BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After hurricane Irma, received a letter from Wells Fargo, offering a 90 days payment relief, no late payments, credit report and the option of moving the relief to the end of the mortgage. Only took 60 days out those 90 days, before the due day I star calling Wells Fargo and let them know will start my regular payments expecting those two payments get move to the end of the loan. The said it can not be possible since they only service the account and need a new application and change of my terms. I was in chock and try many times to reasoning with them, specially after they were able to move those two payments on the home equity line, even try to get the name of those investors, which they never provided, those are cheap lies and they only try to either modify my loan and reset the clock back to XXXX and start collecting huge interest on the loan, or simple foreclosure my house since I start getting many nasty and aggressive letters from them. At this rate will be force to make those payments to avoid foreclosure actions on my House. They are lairs and they only thing the do is taking advantage of peoples miseries, does not matter how long or how well you pay your mortgage.

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 2018-01-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are receiving notice from the township that our property tax has not been paid and we are delinquent. We placed several calls to LAKEVIEW LOAN SERVICING to inform them that the township has not received the property tax payment. We were told that it has already been sent. The first notice was for XX/XX/XXXX and the second notice was for XX/XX/XXXX outstanding tax dues. Currently, we are given notice that our home will be placed on lien if XXXX XXXX XXXX  can't provide supporting documentation that the payment has been mailed, cleared and received by XXXX XXXX, NJ. We are given untilXX/XX/2018to make the payment. We were told that they do not have access to these supporting documentation available since they use a third party company to disburse funds. I have spoken to a supervisor to assist with the issue but has not returned any call for an update. I am hoping this agency can assist me in this matter. I have a mortgage account and escrow account in good standing and it is unfair to put us through this situation when we have more than completed our obligation, to pay our mortgage on time. We have sent a copy of the delinquent notice the moment we received them. We have placed repeated calls sincXX/XX/XXXX but XXXX XXXX XXXX has not resolved this issue.

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 2021-02-20
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with Chime on XX/XX/2021 and was rejected based on information from a 3rd party.

After inquiring about the reason and the information of the 3rd party so I could direct potential questions to the 3rd party, Chime insisted in both refusing to give me a clear reason nor the information of the 3rd party they based their decision on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NJ
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 originally wrote XXXX XXXX  ( XXXX  ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both experian and transunion in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the XXXX collections off my report. XXXX put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent XXXX XXXX copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, XXXX XXXX should remove the collections from my report. I even I called XXXX XXXX numerous times and they keep giving me the runaround and told me to call the XXXX  XXXX. XXXX XXXX is the collection agency for XXXX XXXX and there is nothing XXXX  XXXX can do. XXXX is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX, equifax and XXXX, but XXXX was the only one who removed the collections. XXXX  and Equifax will not take it off because XXXX will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at XXXX XXXX  they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 
In my case, two our of three websites did not work. Transunion 's website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of XXXX, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on Transunion 's report. The XXXX system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.

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 2019-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
2 months ago I applied for a mortgage and in order to obtain it I had to pay down any large debt that my husband owed USAA CREDIT CARD was one of my larger debtor so XXXX XXXX XXXX advisor XXXX XXXX suggested we pay them off in full. I investigated the charges to my account and discovered most of the charges were made after we had moved from our former address and were for XXXX XXXX males would order. I contacted XXXX and found out they mailed out a new credit card to my old address and two minor males at that address were purchasing body building products with the card XXXX sent to my old address in my name XXXX XXXX XXXX. I called XXXX and stopped the card use, determined what my real balance was, paid that off and requested they close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The checkbook to my Health Savings Account with XXXX  was stolen from my car in XX/XX/2017. Several checks ( {$1900.00} worth ) were written by the thieves and paid by XXXX. I filed a police report and alerted XXXX  of the theft. They had already closed my account since it was overdrawn from all the fraudulent checks that were written. At the time of the theft in XX/XX/2017 I had {$260.00} in my account and have requested this money be refunded. Over a year later I still have not received my money and XXXX  is charging my account service/maintenance fees even though it is closed. I submitted all requested forms and affidavits about the theft and not one person from XXXX  has ever called me about the status of my claim. I am asking for my account balance before the theft ( {$260.00} ) to be refunded.

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 2020-05-09
Company: Webcollex, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cks financial hit my credit report as a line of credit for {$7000.00}. I have never entered into any contracts verbally or written with this company. They have not sent any correspondence as to why or how my personal identification was used to open an illegitimate account. The desired outcome is for them to remove any open accounts under my personal information and close all accounts or services under my personal information. And to be fined for deceptive practices and failure to communicate intent, purpose and documentation for any open credit services or contracts which I have not been a willing party to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to refinance my house which was passed on to me from my deceased mother. 
My mother passed away in XX/XX/XXXX her estate went through probate. Everything was cleared. 
Now I get a notice from the credit card company, XXXX that in XXXX I opened a credit card ( which I did not ) and its blocking me from refinancing my house cause some how they tied it into my mother house which became mine in XXXX. The amount is {$14000.00} I asked for proof that it was me and they didnt send me anything but a letter saying they conducted an investigation and everything is as it should be. 
The other thing is in XX/XX/XXXX I was not even in America so how was this card made? 
I tried to tell them it wasnt me but they are not even listening especially to a debt from 21 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: V and H Portfolio
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was a payday account with XXXX XXXX, a debt collector Vance and Huffman LLC reported the negative item on XX/XX/2021. They had bought off payday loan debt from XXXX XXXX and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with Vance and Huffman LLC. This should be remove/dispute off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I paid by electronic from Bank of America with my checking account has enough fund to cover to my friend VISA credit card, when I made a payment by electronic from my checking account to my friend VISA of Bank of America. Bank Of America accepted it without problem from electronic, it last payment for amount {$10.00} inXX/XX/2020 and plus fee charged next billing in XX/XX/2020. Bank of America returned the fund {$10.00} to my checking account and fee charged my friend VISA credit card for {$25.00} for non payment.It totaled {$35.00} in XX/XX/2020. I wrote to them a letter to please them waive the fee charged with good cause, but they keep quite until now. I feel bad and close my checking account and I must pay the fee charged in XX/XX/2020 to cover for my friend {$25.00} My checking account number is XXXX ( XXXX XXXX XXXX ) Bank of America My friend VISA credit card number is XXXX ( XXXX XXXX XXXXXXXX  ) Bank of America They want to use the weapon in Pandermic CoVicd-19 to avoid and steal money from customer. It is so easy to get money without customer fault. Just charge and keep quite no reply or answer with bad attitude. Thank you so much.

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 2021-08-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
*Please note : I have all supporting documents but they exceed the allowed file size, please advise an alternative method to submit. 

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to RESURGENT CAPITAL RESOURCES, XXXX XXXX AND XXXX  XX/XX/2021, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. RESURGENT CAPITAL SERVICES, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had to use my card make a large purchase as I could not goop into the bank to get a wider. I made the down payment in XXXX of 10k and called to let them know what I was doing and there would be more. I made the rest of the payments in XXXX and XXXX and I would immediately pat it off. In XXXX I accidently paid the payment twice of 19k. I called them and let then know what had happened. The customer service agent had said that everything would be fine.The next day they closed my account and 4 other Synchrony accounts with no notice. I found out when I went to use the card. 

When I called them they could not give me a reason just that they could close them at any time. The first two agents were terribly rude taking to me like I was a criminal. I asked why they had not contacted me. They said I would receive a letter. I had been a customer for 15 years and paid my account in full every month. I did speak to a supervisor who says he would appeal it. 

We received the letter in the mail and it said they had been closed with the reason : activity on accounts with Synchrony bank indicative of high risk of failure to pay. Which I had over paid from the account I always paid from. This was dated XX/XX/XXXX. I received another letter dated XX/XX/XXXX stating they were closed due to the high number of accounts we have with Synchrony. Which I have had the same number of accounts with them for several years. 

Their action caused my credit to drop from XXXX to XXXX XXXX appox ). I have worked my entire life to have good credit and now I am almost ready to retire and they destroy my credit. They should not be able to have this kind of power. I have read reviews that say Synchrony discriminates towards seniors and maybe that is the reason.

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft.

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 2020-11-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
When I opened a line of credit account they opened portfolio account without my request. When I asked they false information such as it is required for my line of credit account.I have requested a couple of times and each time they tried to scare me from closing the account. Now they are charging me {$30.00} each month.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$0.00}, {$0.00}, {$1200.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

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 2020-06-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX I applied and was approved for a COVID-19 Forbearance Plan. Then XX/XX/XXXX I was sent out a from Quicken Loans stating the Forbearance Plan offer was withdrawn and that foreclosure process will begin. Then to add insult to injury on XX/XX/XXXX I receive a late payment notice. 

Note : they checked my credit history without my consent.

Company response to consumer: Closed with explanation