BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SOURCE RECEIVABLES MANAGEMENT has violatedmy consumer rights pursuant to the Fair debt collection practices act, fair credit reporting act and more. They are stating I owe an alleged debt, understand I do not owe any allege debts. My identity has been stolen by SOURCE RECEIVABLES MANAGEMENT, this is identity theft because they have my private person information without consent. I do not have any contract with SOURCE RECEIVABLES MANAGEMENT and they are attempting to coerce me the consumer, defined in 15 usc 1692a ( 3 ), to pay an alleged debt not owed. I have sent SOURCE RECEIVABLES MANAGEMENT a cease and desist, identity theft report, and enforcement action with affidavits all certified mail/return receipt XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX of 2019, after XXXX advised me of a potential mortgage shortage. I notified them of my tax exemption for being a 100 % XXXX veteran residing in the state of XXXX. 

They have yet to successfully submit the proper documentation to the city of XXXX, I have been flooded with misinformation repeatedly, as I am over three dozen calls into the company and I provided all required documentation to them. 

XXXX has to facilitate the return on nearly {$10000.00} in overpaid taxes in to me. Yet they have failed to do so. My last earnest request was to revived a copy of the paperwork that they sent to the city of XXXX, that was two weeks and 5 phones ago. They have yet to provide it, mind you it is as easy as CCing me on the email. One rep stated that they would, then failed to do so. 

Lastly, I was advised by a rep to go into forbearance as I await the return of the fund, ( early XXXX ). In subsequent calls I was then provided with misinformation and inconsistent information as to whether they could or couldnt run a new escrow analysis while I was in forbearance. I was told by one rep that that was a good course of action, then in subsequent call, its not acceptable and its against their policy to perform the analysis. I am XXXX into the forbearance, OWED to them, with an incorrect escrow amount ( which makes the payments higher ) and another XXXX owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for payment assistance with Wells Fargo and was accepted until XXXX XXXX. The agreement was to pay $ 25 monthly until I was able to pay. In XXXX XXXX I found employment in XXXX, WA. I contacted my payment assistant representative and informed her of such, and that I would be putting my home in XXXX XXXX MO on the market. There was a contract on the house and I accepted it. On XXXX/XXXX/XXXX I received a disclosure for the closing on the home, Wells Fargo added an additional XXXX to my loan amount and when I called the representative stated that it was for foreclosure proceedings. I completely complied with the payment agreement, I was not aware that my home was in foreclosure and set to sell on XXXX/XXXX/XXXX. When I informed the representative that I had sold the house she told me to not send any more payments and the proceeds of the sale would be applied to the home. I am furious and I feel that Wells Fargo has been fraudulent.

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 2018-08-30
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried disputing with the bureau on several occasions since the account showed up on my report in 2017. I have spoke to representatives who where very rude and would not help me. They only offered to keep disputing the information. Sometimes the conversations would not even go that far. This is not my account as i have mentioned before. I filed a police report ( XXXX ) and submitted to the company. This account being on my credit report is causing me to not be able to obtain credit due to its negative status. I have tried and proved everything on my part and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: LDF Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In early XX/XX/XXXX I was desperate for money and had received calls from a Amplify funding As I already sold my home and was merely waiting to close the loan I asked to borrow XXXX $ I never was sent the loan documents but assumed how bad could it be, well 6 months after acquiring the loan I realized that they were taking XXXX $ out twice a month I decided to call and ask my balance .I was then informed that I still owed XXXX more payments of XXXX $ bi monthly. 
I then asked what could I go as to date I had already paid twice back what I borrowed I was then informed that if I refinanced the loan the payments I made would be eliminated and I would start off with the original XXXX $ I borrowed I asked how about the XXXX $ I already paid and the answer was silence. 
I know I borrowed the money but as I have already paid back double what I borrowed I believe I have paid enough It is gouging older people on limited incomes and I can not continue to have XXXX $ taken out my limited income every month I was stupid to not get this totally clear Your help would certainly be appreciated Thank You, XXXX XXXX Last four of SS is XXXX Date of Birth XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Credit One LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT ONE LLC is in violation of the FDCPA and the FCRA. I will litigate CREDIT ONE LLC promptly if they do not remove the false account. I never had any contract with CREDIT ONE LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NC
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:
I just check my credit report and notice that I have and account that have been closed for over two years but that just marked a late payment this year in 2020.

