BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today XXXX @ XXXX I made my final pay, emt of {$240.00} to this trifling company Bank Of America on the card ending in XXXX after being told I couldn't pay using my debit card and when I went off on the lady telling her I wasn't giving my routing and acct information because I didn't trust BOA she did her job and said let me check your acct but only after I told her I had proof of them using my debit card before to make payments and she saw that I had and transferred me to someone that was able to take the payment using my dbit card. Theefore, my first complaint I did against BOA I resolved mnyself not the so called good for othing and useless lady XXXX XXXX XXXX ext XXXX that never returns calls she is useless and should be fired as the rest of the ppl I have spoken to at BOA that caused me to file the original complaint about not accepting my payment by debit card when it had been done and I had proof. The reason for this complaint is that i was refused proof by email that I made my final payment of {$240.00} to BOA as my lender asked me to do so. I'm so sick of trifling BOA with all the lies. I was first refused proof by the rep that took my final payment of {$240.00} on XX/XX/23 @ XXXX named XXXX XXXX and I then asked for a Manager and was transferred to a XXXX XXXX in escalations and asked him to email me the proof that I as well as my lender requested and was told he could not provide me proof. I'm glad to be done with this trifling business. All I asked for was a email proving I made my last payment and these idiots act as if I asked for a XXXX from them so childish and ignoarant. I don't trust BOA they are low down dirty dogs. I will neve trust this trifling business again after 30 years they screwed me over and are the ones in the wrong but not even a simple apology just excuses from these XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 2023-07-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
P & B Capital Group , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : You had an account with XXXX, XXXX I do not owe debt to this company P & B Capital Group. This company email and text message me weekly! 

In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) to Select Portfolio Servicing as of XXXX. Property taxes were due to the XXXX XXXX XXXXXXXX  XXXX on XXXXXXXX 
- XXXXXXXX  : knowing that SPS had not yet paid my real estate taxes, I notified them of the omission. 
XXXX XXXX  : I paid my taxes myself and submitted the receipt from the XXXX XXXX XXXX XXXXXXXX tax assessor to SPS - XXXX : I spoke to XXXX, a customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. She told me that everything would be resolved by XXXX. I received no further communications from SPS. 
- XXXXXXXX  : I spoke to XXXX, another customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. XXXX assured me that she would research the issue and to call be back by XXXX. I never heard from XXXX nor did I receive an escrow refund from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I was in the drive through at XXXX XXXX. I tried to use my Synchrony Master card to complete the purchase. It was declined. I checked my phone and their fraud department had sent me a text messages regarding purchases they flagged for fraud. I responded they were fraud. 
Later I spoke with them, they cancelled the card, and I filed the report for unauthorized purchases. Synchrony advertises a zero fraud liability. They however appear to be operating in bad faith in an attempt to delay, deny, and avoid fulfilling that self proclaimed policy. 
The matter still has not been resolved. On XX/XX/XXXX they issued a letter stating that I had XXXX $ fraud liability and that it may take up to 60 days to resolve this. On XX/XX/XXXX ( more than 60 days later ) they told me they denied the claim because I had received the item ( they provided no proof of this and I had not received the item ). I immediately contacted them again to remind them they had a zero fraud liability. They sent a letter on XX/XX/XXXX again saying I had XXXX $ fraud liability and it may take up to 60 days. On XX/XX/XXXX they again said, without providing proof, that I had received the item. I again immediately contacted them. They sent another letter on XX/XX/XXXX acknowledging my continued resistance to their attempts to make me responsible for a unauthorized purchase. I received a letter in the mail from them asking me to once again write out what I had told them many times before. I returned that letter this morning. 

It seems to be the intention of Synchrony Bank to never implement their benefit of zero fraud liability. It appears as though they are acting in bad faith. Attempting to delay, defer, and deny coverage. XXXXXXXX XXXX XXXX XXXXXXXX is where these charges were made. I would assume that they have employees who are responsible for telling Synchrony that the purchase was valid as far they are concerned. It should be assumed that they will never miss the opportunity to dispute that this was fraud. It should also be assumed that if this pattern of Synchrony bank continues indefinitely it is guaranteed that at some point, I will be on vacation or unavailable in some manner and I miss a deadline set in place by Synchrony and they claim that I am responsible for the charge. This is not the guarantee that they promised. They did not state that a unauthorized charge maybe eternally contested. They stated that I would never be responsible for unauthorized charges

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 2023-07-25
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items. Thank you. 
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 XXXXXX/XX/2022

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 2023-12-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reaching out to express my ongoing concern regarding the unresolved matters pertaining to my recent fraud claim. While I acknowledge your admission of responsibility and the resolution in my favor, I must convey my serious disappointment with the insufficient response received thus far. 

Upon reviewing my credit report today, I discovered that Synchrony Bank is still listed, despite confirming the fraudulent nature of the claim on XX/XX/2023. Under legal obligations, financial institutions are mandated to promptly report instances of fraud to credit agencies. Unfortunately, I observed that Synchrony Bank failed to notify XXXX, even after the resolution of my fraud claim in XX/XX/2023. It's important to note that this neglect is violation of the Fair Credit Reporting Act ( FCRA ), a federal law that prohibits creditors from furnishing inaccurate information to credit reporting bureaus. 

This oversight has significantly impacted my financial standing. The delayed correction of the fraudulent activity has adversely affected my credit score, prompting a three-month pause in my business activities to engage credit repair services. Consequently, my credit score, consistently in the XXXX, plummeted to XXXX due to a harsh pull initiated by Synchrony Bank. The financial losses incurred and the disruption to my business operations are substantial, considering the severity of the identity theft. 

The origin of this incident, stemming from a routine XXXX XXXX appointment, highlights the unexpected and distressing nature of this identity theft. The gravity of the damages caused can not be overstated. 

Upon contacting XXXX, it was confirmed that Synchrony Bank failed to fulfill its legal obligation to report the fraud, exacerbating the adverse impact on my credit score.

I believe in the importance of resolving this matter amicably and trust that Synchrony Bank will take swift action to rectify the credit reporting issue and provide the requested compensation. However, I must emphasize that, regrettably, I will have no option but to pursue legal action if these concerns are not adequately addressed.

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 2023-12-26
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Between the date of XXXX while trying to obtain a modification from the America Servicing Company ( by Wells Fargo ) that was servicing my loan I paid approximate XXXX for each of the eight modification program I was denied which was over the amount of my mortgage note annually. I believe Wells Fargo received my account with XXXX XXXX XXXX XXXX XXXX XXXX fraudulently and used my account information to open a new account number under their company. I would like to request an independent audit of the origination and servicing of my mortgage account and legalization of how they obtain it and receive what violations were committed against me of any laws that were broken that led Wells Fargo of wrongfully foreclosing on my property. XXXX XXXX XXXX is claiming to be servicing the loan for XXXX XXXX  who hired attorneys to evict me from my property without standing in which I'm seeking legal assist in the federal district court of case # 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 2022-05-05
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a guest ion regular ding my foreberrance with Mr Cooper, I was told that I had to submit my guestions in writing and that they had 30 days to respond. I submitted my questions in writing on XX/XX/XXXX and I still have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a loan online, and the company did something fraudulent with my bank account. Nonetheless I never owed the bank any amount of money, but they have for the last 4 and a half years put on my ChexSystems report that I conducted fraudulent activity. Now Im unable to open another account. My intention was never fraud, and when I called the bank they were also able to tell me that the people who had done the fraud on my account was located in another country. So I contacted the bank, XXXX  XXXX XXXX and they stated that because I gave them my information I have to held liable, people apply for loans every day. Its not fair that they are treating me as if fraud was my intention. Also it states in my report that any money owed has been paid, but thats not accurate because I never owed the bank anything.

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 2023-07-25
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XXXX XX/XX/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 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 2023-02-17
Company: Experian Information Solutions 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021

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 2021-07-08
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There's a whole long story about how I got to the point of needing a loan modification and I won't go into it unless requested to do so. 

However, I did need a modification and Shellpoint Mortgage provided it. 

When the process began I owed approximately {$34000.00} on my property and had a little over three years left on a fifteen year loan with a 6.25 % interest rate. My late husband and I had taken that loan because we were both working and could make the payments. However, when he passed, it was very difficult for me to make the payments on my own so I asked my mortgage company ( I think it was XXXX ) to rewrite the loan at a lower interest rate and in my name only which they refused to do. I kept asking and finally, after one of their employees told me they wouldn't do anything as long as I was up to date, I let the payment get behind. This, I believe, was in XXXX 

Didn't do me a bit of good. After a few lawyer letters, foreclosure loomed and Shellpoint came into the picture. 

I now have a forty year mortgage ( I was XXXX when this all occurred and will be XXXX when/if I can ever get this paid off ), at a 6.25 % rate ( even though rates have been very low since way before that! ) and my balance is {$68000.00}. My house needs lots of work and is currently worth Iess than {$90000.00}. I can't even sell and make enough to move. 

I am retired and working part time to supplement my social security income but I just know I can't do this until I'm XXXX!. I feel trapped like the proverbial rat. 

Do you think I have a case? Do you have any recommendations for a lawyer? Is a real estate lawyer what I need? 

Thank you for any guidance you can provide,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation