BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been scammed by a company called XXXX XXXX for a data entry job. I was giving a check to deposit to my account for the equipment that the company said I have purchase once the check deposit. On the second day before the check cleared I texted my bank HSBC on their online chat, telling them that this maybe a bad check and how do I stop it from depositing or can someone help to figure this matter. The agent told me that the check was okay and it is already deposit and that nothing is wrong with the check. I told them I feel like I have been scammed and I am not sure what to do about this situation. HSBC agent never once told me or guided me about anything instead they assured me everything seemed okay. But I had a bad feeling inside, then I had turned down the offer for the position and told them I was no longer interested, the guy name XXXX XXXX from XXXX XXXX yold me I have to return the money back to the supervisor immediately. This is the third day, once the check had deposited not once the bank notified me that the check was a bad check, I never been in this situation and didnt know what to do so I rewired the money back to his supervisor for {$3300.00}. This happened on XX/XX/XXXX, and the rewire was supposed to go through by the XX/XX/XXXX the bank confirmation said. But not once the bank called to tell me that this check was a bad check. On XX/XX/XXXX I went to check my account to see the updates. That is when I tried to login into my account, and was not able to login. I called the bank after being rerouted about 12 times that is when I got of hold of someone from the fraud team and they told me that the check was a bad check and now I have a negative balance of {$3300.00} in my account which is why they closed my account. I have to now pay the bank {$3300.00} which I dont have at all.. when all this time I did this for a job. I have never been in this situation, I have been victimized in this situation and the bank is now telling they can not help me even though I have been scammed, apparently it is too late. I dont have the money or a job I told them many times the agents were not clear on their end as many times I told them I felt like this was a scam and how to handle the situation. I dont know what to do next. Especially in these hard times when I can not afford to get a job. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: LoanCare, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two houses that the mortgages are serviced by Loan Care. The houses are rentals that has one policy that covers both houses. This has been this way since XXXX I got a letter in both XXXX and XXXX from LC that they had not received proof of insurance. On XX/XX/XXXX and XX/XX/XXXX I faxed LC a copy of the policy. On XX/XX/XXXX and XX/XX/XXXX I emailed thru their portal a copy of the policy Today I received an email that LC escrowed {$3400.00} for insurance We had this problem 3 yrs ago with LC. My credit report shows 22 late payment because I would not pay the placed insurance. An attorney was hired, {$11000.00} approxiatemly, to rectify the problem. So LC has done it again. Plus LC will not fix my credit even though LC admitted insurance coverage was always in place Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm locked out of my account, the App behaves poorly, doesn't do face ID regularly, invalid Pin ( even though I haven't changed it in 10+ years ). Worst banking account I have. All other bank accounts work perfectly no issues. 

I've complained multiple times so this needs to be documented. 

Automated system on phone doesn't let you talk to a representative anymore. Was easier to file this complaint took 10 minutes to get someone. 

Please have the IT department learn to code or do something productive. They are terrible at their jobs. All my banking accounts work fine except USAA. It's embarassing to be associated with this company at this point due to recent quality Issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal Changed their acceptable use policy after we had initially signed up, And canceled our accounts with out first warning us of the violation of policy, I believe it would have been in the best interest of both PayPal and the Customer that if there had been a policy violation to explain that it cant be done, Since the activities in and of themselves wasn't illegal. Now PayPal Has Put a Hold on customers funds that it has refused to do business with, Release the funds or reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/XXXX I was charged XXXX due to a claim made by avis that i owed for a car rental. Though XXXX claimed that i only owed XXXX which they claimed they never recieved in the first place after a few weeks after the ridiculous charge was made to my account, I had XXXX dollars in my account which made me overdrawn XXXX dollars. I repeatedly went back and forth with XXXX and XXXX  XXXX XXXX to understand why I was 1. Being charged over the amount that was claimed by XXXX. 2. Why did they allow the charge to be authorized when I did not confirm this charge knowing I had XXXX dollars in my account and 3. Proceed to tell me they would reverse the charge because I didn't authorize it and continue to allow charges to go toward my account from avis when the card was canceled and the disputes I had made. I made claim after claim in regards to this issue and called plethora of times and have had the phone hung up on me as though I was not a customer of the company, which i am no longer due to the lack of professionalism, communication, and all around treatment by Bank of America they have stole my money charged me an unethical amount of money and stole my piece of mind when a bank handles any of our hard earmed money. As a nurse that has to work long shifts everydayi would expect my money to be authorizedby me and me alone in order to pay for any charge. I wish to take legal action due to the fraud that is at play with this company and what they are doing to other Americans.

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 2023-06-02
Company: EQUIFAX, INC.
State: OR
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two federal student loans administered by MOHELA. The calculation for my second loan grossly miscalculated by MOHELA and they charged me far too much for the most recent auto-draft of the student federal loans now that the loan payments resumed. Loan # XXXX is for a principal balance of {$21000.00} at 4.05 % for 10 years ( 120 months ), though for some reason they have it posted in my loan details as 115 months. {$21000.00} at 4.05 % for 115 months should be a monthly payment of {$220.00}, though they are charging me {$220.00}, which is pretty close. Loan # XXXX is for a principal balance of {$16000.00} at 5.05 % for 10 years ( 120 months ), though for some reason they have it posted in my loan details as 119 months. {$16000.00} at 5.05 % for 119 months should be a monthly payment of {$170.00}, though they are charging me {$320.00}!!! This is grossly miscalculated. I called MOHELA on XX/XX/2023 to draw attention to the fact that they grossly miscalculated my monthly payment for XXXX # XXXX. They phone associates did not understand that the calculation was incorrect and were asking me to look at other loan repayment options, but I explained the calculation was incorrect based on the principal balance, interest rate, and loan term. I asked to speak to a manager, who admitted the loan calculation was incorrect but could not explain why. He said that he recalculated it and the new monthly payment for both loans would be for a combined {$410.00} ( this is still not quite correct, but much closer ). Even though the manager said he would fix the issue I was still charged {$540.00} for the most recent loan payment in XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: American Credit Acceptance, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed XX/XX/XXXX. I was not notified by American Credit Acceptance as required by law of a repossession. On the morning of the repossession, I was told that I was notified and I wasn't notified at all. In addition, I inquired as to the location of the auto and was told that I could not find out because they don't want me to know where the car is. 

I received a letter in late XXXX from American Credit Acceptance that the car was in Washington DC. On XX/XX/XXXX, the vehicle was transferred to XXXX, VA ( XXXX miles away ) to be placed for auction. I was unaware that this was going to happen. I found out on XX/XX/XXXX, that my XXXX XXXX XXXX had been moved to an auction lot. American Credit Acceptance has cause a lot of unnecessary trouble. 

Now, in addition to having to go without my vehicle, AMERICAN CREDIT ACCEPTANCE has reported to XXXX, XXXX AND XXXX that the account is CLOSED and that I have a " foreclosure ''. My account is open and I have a payment arrangement to get my car back, although it is an overpriced arrangement. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the Forgery of the furnisher I have attached all my correspondence from Equifax, XXXX, and The courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 delete the following information in my file the items I need to lead it I listed in the report I am a victim of identity theft and did not make the charge I ask that the items be deleted to correct my credit report I reported the south oh my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft Affidavit please delete items as soon as possible

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 2021-10-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. 

In the year of XXXX my condo in questions had a massive flood that was not fully covered under my condo insurance. I had to spend several additional thousands of dollars to have the property repaired to become livable. The property had mold and we could not live in the property during the repairs. We have a XXXX XXXX XXXX at the time. Due to this we fell behind and could no longer keep up with payments on the loan. XXXX mortgage was contacted to try to do sell the property to no avail. 

In XXXX, my mother suffered a XXXX XXXXXXXX that almost took her life. Since the XXXX my mother was not able to XXXX, not able to move the XXXX XXXX of her body and XXXX XXXX. In XXXX of XXXX, I moved to Texas to assist in caring for her during her rehabilitation. 

In XXXX of XXXX, XXXX XXXX started the process of a forecloser of the property. Then in XXXX of XXXX, the condominuim associate purchased the property with no objections from XXXX XXXX and the property was sold to the condomium association and certificate of sale was executed on XX/XX/XXXX. XXXX XXXX lost the property, and then filed again a filed a Notice of XXXX XXXX to foreclose on the property that was already sold and owned by someone else. XXXX XXXX sat on this for over 8 years and theConsent of XXXX XXXX of Foreclosure was finally executed on XXXX of XXXX. 

This forecloser process took XXXX years to process, hindering me to a speedy trial. This has caused me to suffer more than a 7 year penalty of a regular forecloser to be able to recover and try to purchase another home. Now, I am being penalized XXXX years, 10 years more than other forecloser clients, and will have to wait until XXXX to attempt to purchase a home. 

XXXX XXXX dragged this out to an extent that was well beyond the normal processing time. It was a lack of duty on their part to get this completed in a timely manner and I should not be penalized for the lack of effort on this foreclosure. Not only did they not object to the sale of the property in XXXX to try to recoop some of their funds, they also added 10 years of a penalty on me. Their lackluster work efforts on this should be known and I should not be subject to more than double the alloted time foreclosures affect people. In their document they advise that they will sell the property at a public auction, but not sure how they can do so if they no longer own the property. I feel there maybe some inaccurate representations and documentation in their forecloser details with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had communication with Midland Credit Management or the original creditor XXXX XXXX XXXX They stated that the account was opened XX/XX/2022 in the amount of {$1700.00}. This account was removed from my reports and now it reappeared. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presumit that no proof of the alleged debt, nor therefore any such debt, in fact therefore does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Mr. Cooper Group Inc.
State: MD
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:
Hello, I first reported the problem on XX/XX/2021 and got a incomplete response on XX/XX/2021. 
It's about the balance of my Mortgage loan being reported to XXXX, XXXX  XXXX XXXX  at {$250000.00} and recently XX/XX/2021 received a email from XXXX stating my loan balance is {$250000.00} after they reached out to my Mortgage Loan Servicer Mr. Cooper. The correct Mortgage Loan Balance is {$230000.00}. I recently found out about this information being inaccurate with all Three Credit Bureaus is because my Credit Score was decreased. 
I will be sending by email a letter to the Researchincoming @ mrcooper dated for Today XX/XX/2021 that is a part of the attachments. 

You can only reach the people who does the investigation into this issue is by email only - reseachincoming@mrcooper.com or by mail. I have spoken to a CS Representative to see if I can speak them about this problem and I can not and they only addressed one Credit Bureau which is XXXX  and I sent the all three to show them the problem which has not been corrected nor my Credit Score. 

This is a copy of the Email I sent on - Fri, XX/XX/2021 XXXX pm ( XXXX ) To : you ( Bcc ) + 1 more Details Hello Research Department, Please acknowledge you received this email, so, I know it has gone to the correct place. I have recently discovered via my Credit Score being reduced, that all Three Credit Bureaus has the same incorrect my Mortgage Balance. Please find attached all Three Credit Bureaus reported amount of my Mortgage being {$250000.00}, when is actually {$230000.00}. There is {$23000.00} difference. Can you please correct this problem with the Credit Bureaus and inform me when this issue is resolved and my Credit Score is corrected. 

Thank you for all your help with this matter

Company response to consumer: Closed with explanation