BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX  2018 my XXXX score said that my debt increased. Upon looking at what increased, i found it was a debt collector ( Conserve in XXXX, NY ). The issue is i have already been paying on that debt and started paying AN AGREED UPON amount, but the total went up as i was paying. I attempted to contact them twice, both with no resolution or explanation as to why they decided to make me pay more than my agreed upon amount. I know that legally a debt collector can not collect more than what is agreed to be paid on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my normally scheduled payment in the month of XXXX. I received a call from Pinnacle Financial Partners on XX/XX/2020 stating that I was late for my XXXX payment. While on the phone with the collections representative, I reviewed my bank account for activity. I confirmed the date of when my payment was received. The representative then informed my that my escrow payment had changed. The represent reviewed my account, and advised that a letter was sent to me on XX/XX/XXXX. I advised the representative that I didnt receive the letter, and asked her to review my account for a record of perfect payment history, as well as issues in the past of not receiving communications from Pinnacle Financial Partners ; she confirmed this information. I have no problem making the new payment, my issue with Pinnacle Family Partnership is that they are giving no leeway for reporting a late payment given my perfect payment history, the proven history ( via returned mail per USPS ) of not receiving their communication and numerous calls of complaints from me, and the fact it was the first month of the newly scheduled payment. One mailed letter informing a client of a new payment seems to be a deficiency of effort. The month of a newly scheduled payment should be given more scrutiny, and when someone sends the old scheduled payment amount, efforts of quicker communication with the client about a payment shortage should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ALL CHASE BANK AND MORTGAGE ACCOUNTS ARE BING HELD BY XXXX  XXXX AND CHASE, FROM REPORTING DUPLICATE CHASE HOME FINANCE LLC FOR TRANSPOSING LOAN NUMBERS, WHILE THEY WERE XXXX   XXXX. THE 1099-C FIASCO, AMENDED 2015, FILE ON TAXES. XXXX  AND CHASE ARE LISTED IN OUR BANKRUPTCY XXXX 3RD PARTY CLAIMS ON DEBTORS LIST THE AMOUNT OF OUR CLAIM WAS 1099-C AMT OF XXXX, XXXX AND XXXX  XXXX CLAIM IS VIOLATING THE F.C.R.A 15 U.S.C. Section 1681g and both guilty of violating the DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Peoples Commerce Inc
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I previously disputed a repossession due to the company People Commerce not sending me a notice of rights after repossession. And the fact that the PA Attorney General Office suing their subsidy XXXX XXXX for selling me a costly lemon. XXXX has removed this but XXXX and XXXX are not removing this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Wells Fargo collections department on XX/XX/20 XXXX @ XXXX to attempt to settle a balance owed on my XXXX card . The current balance is {$360.00} on an account that had an original credit line of {$100.00}, 360 % greater than the original line of credit! This was due to an outdated mailing address they had on file, which they continued to mail statements and accrue multiple late fees, without my knowledge of owing them. Prior to this, I paid all balances on time. 

I was routed to an offshore representative that stated that they can offer a 60 % settlement. I asked for a written settlement agreement, which he declined and advised he could only provide AFTER agreement to enter into settlement. I asked to speak to an on shore representative ( XXXX employee id # XXXX ), which stated she could not accept less than 60 % of the balance outstanding, I asked to be transferred to a manager ( XXXX XXXX ) who refused to settle, despite explaining what occurred and the call was ended. 

This predatory behavior WellsFargo operates under, continues to negatively impact my ability to obtain credit, despite my good intention to resolve.

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 monetary relief
Consumer complaint received 2021-03-25
Company: Shellpoint Partners, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Shellpoint Mortgage Servicing is reporting erroneous lates on my credit file. I had a few erroneous lates that were removed due to me being in forbearance but after the forbearance was over they reported new lates. I was very confused as i had set up automated payment 's. I called to ask why those lates were being reported and they told me no automated payments were set up and those payments were missed. I requested they listen to the recording where i asked for the representative to set up automated payment 's. This conversation was 30+ minutes long, after we discussed the deferment process i requested auto pay. They have " investigated '' but i don't think they even listed to the recording where i know for a fact i requested the automated payments. This is now the second time i have had erroneous reporting 's and I'm truly upset as a long time customer. This has ruined my credit and also is getting in the way of me being able to obtain financing which is very important to me and i take very seriously. I need a full investigation and for these lates to be removed from my credit. If the lates are not removed and i don't receive proof of the reporting being accurate then i will take further, legal, action.

