BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I was on the telephone regarding a refund on an item I never received. I noticed at the top of my telephone, many numbers and began to feel uncomfortable with the line of question the person was asking so I promptly hung up. I then went about my daily checklist on my phone and opened the Bank of America XXXX and to my horror {$1.00}, XXXX had been taken out of my checking account by an unknown person to me by a XXXX transaction to XXXX Conf. # XXXX. I called and spoke to a Bank of America customer service person and a claim for scam was filed. I called again to get a progress report and that I would be notified. During a conversation with the representative, I realized that it should have been a Fraud report as I had not authorized the transaction. I explained that it was all the money that I had and had been scrimping to save it as I wanted to go home to be near my children and grandchildren as I am elderly and XXXX and live all alone with no support or help in an emergency. The following day, an additional {$310.00} was taken out again using an ATM again by someone unknown to me. I was given a temporary credit and apparently the person was located because this amount became permanent. 
I contacted Bank of America again on XX/XX/XXXX only to be told that they could not find any fraud complaint on my behalf. I then filed another fraud complaint on the XXXX of XXXX with XXXX representatives, XXXX from Texas and the other from Maryland. 
On XX/XX/2021, Once again I called and once again I had to file another fraud complaint as the one filed on the XXXX on the month of XXXX also could not be found. 
This new fraud complaint is # XXXX. That was the last time that I contacted Bank of America as this has all affected my health very, very badly. I need help, someone to speak and fight this on my behalf. I will be XXXX years old in two months and have very serious health issues. I feel as the bank is protecting the bank and what may seem a small amount of money is my entire savings and ultimately my way of going back home. Without this money, I am lost and will have to remain living alone and in misery. 
Please know that I appreciate anything that you can do to help me. My daughter in law had the exact thing happen to her and she too was with Bank of America but you managed to get her money back for her. This is why I am turning to you. I am just too tired and too sick to fight anymore. 
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 monetary relief
Consumer complaint received 2018-02-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Merchants and Medical ( also known as XXXX XXXX XXXX ) three letters regarding a balance they say I owed. The account number in question is XXXX Reference number XXXX. I do not recall this debt with Merchants and Medical ( also known as XXXX XXXX XXXX ). 

I am requesting a re-investigation. In addition to validation, I am disputing the balance listed as an amount owed, AND THE DATE OPENED FOR THIS ACCOUNT. The request for validation stated to provide a copy of a SIGNED contract bearing signature indicating that I have ever had any OBLIGATION to pay MERCHANTS & MEDICAL ( XXXX XXXX XXXX ). As stated before, a BILLING STATEMENT DOES NOT VALIDATE this debt. Based upon your abusive practices of PROHIBITED CONDUCT, you are seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract. The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874,  codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices. 

The Consumer Credit Protection Act, as Title VIII of that Act statute states purposes are to : eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. 
Per the FCRA 15 U.S. Code 1692g - Validation of debts- this debt is deemed not validated and is UNJUSTLY REPORTING to the credit reporting agencies. Per the Fair Credit Report Act ( Inaccuracies in consumers report ), you are required to delete this debt from all three credit reporting agencies immediately. 
Once again, failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : DISCRIMINATION Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Hillcrest Credit ANG regarding this matter. This agency has made false report on my credit and also continues to make harassing phone calls all day long. I have informed this debt is not mine and they have made zero attempt to do an investigation. I have never been a patient of XXXX XXXX XXXX. I have Health insurance that i would use for doctors visits IF I needed to go!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Person was selling XXXX Tickets on XXXX 'XXXX  XXXX We reached a price for 4 tickets to XXXX Game on XX/XX/18, the plan was to transfer tickets using XXXX Ticket Transfer on-line tool. Seller suggested we use XXXX to make payment since XXXX transfer fees were really expensive. Seller gave me his XXXX e-mail XXXX and i transferred {$400.00} from my XXXX XXXX account, that was linked with XXXX. Seller used cell phone number to send and receive text messages, seller cell number is XXXX I called XXXX and learned that the order number was fraudulent and there was no way to track who this person is. I also called XXXX XXXX and submitted on line fraud claim. Claim Number XXXX, phone number for XXXX XXXXe On-line Fraud is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I hired a contractor to remodel my home, filled out a contract and initiated the work with handing him a check in the amount of {$20000.00} on XX/XX/XXXX. The check was then cashed by Bank of America and was never endorsed by the recipient on XX/XX/XXXX. This was done unbeknownst to myself. The next check given in the amount of {$10000.00} was given to this contractor on XX/XX/XXXX and cashed by the bank, again without endorsement on XX/XX/XXXX. I am asking that the bank responsible for this be responsible for my money -- as I have been left homeless and without a penny, since this contractor cashed the checks and disappeared. This case has been handled by the county, city police and so on and I am asking that you too take action and claim responsibility for this bank 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 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The information that is listed on the account isnt correct nor has it been proved to be correct when asked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/2021, the attached letter was sent to TransUnion. The letter indicates a dispute which has since been resolved with the original creditor and a request for a freeze. On XX/XX/2021, an inquiry appeared on my TransUnion report despite my request for a freeze and sufficient verification. TransUnion has violated FCRA by not honoring my freeze request when XXXX  and XXXX did.

