BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving a collection notice from Receivables Performance Managemant LLC. I have sent multiple letters requesting verification and they refuse to send me any information. The Debt is from XXXX and I have never had a XXXX phone.

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 2021-07-12
Company: Mountain Run Solutions, LLC
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 disputed a collections account that was flagged to my account through XXXX. XXXX claims it has confirmed that the account belongs to me but thats not accurate. XXXX and XXXXXXXX XXXX  has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with XXXX but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and closed on XX/XX/XXXX. The escrow amount sent to me in check form was XXXX. This check was deposited and came back as insufficient funds. 
Ditech is the Mortgage company who I had my mortgage loan through. 
When I called they said that they would issue a new check. 

I have called several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and they always tell me an excuse. Either they duplicated it and it was cancelled, that it may have been lost in the mail and we will issue another one, the first reason was that too many checks were being processed and that it was mailed late and now no reason, we will call you back. So I wait. My wife has also spoke with two different managers to try and resolve the problem and they keep giving us excuses. 

When I call they tell me they will send a new check and one never arrives. I have asked for it to be overnighted and still no check. I have also asked on XX/XX/XXXX to wire funds into my checking account and they told me they could not do that. 
I am getting no where quick and now we are heading into XXXX, over 3 months of trying to get my escrow balance from them and I am getting the run around. They are rude and make excuses every time I call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo Financial Services offers XXXX through their online banking services as a form of payment. On XX/XX/21, someone set-up a recipient that I did not authorize, nor did I receive an email from Wells Fargo or XXXX asking if this recipient was authorized by me. On XX/XX/21, two separate payments of {$2000.00} and {$1500.00} was sent to a XXXX XXXX. In addition, on XX/XX/21, another XXXX payment of {$500.00} was sent to XXXX XXXX. On XX/XX/21, I logged onto my Wells Fargo account and saw {$4000.00} was withdrawn from our savings account through XXXX to XXXX XXXX. I called Wells Fargo and they started a fraud investigation. I deleted XXXX XXXX from my XXXX account through Wells Fargo. After 10 days, I received a letter from Wells Fargo stating that the transfers were already approved and processed, and they were unable to stop or reverse the funds. They notified the receiving financial institution and the XXXX network about the scam and asked for the funds to be returned but there is no guarantee that we will receive the money. Wells Fargo said the claim was now closed.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.

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 2020-10-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This debt i no longer owe and was from 2015. This was settled in a vehicle accident lawsuit that my ATTORNEY was responsible for paying. I have contacted my ATTORNEY multiple times regarding this bill and he says " he will take care of it ''. I have no knowledge of any debt owed to this company and as stated all debts regarding this accident have been paid. 
This attorneys office has been telling me for 5 years now the " debt has been taken care of when apparently it has not. This has been filed on my credit report before and i was able to fight to get it off with the assumption the attorney had taken care of this like he was paid and settled to do. He made way more money than i and i was rear ended and side swipped and still suffer from back pain.. 
This attorney recieved his money, knew about all my bills and chose not to pay this pay on his own apparently. He paid the bills and gave me my share after all expenses were paid. I had no knowledge of what or what wasn't paid he was in full control over this. I also had XXXX  bills, ect which were all paid to my knowledge.

All medical expenses, bills, ect were to be paid by attorneys prior to settlement which went to mediation and was settled. Any and all medical bills not paid are the RESPONSIBILITY of XXXX XXXXXXXX XXXX XXXX  and or the attorney who represented me which was XXXX XXXX. 
I am not responsible for this bill. 
Attorney information has been attached in attachments- please see. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
OnXX/XX/2018 I received my dispute results for a bankruptcy that did not belong on my credit report! The results proved me right as the Bankruptcy was deleted from my report. Here we are 5/6 months later and Equifax has added this account back to my report with no knowledge or justification as to why. UNDER FCRA THEY MUST NOTIFY ME five days before they add anything to my report after that item has been deleted. I received no such notice! I have attached the guidelines equifax have violated, please review all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Earm LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is harassing me and my children by continuously calling our cell phones claiming that I owe a loan to XXXX. I told him I do not owe a loan and he then read out my ssn #. I asked if he had my address so that I could respond in writing but he ignored me and told me that I was rude. I told him that I was recording the call with an app on my cell phone and to not call me anymore.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-05
Company: Global Credit Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
calling couple times a day, threaten to call family members and neighbors. I even asked if they were threaten and they said yes. I have told then we do not owe any money to our contractor who was doing work on our house because nothing was done and I have pictures to prove it.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-07
Company: Signature Bank (NY)
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX company named XXXX XXXXXXXX XXXX. Money was transferred from my account to the Signature Bank via wire transfer for a total amount of XXXX XXXX USD. Signature Bank TOTALLY IGNORE their responsibility. They never reply back to me, nor did they provide me with a final written response. It is obvious Signature Bank is an ACCOMPLICE to the crime and a person assisting a thief is a THIEF THEMSELVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
EVERY year I contact GM CAPITAL ONE Card ( among other credit card companies ) and tell them that I already told them I Did NOT want them sharing my information. They refuse to give me documentation to say I called in or written verification that I contacted them and told them to stop sharing my information. Then they claim I never let them know. What will you do to address this? I '' m sure you know this goes on with the credit card companies all the time. Why even bother having the law if they don't have to follow it? They should have to send verification immediately when someone tells them not so share information or make it an option on their site so you can take a screen shot to " prove '' you told them not to share the information. They have already compromised my financial information by their most recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Bank of America XXXX XXXX credit card lets you set up automatic payment for your credit card. They offer three options without explaining what exactly they do : Pay Minimum amount due, Pay the Amount due or Statement Balance. ( XXXX while listing 4 options explains each right next to the option, boa does not ) I understood the amount due to be the amount to pay the credit card bill each month ( and not get interest charges ), but apparently that was the statement balance. 

