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end. 
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details. 

XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card. 

XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end. 
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX. 

I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back. 

Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account. 

After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.

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 2017-04-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient ( formerly XXXX ) has been harassing me DAILY, calling my work/office phone numbers ( in-office and work mobile ), as well as sending me faxes at work and calling my personal mobile phone number throughout the day. They are jeopardizing my job with this incessant harassment. I have sent them a cease and desist letter, as well, and I have copies of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020 I was laid off from work due to COVID. I wasn't able to make a payment for 1 month due to problems with unemployment and trying to get another job. Once arrangements were made on my end I was able to make payments and be on time again. I asked them via phone and talked to a rep to have a payment deferment and was granted it. I've never been late anytime prior to this or even after. It was a unforseen worldwide disaster and have had good payment history prior to and post to the event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: Experian Information Solutions 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:
Experian is in violation of the FCRA for continuing to report fraudulent accounts on my credit profile. I have disputed these accounts to no avail and Experian is now refusing to investigate. 
Experian 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 non-monetary relief
Consumer complaint received 2019-12-28
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: IL
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:
Iv been Trying to fix my Credit report for XXXX  years with little to no results. According to the 15 U.S.C 1681 Law there should be no damages on my report, its a defamation to my Character. On XX/XX/XXXX threw XX/XX/XXXX. I opened a dispute on XXXX Report number XXXX and nothing was done. The results were done on XX/XX/XXXX. I'm also a victim of identity theft according to XXXX 0n XX/XX/XXXX. They offered no Remedy for that reporting. I'm also a victim of XXXX Data breach and was offered no Remedy. I'm trying to get a simple loan and continuously get denied. Out of all disputes not once was I giving proof of me doing business or signing a contract with these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I had fallen for a scam from someone claiming to work with my job and threatened if I didnt deposit the checks they would report me. I had recently had to resign from the job due to health issues. And they claimed I had a check waiting for me for the amount of money they owed me. I gave them my log in and turns out the checks are fictious. They demanded I have the money sent to them and then sent back to verify the funds were ready and there. They closed my account with Bank Of America and took my remaining money before the holidays. With nothing left. I would like to have the insufficient funds waived off or a payment plan. I can open a new bank account with a different branch and pay off the debt over time. I do not want this to prevent any other issues in the future for me. This was an honest mistake and a claim was filed but I was told I would get my money back right away and the charges would be removed when I realized what happened the same morning.

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 2022-05-03
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Mountain Run Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is currently reporting on my XXXX consumer credit report and is disputed by the consumer, as follows. 

1 ) Debt validation has not been provided by the reporting debt collector 2 ) The debt collector has no contract with the consumer for the amount owed 3 ) The consumer does not acknowledge a debt owed to this debt collector 4 ) The debt collector has been notified by USPS mail of the nature of this dispute, per attached

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation