BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My mortgage was transfers to Select Portfolio Servicing in XX/XX/2019 from Mr. XXXX. When my account was served by Mr. XXXX I was the successor in interest and had all rights to this account. Now my account is under SPS, they will not recognize me as successor in interest and are denying my rights. I have been fighting with them since 2019. I sent them the deed to the house which is in my name, copies on my mothers will, and letters from the state naming me executrix of the estate which they rejected. They are demanding I pay the inheritance tax before they can name me as Successor in interest and reinstate all my rights to this account. 

According to CFPB regulations say they have to accept certain proof and treat me accordingly. 

Successor in interest means a person to whom an ownership interest in a property securing a mortgage loan subject to this subpart is transferred from a borrower, provided that the transfer is : ( 1 ) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety ; ( 2 ) A transfer to a relative resulting from the death of a borrower ; ( 3 ) A transfer where the spouse or children of the borrower become an owner of the property ; ( 4 ) A transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property ; or ( 5 ) A transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property. 

Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to this subpart

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2019-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tuesday, XX/XX/XXXX, I was unable to logon to my USAA account via the mobile app. I then tried from a desktop and received the following message. 
Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. 
I called the number and was told they were unable to restrict my account and I needed to speak to someone in regards to my account. I suspected it may have been because I installed the mobile device on my new phone and perhaps USAA wanted to confirm it was intentional and not fraudulent. I spoke to someone regarding my checking and stated that USAA chose to close my accounts and I should be receiving a letter and a refund check that was set to mail on XX/XX/XXXX. When asked what specific reason USAA had for closing my account I was told again USAA chose to close my account. 
Today is XX/XX/XXXX and I should have received the letter and check. I live in XXXX XXXX where the bank is housed. I called and spoke to XXXX and was told I can get access to the letter via USAA.com.  I informed her my access was not granted. She said they will mail out another letter to me and my funds will then be sent to me in thirty ( 30 ) days. I asked why this is now different from the information I was given on Tuesday. Additionally, I was not notified of the closing and I have been going without access to my funds. I have no money for gas or groceries until my next pay day.Again, I asked why my account was closed and she, like the other rep, stated USAA chose to close my account. I was also informed it takes 30 days to review all my LOBs with USAA, which is only checking and savings, before a refund will be issued to me. Also, after checking with her back office she said a letter from them typically takes 7-10 days to be received once mailed. I informed her we are in the same city and only a zip code away. The letter should take two days tops to be received from mailing date. 
My main concern is that I can not be told the reason for the account closure. Additionally, it has left me without money for gas to go to work. Today I have opened an account elsewhere but will not have access to any funds until my next pay day on XX/XX/XXXX when my payroll hits. 
I have worked for over 20 years at financial institutions, including USAA FSB, and I have never experienced this level of service. People who have had excessive overdrafts, bankruptcies and even in the repossession process are allowed to withdrawal funds to survive and prior to closing their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

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 2023-10-20
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter saying I had been sent to collections for a debt in the amount of {$130.00} that I had paid. The debt was paid on or before XX/XX/XXXX to the billing company directly. This payment was priory to the due date of XX/XX/XXXX. I have email receipt confirmation of the full payment. This debt was sent to collections after being paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns at 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 2023-02-01
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. Experian is reporting last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. They are both reporting two different last payment dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.

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 2021-07-07
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have filed two prior complaints today regarding M & T Bank. The first was a general complaint and the second was regarding the offensive manner in which M & T Bank communicates with customers. This third complaint is about the multiple sources -- customer service agents, the app and the website -- of false and misleading information stating that my funds are available while they are not. 

On XX/XX/2021 I deposited a USPS money order into my M & T Bank account in XXXX, Maryland. I had called M & T Bank 's customer service ( as I am new to Maryland ), to determine M & T Bank 's policies on cashing USPS money orders. The agent told me that the bank could, maybe, cash it for me or it could take five business days for my funds to become available. 

