BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/XXXX, I purchased my new home from the builder XXXX for {$300.00} and after it. I got in bad loan negative amortization when I did refinance with countrywide I have on that time {$50.00} equity so loan officer closed it and put me in negative amortization loan and never seen my equity and he start hiding from me. I tried to fix it to get back to normal loan because my house had equity at that time but countrywide doesn't wont to do it. After a period of time when I tried to bring my loan to a normal fix rate, the countrywide loan officer didn't answer and was hiding him to meet me. Next year we have a hard time with my wife because she had XXXX and lost her job and i couldn't afford to pay a mortgage because I worked not full time on my work. I tried to call countrywide to fix that problem but they didn't do anything to help us so we have delinquency at that time. I was calling to bank fighting to save our home to make an affordable home loan payment but countrywide no answer on this issue. Throughout this time when the housing market crash was happening, I did not leave my home, I wanted to save my house and was trying to do a home modification with that company but they were not responsive and did not want to help. After the bank of America purchased all of the countrywide  home loans, I started to work with the bank of America to work on home modification and I wanted them to work with me on my loan and help with my negative amortization loan. The delinquency on my loan grew, so in XX/XX/XXXX finally, the bank of America offered me a home modification, but in the modification program they did not offer me a reduction of my principal balance which actually made the situation worse and made the loan that much more unaffordable with {$390.00} of the principal balance. They took all of the countrywide 's mistakes and pinned them back into our loan. I am asking for assistance for helping me keep this home and help work with the Bank of America to reduce my principal balance and give us a fixed rate for this home loan. I already paid back a lot of money to loan bring back {$340.00} but still can not bring to the actual current loan balance. So I ask to help to do Bank of America reduction of the principal balance of my loan to make me affordable payment and make my loan to with fix rate of 30 years loan to keep my house which I actually keep in good condition and I feel as I living not at my home but worse than renting home.

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 2023-07-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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 hope this letter finds you well. I am writing to bring to your attention a significant error in my credit report that requires immediate attention and resolution. Upon reviewing my credit report, I have discovered a collection account listed under the name of Fair Collections & Out, with the original creditor being XXXX XXXX XXXX, in the amount of {$21000.00}. I must assert that I am not responsible for this debt. I would like to emphasize that this collection account is a direct result of identity theft, as duly documented in the attached police report. This incident has caused substantial distress and inconvenience in my financial affairs. As per my previous communication with your company, this serves as my second notice regarding the matter. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained in credit reports. As a responsible consumer, I am fully aware of my rights and responsibilities in ensuring the accuracy and integrity of my credit history. In light of the aforementioned information, I kindly request that XXXX undertakes the following actions promptly : 1. Conduct a thorough investigation into the validity of the aforementioned collection account, considering the documented evidence of identity theft enclosed with this letter. 2. Temporarily remove the disputed collection account from my credit report during the investigation period, in compliance with the FCRA guidelines. 3. Provide me with written updates on the progress and outcome of the investigation within the legally mandated time frame of 30 days. 4. Correct any inaccuracies found on my credit report resulting from this erroneous collection account, once the investigation concludes in my favor. I firmly believe that the FCRA requires XXXX to act diligently in investigating and resolving this dispute. I trust that your organization will handle this matter with the utmost professionalism and adhere to the regulations set forth by the FCRA. Please acknowledge the receipt of this letter within 15 days of its delivery. I appreciate your prompt attention to this issue and look forward to a swift resolution. Should you require any further documentation or information, please do not hesitate to contact me at the provided contact details. Ive attached the identity theft police report for your documentation purpose. Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XX/XX/2023, Wells Fargo bank allowed an unauthorized charge of {$690.00} to be taken from my checking account. They have left me overdrawn by - {$350.00}. The charge was unauthorized and reported immediately. They have not issued a provisional credit and they are telling me to wait 10 business days for their investigation to complete. They should not have allowed this charge to go through as every other charge on my account now is going to face a fee and will be declined. They have declined smaller charges on my account for insufficient funds but yet they allowed an unauthorized charge when I did not have the funds. I was denied a request to speak with a supervisor in the fraud department to address this issue regarding why they allowed this charge to go through.