When I called to complain, I was told that the " amount due '' option was the minimum payment. It's lame to not explain that choosing an option will result in interest charges, especially when it says " the amount due ''. Secondly, why offer to different forms of minimum payment?!?!?! 

I have closed my credit card because I will not use Bank of America for these deceptive practices. 

To be clear, on my XXXX XXXX Credit Card there are three options : Minimum payment due, last statement balance in full or other amount ( you choose ). 

My XXXX Credit Card offers 4 options : minimum payment due, full statement balance, minimum payment + other amount, or other amount ( you specify ). 

Only Bank of America offers the weird " amount due '' option that results in interest charges and is actually just the minimum payment. It sounds like this is in keeping with the " deceptive '' business practices in general.

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 2018-06-16
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am formally submitting a letter of complaint over the sudden increase in monthly mortgage payments and requesting a refund from LoanCare , LLC. I am also requesting that my escrow account be closed. 

New FHA rules no longer require that lenders of FHA loans must maintain an escrow account. The homeowner is permitted to maintain his escrow account at his own bank. 

For the first year, my mortgage payments were {$1200.00}. The second year, they were {$1200.00}. In XX/XX/XXXX, they shot up to {$1700.00}. That is an increase of {$520.00} per month. 

I have spoken with five customer service representatives at LoanCare, none who have been able to explain the rate increase. 

My property taxes in XX/XX/XXXX were {$3200.00}. In XX/XX/XXXX, they were {$5200.00}. Thats an increase of {$2000.00}. 

My hazard insurance has remained largely the same, as has my monthly mortgage interest. 

Dividing {$2000.00} over 12 months, my monthly mortgage should only increase by {$170.00}. 

Yet LoanCare has increased my monthly mortgage by {$520.00}! 

Heres a breakdown of what I should be paying monthly : Principal & Interest : {$790.00} PMI : {$110.00} Hazard insurance : {$100.00} City taxes : {$430.00} TOTAL : {$1400.00} Federal law gives lenders the ability to have a cushion of only two months maximum of escrow payments. In this case, my monthly escrow payment is {$660.00}. Double that and its {$1300.00} maximum per year that LoanCare can request for a cushion. 

{$1300.00} divided over 12 months is {$110.00} for the cushion per month. 

So adding the extra cushion payment would make my monthly mortgage rate {$1500.00}. 

By charging me {$1700.00}, LoanCare is violating federal law and overcharging me. 

I have already submitted a formal complaint to the XXXX XXXX XXXX, and noted that LoanCare is not accredited by the XXXX and has an F rating based on multiple complaints and unresolved disputes. 

I want a refund of my escrow, and request that LoanCare close out my escrow account. Moving forward I will only pay the principal and interest on my loan and will maintain an escrow account at my bank. 

If LoanCare refuses this request, I will refinance my mortgage with another lender.

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 2020-12-16
Company: TD BANK US HOLDING COMPANY
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:
This company has the worst consumer service! 

First Target sent a letter to me on XX/XX/2020, and then reponed to the CFPB XXXX XXXX. XXXX on XX/XX/2020. 

On XX/XX/2020, I called target and asked for a fax number I spoke to XXXX and XXXX. The fax number I was giving XXXX. 

Today XX/XX/2020, Call XXXX XXXX XXXX to check on the fax that I sent. On XX/XX/XXXX, XXXX from fax number XXXX. I called got the first rep and the was transfer to XXXX ID XXXX. This is not a good representative for the XXXX XXXX. I would suggest that someone who has more authority look into this situation. This can not be how someone conducts business. All I wanted to do is check on the fax that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a welcome package from TD Bank today, XX/XX/XXXX21. 
Inside were three checkbooks with a welcome letter. 
I was surprised to open this because I have not opened any such account. I immediately called TD Fraud department where they advised me that the account had been opened online around XXXX XXXX, 2021. I never opened such account online or in person. I was advised by TD fraud department that Drivers License and SS number were both required in order to open up this account, neither have been used by me for this purpose so someone has stolen my identity to do this. TD assured me they were going to be doing a full investigation, and instructed me to contact the credit bureaus and also the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A lady from XXXX claims to be selling XXXX XXXX tickets, scammed me {$110.00}! 
She blocked me on XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$500.00}, {$1000.00}, {$300.00}, {$100.00}, {$35000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Verisk Analytics Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested a copy of my A-PLUS report from Verisk and learned that it had been used against me by an insurance carrier. The documents that came with the report directed me to call the Verisk customer inquiry center if I wanted to open a dispute regarding inaccurate information. I called the Verisk customer inquiry center and spoke to Angelys who refused to open a dispute, stating that if I wanted to dispute something on my report I had to contact the claims department of the insurance company myself and have them tell Verisk to remove the information from my report. Verisk refused to accept my dispute request, in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CORELOGIC INC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Please accept this Requests for Information under XXXX wherein I am requesting documentation relating to the request made to CoreLogic for the payment of Real Property Taxes, to the XXXX XXXX County Tax Office for property the address of XXXX XXXX XXXX XXXX XXXX, NC XXXX  for years ; XX/XX/XXXX, Bill # XXXX in the sum of {$13000.00} on or about XX/XX/XXXX and XX/XX/XXXX, Bill # XXXX  in the sum of {$11000.00} on or about XX/XX/XXXX. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
charges were put on my XXXX XXXX card that I never did. I reprted chages to bank America as fraud and at first they they said it was fraud then a week later said it was not 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 explanation