I received an extremely offensive letter dated XX/XX/XXXX from M & T Bank basically accusing me of passing a fraudulent financial instrument, stating " We have information that indicates that the check may not be paid. '' Nevertheless, this offensive communication stated that my funds would be available in five business days. Within five business days, M & T Bank 's app and website both stated that my funds are available, but they were not. I called customer service again was was " promised '' that my funds would be available this morning, XX/XX/XXXX. My funds are still not available. I called customer service, yet again, and the first informed agent I have spoken with, XXXX, a supervisor, stated that my funds would not be available until a pending " fraud investigation '' was completed. 

M & T Bank 's multiple false and misleading statements by customer service agents, in its offensive written communication, on its app and on its website regarding the availability of my funds from a USPS money order are, at the least, not in keeping with acceptable customer service practices.

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 2022-07-20
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage loan on XX/XX/23 and approved 1 organization to pull my credit. Because the credit bureaus sells consumers personal information, I've received over 100 calls from mortgage lenders over a 24 hour period XXXX along with text messages and emails. I use my phone for business and was overwhelmed by the amount of calls that came on my cell phone that I did not give permission to call me. It's an extreme intrusion of privacy and ridiculous of the amount of calls that came in. Of all the business that should not sell our information are the credit bureaus. They are contributing to risk of fraud and identity theft just by selling all of or information to lending predators. The calls continues day two after a full day of harassments. 

I have not taken any action against the lenders because there are far too many to keep track of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting 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 whit they Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have they rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumir reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was continually locked down so I could not spend my money when I needed to. Bank fees were constantly charged even after funds were deposited in time. They put a garnishment on my account and did not notify me- which caused multiple bounce fees and finally had to close the account. I had banked with Wells Fargo for years.

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 2022-05-14
Company: Westcreek Financial
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When you try and reach them, they are not available. I have noticed that when my payment comes due, they just cancel it. No notice no phone calls no email no nothing. I do not ever hear from them. When you try and use their website, it continuously gives you errors and does not allow you to proceed most of the time. The last three payments have cancelled, and they have not notified me at all. Why is this happening? This company has got some shady practices going on here just like some others of the XXXX  XXXX  category. I want answers and will not be held responsible for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Investigation took more than 30 days

Complaint:
NOTICE OF DISPUTE I've tried multiple times to resolve this with Equifax. Equifax has done nothing more than delay. They previously came back and said the accounts are verified. I am asking once again that Equifax provided me with documentation that I am LEGALLY OBLIGATED bound to to pay this alleged debt. Equifax has received identification information several times. Please be aware that this is resulting in financial hardship. Failing to respond in legal and lawful manner will result in additional actions. Failing to respond within 7 calendar days will be interpreted as your admission that this debt is invalid. Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : 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 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 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX, XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX XXXX Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I received a text message, and an email from Resurgent XXXX XXXXXXXX office after I have sent them over to cease communication. Pursuant to 15 USC 1692 if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XX/XX/XXXX, Resurgent XXXXXXXX XXXX received my request and acknowledge it by saying that they would cease all communication ( EXHIBIT A-B ). However, this has not happened, and this company has further violated my rights as a consumer.

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation. Pursuant to 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

I have attached an invoice with this notice. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Somebody opened a BofA account using my email address. 

On XX/XX/2022 I received an email from Bofa " We're sorry but we're unable to open your Bank of America account ( s ) online .... '' I replied " This is not me! Somebody gave you a fake name and my email address. '' I also forwarded the same email to XXXX with " FRAUD '' in the subject line. 

On XX/XX/2022 I received an email from BofA " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I again forwarded it to XXXX and stated that I had not opened any account. I received numerous other emails from BofA- INCLUDING ONE THAT STATED THAT THE EMAIL ADDRESS ON THE ACCOUNT HAD BEEN CHANGED - and I again forwarded the emails to XXXX On XX/XX/2022 I received a " verify your email address '' email from BofA and again forwarded the email to 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