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 2020-02-22
Company: EQUIFAX, INC.
State: NY
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 am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the Equifax data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-27
Company: Lendmark Financial Services
State: NC
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Tuesday XX/XX/XXXX I logged into my online banking account, via the Chase Mobile App, and I was looking at someone else 's information. Everything from account number, to address, personal information, and account balances.

I escalated the problem to Chase and they blocked my online account access. I have been waiting for a follow up for more than 48hrs and still nothing. 
I called today on XX/XX/XXXX and after 1 hour of constant ping pong no one is able to tell me where my Online Banking account of 10yrs went. If my personal information was also made available to another person. This is a breach of personal information and the lack of communication in this matter is ridiculous. 
My concern is that my personal information can be used by someone else and what assurance does Chase have that I dont have or will use the other customers information that I had access too. 
The solution now is to create a new Online Banking profile. Sure, not a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

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 2023-03-09
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:
Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX, on behalf of LakeView Loan Servicing, paid out {$1700.00} to City of XXXX XXXX for our condos Q4 XX/XX/XXXX taxes. XXXX did not have the correct block/lot/qualifier information so that amount was not paid to correct tax account and did not get applied to our condos tax bill. We immediately contacted them about this error, and in the past fifteen months we have called and emailed the XXXX customer support team multiple times but the issue keeps getting closed in their system with no contact and no resolution. 

When the XX/XX/XXXX tax payment was reported to us by XXXX we called the XXXX   support number to report the mistake as well as to inform them that, as per the mortgage documents, the XX/XX/XXXX taxes were to be paid out of closing costs so the full amount needed to be refunded to our escrow account. We were advised to email their support team with the details so they could correct the block/lot/qualifier information in their system and request the refund. We emailed those details on XX/XX/XXXX and did not hear back. 

We called and emailed a few times in XXXX and early XXXX to ask about status and ensure the tax account information was updated before the XX/XX/XXXX Q1 payment. We were told the case was open and would be resolved before that next tax payment. XX/XX/XXXX Quarter One taxes in the amount of {$1800.00} were paid on XX/XX/XXXX, and were again paid to the wrong tax account. After a couple more phone calls the tax qualifier information was updated in the myLoanCare system, and a refund was requested on XX/XX/XXXX. This was not communicated to us by myLoanCare, we had to contact the City of XXXX XXXX Tax office to find that out. 

In XX/XX/XXXX XXXX XXXX refunded {$1800.00} ( the amount of the XX/XX/XXXX Q1 payment ), but denied the Q4XX/XX/XXXX refund. XXXX 's support team closed the case as a refund was made, but we were not informed until we called back to ask status. We informed them at that time that there was another payment that needed to be refunded and had the case reopened. 

Since then we have contacted XXXX support team over thirty times and are constantly informed that the case has been closed since they received a refund. We have reopened the case each time and are informed the tax department will look into it, only to find the case is again closed with no contact. On multiple calls we have requested they provide us any documentation available about the tax payments and their correspondence with XXXX XXXX requesting a refund so we could ask our real estate lawyer to assist providing proof of overpayment to XXXX XXXX, but it has never been sent to us.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  # XXXX, XXXX XXXX  XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 2019-10-14
Company: Action Collection Service
State: NV
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 zero 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 displaying on my account. My demand to present this 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan was modified by PHH on XX/XX/XXXX( see attached ). After the loan was permanently modified, PHH canceled the modification and proceeded with foreclosure action. PHH cited on XX/XX/XXXX( see attached ) that there were issues with the title that prevented acceptance into the program. Since my loan is secured by FHA, there is a right to clear title issues prior to closing on an y modification deals. PHH never allowed me to clear up the title issues, which stem from HOA dues. Moreover, the law firm representing the HOA, set up a payment plan on the outstanding balance due ( see attached ). This payment plan is an actual agreed order entered into court, which negates the right for the HOA to proceed with any foreclosure activity. The agreed order was never submitted to FHA for underwriting consideration. PHH is clearly motivated to foreclose in order to collect excess fees by billing FHA for foreclosure costs. PHH is in violation of general CFPB law, based on the lack of transparency during the modification process. They are also in violation of FHA 24 CFR Section 203.604, for failure to meet face to resolve delinquency issues. FHA requires all mortgagees to have a face-to-face meeting with the borrower, or make a reasonable effort to do so, before the borrower is seriously delinquent or foreclosure activity commences. PHH has set a foreclosure sale date of XXXX, so I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation