BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The previous choices in your system are not applicable to what happened to me. I spoke to XXXX in your office today. He provided excellent service & information. This case involves theft from my personal checking account & incompetence by two banks. Three transactions against my personal checking account were made by a person using a fraudulent / counterfeit check ( s ). 1st --  On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... .identical to a legitimate check # XXXX which posted on XX/XX/2019. Essentially the check # XXXX never existed from my check book ... as my highest checks are XXXX 's ... only. The criminal changed the - " 3 '' in the check number ... .to an - " 8 '' -- Everything else about this  check was identical to the original check # XXXX .... except the - " 3 '' - in the check number was changed to an - " 8 '' - to attempt to  present a new & independent check ... .however this check was indeed a fake check. ~ 2nd ... AGAIN - On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... identical to a legitimate check # XXXX which posted on XX/XX/2019. Again, the - " 3 '' in the check number was changed to an - " 8 '' ... ..by the person cashing ... & /or depositing check # XXXX - which posted on - XXXX, XXXX, 2019. 3rd -- The same fraud was achieved again with no interruption / detection by Bank of America & /or my bank -- XXXX XXXX . The 3rd check # - XXXX -- was posted on - XX/XX/2019 - for {$100.00} In total 3 checks = {$300.00} stolen from 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 2017-11-17
Company: Clarity Services
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 Sequium added {$520.00} to my credit report as collections. I did not pay and cancelled service because the service was horrible. Not what was promised at all. This is XXXX XXXX. The service was constantly going out and getting it repaired was awful. I had no TV much more than I had the service. I was on the phone with them all the time and it was not right from the beginning. I was mailed the wrong parts from the company to install and this just went on and on. It got to the point that I had to get XXXX to watch TV and I was still paying for XXXX XXXX! I called XXXX XXXX to cancel and I mailed them back all their parts. After that, they still wanted to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Certified Credit Reporting, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Loan Number # : XXXX Select Portfolio Servicing Account # XXXXOur current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back  to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXXXXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XXXX/XXXX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX XXXX last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: MS
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:
In the middle of XX/XX/2019 I heard an ad on the television about boosting my credit score for free. I visited the website that redirected me to Experian. After finding out Experian required an expensive monthly subscription to boost my score I declined to pay for the subscription. Around the end of XX/XX/2019, I applied online for a home mortgage application with XXXX XXXX. On XX/XX/2019, Experian sent me an email stating a delinquent account had been reported to creditors and my credit score had been reduced by 83 points as a result. On XX/XX/2019, I opened a dispute about the derogatory credit entry with Experian. In the dispute I explained that XXXX XXXX actually owed me {$290.00}. XXXX XXXX had made a $ 1200+ billing mistake that they notified me about and assured me that since it was their mistake that I would not be responsible for the amount. On XX/XX/2019, the dispute with Experian was completed and Experian advised the negative credit entry will remain on my credit. All the time, constantly sending me emails offering their credit services.

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 2018-10-19
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/2018, I received a summons from XXXX XXXX law firm regarding a XXXX XXXX credit card business account that had been closed with a remaining bance of {$2200.00}. I called the law firm on XX/XX/2018 and made a settlement agreement to pay {$700.00} in exchange for XXXX XXXX reporting the account with a {$0.00} balance. The call was legally recorded for sufficient evidence. I paid the {$700.00} in XX/XX/2018 and received paperwork from the firm stating the settlement was paid in full. XXXX XXXX changed the balance from {$2200.00} to {$1500.00}. The agreement was for a {$0.00} balance. I called XXXX XXXX and disputed the with all three credit bureaus without any success at almost 60 days beyond the satisfied agreement. I will upload documents and recorded call if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
CapitalOne is blocking me from linking my account to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I paid a debt in full, the amount of {$280.00} that I owed XXXX XXXX XXXX college over the phone. They told me my balance was paid in full and I was all set. I was not informed this bill had been sent to collections, I paid the college directly. XX/XX/2019 a collections was reported on my credit report with ConServe debt collections l with a balance of XXXX reported from XXXX XXXX XXXX on XX/XX/2019. I disputed this, as I had paid the balance with the college in XXXX. The college informed me in XXXX when I inquired about the collections. that they had sent it to ConServe, but would report that I had indeed paid the debt in full. ConsServe debt collections is now reporting that I owe XXXX dollars in collection fees. I have attached my payment and receipt history with XXXXXXXX XXXX XXXXXXXX college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: MRS BPO, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attn : yopuI have a XXXX XXXX bill that I have been trying to dsipute for the last 3 years. The credit bureau are saying the info from XXXX is accurate and updated. The bill does not belong to me whatsoever. Please address the matter with the reporting agency XXXX, XXXX  and XXXX. They are making it so difficult for me to move along with this debt. That does not belong to me. I just recieved dispute letter back from XXXX XX/XX/2018 It states the account has been verfiered as accurate.Outcome ) Updated??

Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too 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 2019-09-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-30
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to this company for over 5 years to get this matter resolved and removed from my credit report because this account is not mines. They have failed to show me proof that this account is mines. The information they shared does not match my health insurance company. My insurance doesnt have any knowledge for this account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BARCLAYS BANK DELAWARE
State: NM
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is an addendum to CFPB complaint # XXXX. The Merchant, XXXX XXXX XXXX has acknowledged receipt of cardholder 's direct payment via postal money order to settle the disputed {$750.00} credit card charge. See attached email. However, Barclays bank refuses to cancel the {$750.00} credit card charge. Therefore the Merchant received {$1500.00} instead of {$750.00} which constitutes a double payment.

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 2020-01-11
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:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
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:
Hi, On XX/XX/XXXX, a XXXX  store decievingly tried to sign me up for a branded credit card. That performed a hard check on my credit file that instantly lowered my score with all bureaus. I immediately contacted XXXX  and they admited to the wrongdoing, removed the hard check and and notified all bureaus. Following this, XXXX ( and I believe XXXX   too ) removed the entry some three months later. To this date, Transunion has not and on the call I had with them on Fri, XX/XX/XXXX, they lied that they can't remove the entry as they were not notified. I know that is false, as the other credit score companies already removed the false credit check. 

Transunion now wants me to obtain a letter from XXXX and send that to them as proof. I consider this request onerous and unecessarily complicated. 
I believe Transunion is affecting my credit worthiness with complicity and should compensate me for wrongly affecting my score for more than half a year. 

thank you for your help! 
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 2021-11-30
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My boyfriend was laid off due to COVID in XXXX of XXXX. He had been helping me pay my bills including my mortgage. Thus, I was unable to keep up the mortgage payments. I am on SSDI and thats the only money I receive. My mortgage was $ XXXX and I only get $ XXXX. I had had a private disability insurance that ended in XXXX of XXXX. That would normally help to pay my mortgage. But, without my boyfriends help, things went downhill fast! And I had to pay for his bills as well, because he didnt get his unemployment money until XXXX of XXXX and he promptly left me and gave me no money! 
I qualified for a forbearance program, which I had for 18 months. 
I also applied for the loan modification program, starting in XXXX or XXXX of this year. That was such a stressful time! I sent all the required paperwork in. They told me many times that they didnt have it all! Then I would speak with several people who told me they had all the paperwork ( which I knew I had sent! ). 
They had me in tears many times! I FINALLY spoke with someone named XXXX on XX/XX/XXXX and she said my application was complete- it just took a couple of months! ( Which to me was ridiculous and depressing! ). 
In a letter dated XXXX XX/XX/XXXX, I was approved for the trial plan of the modification. I was able to pay the XX/XX/XXXX payment with my sisters help. 
In the meantime, as a retired, XXXX XXXX, I applied for a grant with XXXX XXXX  and I was approved! I received a check made out to Flagstar for 6 months of mortgage payments! I was so excited that I would be able to pay them that money! 
Then, when I spoke with XXXX, employee number XXXX on XX/XX/XXXX, he informed me I couldnt use the check for my trial period! If my sister can help with my trial period, why cant XXXX XXXX? He said he would check with underwriting and call me on Monday, which of course, did not happen! 
I called them and spoke with XXXX who informed me they absolutely would not take the money from XXXX XXXX for XXXX and XX/XX/XXXX! I just dont understand why they wouldnt accept the money ( when do banks EVER do that?! 
I read your article from XXXX of XXXX about some of these very subjects! So theyre either at it again or never stopped even after the reparations they had to make! 
Thank you so very much for your consideration in this matter!

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 2018-10-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/2018 XXXX XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is no way to withdraw money from Paypal without paying them a fee or giving them your bank 's login credentials as a ransom. This is not something they warn you about until they have your money hostage. 

Previously, you could link a bank account to your Paypal account using the ABA routing and account numbers. That option still appears on their website but it is disabled. I have tried to use it with three different checking accounts many times over the past several months. It never works. 

The only way to link a bank account to transfer money to is by giving Paypal the login credentials to your bank. Doing so would of course give Paypal access to all sorts of information associated with that account, something else they fail to disclose. 

Trying to link from my bank account to Paypal is blocked by Paypal. My bank was able to make the usual two test deposits but an attempt to move money from Paypal to my bank was blocked by Paypal. 

Paypal is holding money hostage to get people to give up the login credentials to their other accounts. If you refuse, they make you pay a fee. The cheapest way to get money is to pay {$1.00} for a paper check to be mailed, which is ridiculous.

Company response to consumer: Closed with explanation