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: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage has yet to say why on the day of the California All Purpose Document for Corrections & Power Attorney to why it was presented before me and all the other documents I sign with and by my signature was presented. At the time there should not have been no Notary signing for me or making financial arrangements and making choices on there behalf. It is real strange that it was sign and Notarize by the same person but stated I personally appeared in which I did not. Wells Fargo home Mortgage committed fraud and has yet to justify the document in any truth nothing but deception on there part. 
I'm tired of the games and run around by Wells Fargo to this matter at hand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Contact with XXXX and Ocwen and Prior home owner. Paid over 30,000.00 into home tried continiously to contact for information and payments no call back and would not connect me to agent. I finally got through right before they noticed of foreclosure stated there was a bankruptcy, there was not! Tried assumming loan they said to late this was before foreclosure. Called constantly and passed back and forth between XXXX and ocwen then directed to XXXX no listing ... Received harrassment XXXX XXXX to vacate my money is gone me and my childrens things are in our home. Prior owner came and his family becoming violent and destructive to property. I have my agreement signed I have tried even to just forget the previous XXXX as a loss to not have to loose the home for my family previous owners no longer wanted and scammed along with the banks to take our money. As a single mom I have little and losing more is devasting and then through in the abuse to me and my children. What bank does not want money? Its odd to me that I can not even refinance with the bank since the for sale ny owner was a scam. Did they scam me too? No one will answer, I have emailed, called and still no one has an answer .... homeless with a home ... how is this possible?

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 2021-02-23
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
Back in XXXX I disputed an account with Transworld Systems Inc. They did not respond to that letter. They are reporting on my credit, I believe it is my right to request information. They have since added another account to my credit for seemingly no reason at all. They have never sent me any information at all, ever. This is extremely disturbing. PLEASE HELP ME! THEY SHOULD NOT BE ALLOWED TO JUST REPORT INFORMATION ABOUT SOMEONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I just received my Pandemic Unemployment Assistance on my Paypal card direct deposited a few days ago. Then all of a sudden today they froze my account and limited it after I had tried transfering money to my other card for bills. I have messaged them about 10 times to only be told that I needed to wait for a specialist to help me. I've uploaded receipts, my I'd, I've explained to them it was my unemployment and still have gotten no response and now I have no bill money cause they won't let me use my unployment money in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is an collection agency call convergent outsourcing that has placed a debt in the amount of {$210.00} on my credit report for XXXX, XXXX and XXXX XXXX. It was placed on my credit report in 2019. I have reached out one time to inform them that they should not be on my credit report that bill that they placed on my account is from XXXX. That bill had been taken care of already I have the confirmation number. also, the amount that the bill worth was {$110.00} so Im really unsure as to why they were trying to get {$210.00}? Just that alone shouldve been removed from my credit report because they were reporting an illegal amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Supreme Lending
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have initiated the Refinancing process on XX/XX/2021 with Everett Financial Inc. DBA Supreme Lending. 
The initial Loan Estimate doc where the Interest Rate was 2.75 % ( 30 year fixed ) After five months, they have sent another Loan Estimate doc where the interest rate was changed to 3.25 % ( 30 year fixed ) and the estimated closing costs were {$21000.00} After another two weeks, they have sent another doc, Closing Disclosure where the interest rate was 3.25 % ( 30 year fixed ) but the closing costs were bumped to {$25000.00}, an increase of {$4400.00}.

On the attached docs, one can see the discrepancies between the second Loan Estimate document and the Closing Disclosure document : 1-the origination fee was changed from 0.873 % to 1.027 % 2-the appraisal fee was changed from {$960.00} to {$1400.00} ... a {$450.00} increase Besides the fact that this was dragging for seven months, without any clear communications, the final disclosures showed that this Brokerage firm is taking advantage of its customers ... a predatory, aggressive approach.

Not sure how these guys are even licensed to run such a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a response letter written by your company, on your letter head, you documented under the section labeled " Late Fees '' : " The {$1000.00} was waived on XX/XX/2018 and is visible on the enclosed Monthly Mortgage Statement dated XX/XX/2018. 
As of the date of this letter, ( dated XX/XX/2018 ) the account is due for XX/XX/2018. '' I anticipated all corrections to be shown on the XXXX bill ... paying the requested amount at the end of XXXX and at the end of XXXX, which was documented and received by Select Portfolio Servicing , inc . 
But as I waited for the XXXX bill ; upon arrival, it shows not the approximation of 1 month past due per the attached documented amount. 
If as of the XXXX letter from you to me I was 1 month past due, ( owing for XX/XX/XXXX ) how is it that as of the XXXX bill, there is a reflection of " Past Due Payments '' in the amount of {$1900.00}? That amount is over 2 Payments! 
This bill therefore reflects a total due of over 3 payments. 
The online payment screen shows no correction in monthly payments and reflects a monthly payment due of {$980.00} instead of {$940.00}, per your documented XXXX XXXX correction letter. 
In all of this, I have STILL NOT MISSED A PAYMENT. Your records reflect a payment made each and every month. Why is there a " Unpaid Late Fee Charge '' of {$93.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
There is an unauthorized inquiry on my credit report from American Express on or around XX/XX/2019. I did not give American Express permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: WA
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 {$1200.00}, {$0.00}, {$240.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called Med Data Sys on XX/XX/15 to pay a balance they claimed I owe. I requested that the debt be deleted from my report once paid, the agent I spoke to XXXX ( ph XXXX x XXXX ) and she advised that they would delete it from my file. I paid the outstanding balance in full of nearly {$4000.00}. I called back to confirm that this had been requested and was advised that " they do not do that. '' I asked if calls were recorded, I was advised they were. I asked if the call could be pulled. XXXX ( ph XXXX x XXXX ) advised they are not doing that. 
I was mislead and lied to.

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 2021-05-06
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX initiated a securities instrument under the guise of XXXX XXXX XXXX XXXX as a corporation organized, and existing under the laws of New York. XXXX  was never a registered XXXX or XXXX in NY XXXX at the time of issuance. T he Assignment of Mortgage XXXX XXXX XXXX XXXXXXXX XXXX, successor by merger to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When XXXX was assigned this note on XX/XX/XXXX they went into the NY XXXX Division to register XXXX  on XX/XX/XXXX fulfilling the deception that XXXX admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " XXXX XXXX ''. The Note and Mortgage are void because the alleged XXXX XXXX XXXX XXXX XXXX stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either XXXX XXXX XXXX, or XXXX or any of their related corporate entities or agents. XXXX XXXX XXXX XXXX, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by XXXX XXXX XXXX XXXX or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS ), as nominee for XXXX XXXX XXXX XXXX had no Authority to assign the ownership interest of said mortgage because MERS was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX XXXX, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.

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