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 2020-09-16
Company: USI Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX XXXX credit card account, originally at XXXX XXXX XXXX, had missing statements ; address was being changed without notifying me, the cardholder. Amazing amounts of charges appeared & my requests for information as to what/when purchases were made, etc., were ignored. I ordered the account closed in XXXX & about $ XXXX in new charges suddenly appeared. Several monthly statements were still missing & I kept paying for the items I knew about, based on my records at that time. The bank & the account were bought by XXXX and the problem continued. There were several harassing phone calls each day, but I finally finished paying what I had owed, in XXXX. XXXX still refused to let me see what the fraudulent charges were for, and tried to sue me, until the alleged debt case was dismissed in XXXX Civil Court in XXXX. Several times since, different people have contacted me to claim I somehow owed them $ XXXX for this long-closed account. Now this XXXX Solutions company keeps having collectors try to intimidate me into paying what I can not owe. The XXXX demand form letter was delivered to an address I have never been associated with, and was recently forwarded to me by a concerned resident from the location it was delivered to. This looks like a criminal action on XXXX 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: FL
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:   EXPERIAN The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.

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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with Bank of America. In XX/XX/2020, Bank of America commissioned an appraisal of my home as a condition of granting the mortgage and the value of my home in that appraisal was {$260000.00}. On XX/XX/2020 Bank of America posted 2 payments which reduced my loan balance from {$220000.00} to {$34000.00}. The payments and new balance vs. the XX/XX/2020 appraisal meant that I had approximately 87 % equity in my home. 

Despite that, Bank of America still charged me {$50.00} for PMI on XX/XX/XXXX and another {$50.00} for PMI on XX/XX/XXXX. I complained to them about continuing to charge PMI to me AFTER they were entitled to do so and their response dated XX/XX/2020 simply said " our records show we received a request to remove PMI on XX/XX/2020. The request was reviewed and the PMI was removed effective XX/XX/2020. '' They concluded " we were unable to backdate the PMI cancellation to XX/XX/2020 as the loan did not meet the requirements for cancellation at that time. '' Who cares about XX/XX/XXXX? The loan was paid down on XX/XX/XXXX, but they proceeded to charge PMI on XX/XX/XXXX and again XX/XX/XXXX. They will not address the XXXX specific charges on XX/XX/XXXX and XX/XX/XXXX. Why are those not being refunded? Why do I have to repeatedly keep asking about this and submitting complaints and writing to them on their website? The equity was at 87 % on XX/XX/XXXX. Why did they keep charging me PMI after that?

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 2021-03-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a complaint against Lakeview Loan Servicing on XX/XX/2021. I just reviewed your status report that stated the matter was closed because the " company responded ''. However, the company has not responded to me nor have you provided anything concerning the matter. Please reinstate this complaint until the company responds to the consumer and satisfies the consumer demands. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22
Company: EQUIFAX, INC.
State: MI
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:
I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TRANSUNION:  XXXX:   XXXX The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.

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 2021-09-22
Company: ThunderRoad Financial, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am applying to refinance my home and have 24 hours to get the required documents to them. ThunderRoad Financial does not send paper statements for offer online statements. I called them to request one and they can't seem to produce one. They keep saying they are requesting it from the accounting department, but nothing has been produced. I am not sure what I am supposed to do to get one. I don't believe they should be able to not supply you with any way to access a statement. No where on their site does it even give you information on how much your balance is on the loan. They only offer a payment portal, absolutely no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is NOT a duplicate complaint. I am STILL sending the company messages and NO ONE is STILL responding to me. As late as LAST week. So no, this is not closed as they are STILL IGNORING me.

Company response to consumer: Closed with explanation