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 2021-04-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mom received, by mail, a Servicing Transfer Notice dated XX/XX/XXXX stating that XXXX loan was being moved to Select Portfolio Servicing, Inc. XXXX SPS ) on XX/XX/XXXX and that this transfer does not affect any of the terms of her thought to be 30-year mortgage loan. 




She later received a Notice of Maturity Date-Final Payment Due letter dated XX/XX/XXXX from Select Portfolio Servicing , Inc. Stating that if all due amounts on this account are not paid in full on or before the Maturity Date ( XX/XX/XXXX ), the property listed, XXXX XXXX XXXX XXXX XXXX NY XXXX, will be at risk of foreclosure. It was also stated that they will no longer accept monthly payments that are less than the full payoff amount on or after the Maturity Date. This is clearly a bait and switch tactic assuming that my mother who is elderly at XXXX XXXX XXXX would not review the fine print as they attempt to trick her out of her home. I was under the impression that XXXX was a reputable company and would assist but I am unclear who switched out the policy on my mother as they were never clear and transparent in their actions and never took the time to carefully explain anything to my mother which is unfair she is retired an would never be able to assume or pay the mortgage balance and given that fact should have never been unknowingly duped into this the terms of repayment were never explained to her limited understanding at her current capacity and was never agreed upon. I am hoping that someone can investigate this incident to ensure that other elderly citizens that we should be protecting aren't being stolen from for capital gain. 




My mother 's name, XXXX XXXX, her home was purchased on XX/XX/XXXX, XXXX she was unaware that this was a 15-year Balloon Disclosure, and i was unaware as well. I am not listed on any paperwork as authorized, but I now handle all mortgage business for my mother by phone after her verbal approval I wish I had noticed the game of three card monty the bank has been playing with my moms life sake, she has never refinanced or tried to sell she was just trying to live out her days in her actual home Un intruded I am hoping that someone there is able to help my mom from being thrown out on the street during Covid, she always pays her mortgage and planned to continue doing so until this sham took place. Please feel free to reach out to me for any more information I may be able to provide XXXX XXXX ( Daughter ) XXXX loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
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: Investigation took more than 30 days

Complaint:
here is the problem with you not doing my dispute sence XX/XX/2018  when I dispute you dont notify me with in the 30 days and never have a way to attach the proof and I was subject to your data breach and you said you dont care so I reported you as a terrorest attck on my credit report and I am disputing again though this email with an account you refused to fix 3 times with proof attached to FTC complaints well once again her you go. 
XXXX XXXX XXXX XXXX Hide Details XXXX XX/XX/2018 {$72000.00} XX/XX/2018 {$620.00} PAYS 31-60 DAYS N/A XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, KY-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$71000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/2018 Balance : {$72000.00} Date Reported : XX/XX/2018 Amount Past Due : {$620.00} Date of Last Payment : XX/XX/2018 Actual Payment Amount : Scheduled Payment Amount : {$600.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : USDA Real Estate Mortgage Loan ( US Department of Agriculture ) Date of First Delinquency : XX/XX/2018 Comments : Consumer disputes - reinvestigation in progress Attached receipts show XX/XX/XXXX and XX/XX/2018 payments to XXXX XXXX  XXXX XXXX paid so this is false reporting by XXXX XXXX  so this needs to be removed and you keep telling me to go to XXXX twice with those exact words. well attachments is the proof I need when I take you to court so fix the problems and want all removed permanently per your terms and conditions in your credit reporting information you mailed me about credit reporting Equifax procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I filed a previous complaint against this company with CFPB. I have been attempting to withdraw my funds since XX/XX/XXXX but cashapp will not let me access them. They closed my account XX/XX/XXXX and the system blocks all my attempts to recover my money. CFPB got a response from " XXXX XXXX '' of the company telling me to sell my XXXX ( I had already done so ) and cash out with a new bank account. The system will not allow me to link a bank account or debit card and blocks my cash out. CFPB closed my complaint but I still can't get my funds. I found a phone number for help XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX who told me she couldn't help me, that I should contact cashapp support through the app. I have done this dozens of times with no response. My original complaint # was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00} Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender : XXXXXX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.

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 2020-08-24
Company: LEADER ONE FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 to XX/XX/2020 {$100.00} and {$3200.00} We were 11 days before closing on a new home when the lender LeaderOne Financial Corporation, Branch XXXX XXXX XXXX and his assistant XXXX XXXX. He decided he did not want to help us with the loan for 2 reasons. 1. Taxes 2. Employment. After disclosing the tax information with the lender he waited until  XX/XX/XXXX to inform me what needed to be done knowing it could not be done. I sent an email with the details about the taxes. After it was to late to do what he wanted is when I received an email saying what he wanted done. The lender was not happy with the employment, I was going to transfer my job to a office in another state but the office closed so I got another job with a new company in my field making adequate wages to continue. These are the reasons he gave for not wanting to continue with the closing. The lender sent me two loan packets for the above amounts. I am a first time buyer. The loan for {$3200.00} says second mortgage, conventional loan, term 30 years, payment of {$200.00} per month. I received an email stating that it is an down-payment assisted 2nd mortgage. I live in Arizona and the new house is in Wisconsin. I have switched everything, Car insurance, electric, mail, Home owners insurance, all things needed including moving expenses. Now I have to see if I can get a loan from a different company and I need to call everything to change dates. I have been told if I get approved it will take 30 days or longer but I have already quit my current employment and taken a new job in Wisconsin and this creates a real problem. 
He has created a nightmare for me. He was extremely rude, loud and mean over the phone on a three way call with boyfriend and the realtor. I have included supporting documentation. Something needs to be done, what he did is wrong and has hurt many people. At the very least he needs to reimburse my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX , Inc. has repeatly tried to collect money on an old debt that was discharged over 8 years ago with XXXX Bank. The amount is more than doubel the amount that was discharged and written off. 

I tried to call and explain to them they are doing something that is illegal rying to collect on a debt that was closed out over 8 years ago, but they were unreasonable andwoudl onlt accept payment. 

They sent me a offer letter to collect 60 %. Their letter states that they do not have legal recourse against me because it is an old debt and said they will continue to report an upaid balance to the credit rpeorting agencies. To me, this is extortion. They are reporting this a as a recent default and are ruining my credit. This is true text book backmail to get moeny out of me. I have contacted the attorney general 's office in California, the reporting agencies to dispute their claims and if need be, I will retain an attorney and sue them. Their parent company, XXXX XXXX XXXX has had numerous lawsuites against them for using illegal collection tactics, committing fraud by signing on behalf of the defendants they are trying to sue in court and filing false clains of having served leagl documenst on these ppeople they are trying to collect. 

I have a copy of the consent order file # 2015-CFPB-XXXX with United Stated of America Consumer Financial Protection Bureau where they were fined and had to pay damages for breaking many collection laws and unlawfully collecting fees from ovrstated interest rates, more than doubling and tripling the original debt and using extortion tactics to collect. They falsley filed with courts by deceiving the courts with inaccurate records. 

I am requesting that your agency look into this matter and do whatever is in yor power to penalize these crooked people who have ruined my credit and are tryingt o balckmail me to pay them for a debt that was over 8 years old, discjarged and amount more than tripled the orginal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
For almost 10 years, I had a checkings and savings account with Bank of America. The minimum monthly balance requirement on the account was {$25.00}, and for years I maintained exactly that balance, never incurring an maintenance fee. Without notifying my, sometime in early 2018, BofA raised their minimum balance requirement to {$300.00}. All of a sudden, for 5 months in a row I was charged a {$5.00} maintenance fee without any idea why. I just spoke with them on the phone, and they told me that the maintenance amount never increased, which is simply and demonstrably false. I double checked my email as well ( I have paperless billing ) and never received notification of the increase.

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 monetary relief
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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