BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please help! We now have a foreclosure date of XX/XX/XXXX!! Carrington Mortgage continues to stonewall even after my CFPB complaint ( XXXX ) filed on XX/XX/XXXX which has not been answered ( attached ). Please consult that complaint for details I will not repeat them here. I STILL have not been assigned a single point of contact which is in violation of both federal and Colorado state laws! What is the consequence, if any, for not assigning a single point of contact? Laws are pointless unless there is an enforceable consequence. If I call Carrington myself all I can reach are an assortment of front line of people who have historically consistently given me misinformation. I have submitted countless loss mitt packages ( relatively recent example attached ). I am seeking a single point of contact and modification of an existing VA loan ; I have a POA to negotiate said loan ( attached ) ; I qualify for over half a mil in a mortgage, see prequal letter attached, we owe just over $ XXXX on this home ; I have a active home owners insurance policy ( attached ). Why can't I get a single point of contact to get this done?!!!! Carrington keeps dragging this out. It has been over a month since my CFPB complaint with no resolution or attempts at same. Please help. This is not rocket science!!! Laws are being broken and a family is continuing to be put through needless emotional hardship by the behavior of Carrington Mortgage following on the behavior and ethics violation by Carrington 's predecessor in servicing this loan, XXXX. Additionally there are rules for servicing of VA loans. See VA servicers loss mitt handbook chaps 5 & 6 attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date of XX/XX/2021 Portifolio Recovery Associates, opened a collection. 
Account # XXXX. Amount owed {$470.00} I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights according to the FCRA as a consumer. I do not have written consent from my end. Also, they have not verified that I owe this debt to this alleged company. PLEASE, have this removed from all three credit bureaus. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: NRA Group, LLC
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: Their investigation did not fix an error on your report

Complaint:
NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ) on XX/XX/2023 I legally requested for this company to verify that a debt that they claim that I owe is 100 % accurate, and i will pay in full. If not 100 % accurate i requested for the debt to be removed and Permanently Deleted from my credit reports if not verified to being 100 % accurate. It is now 5 months later and i am receiving several stall tactics as to why it has not been removed from my credit file. I am demanding that this account be removed immediately as it has not been verified as to being 100 % accurate.

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 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Bank of America. I got a prequalification letter on XX/XX/XXXX. I decided to go with Bank of America because of a grant program they had. I was ultimately denied for the grant because I normally make $ XXXX a year and the grant income limit was $ XXXX a year. I met the $ XXXX income requirement due to COVID my employer reduced our pay by 20 % for 3 months. This was stated on the Verification of Employment they sent to my employer on XX/XX/XXXX. However the underwriter only looked at the current gross pay stated on the form by the employer and not the YTD income or notes. I was denied for the loan XX/XX/XXXX due to not having enough of a down payment due to COVID they require a 15 % down payment. On XX/XX/XXXX, Bank of America charged me for an appraisal fee which I was told would be refunded on XX/XX/XXXX when the loan was cancelled. I was told the appraisal didn't happen and they would refund my credit card. The original charge was for {$660.00}. Part of that was a fee for obtaining my credit statement. I think the fee was {$25.00}. I asked for the amount in an email to the lending officer XXXX XXXX on XX/XX/XXXX but have not heard back from her. I was refunded {$200.00} from Bank of America on XXXX. I disputed the charge with my credit card company XXXX on XX/XX/XXXX due to not being able to get a response from Bank of America on the remaining charge and the appraisal not being done. XXXX closed the dispute on XX/XX/XXXX due to insufficient evidence. I was never given a receipt for this appraisal fee or credit fee. I called XXXX and Bank of America today XX/XX/XXXX to continue to try to get this resolved. I left a voicemail for XXXX XXXX since no one else at Bank of America will talk to me when I can't get a hold of her. XXXX said they will have their dispute department call me. I wanted to submit the complaint because this whole thing has been troublesome. I'm not sure how long it usually takes for a loan to be processed/reviewed but I think there should be more work done up front to make the prequalification letter meaningful. Bank of America should have gotten the Verification of Employment from my employer before issuing me a prequalification letter. It took from finding the home on XXXX to XX/XX/XXXX to find out I wasn't actually approved for the 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 monetary relief
Consumer complaint received 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank which claims themselves as Americas most convenient bank is in fact a XXXX company. The company falsely represents itself and has caused me and my company severe damage which can not be repaired. Their use of overdraft charges and lying has caused me great harm. The Company even  went as far as defaming me to a police officer making false accusations. I tried as hard as i could to get my overdraft monies back, but they wont pay, and i ended up taking them to court this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was issued Pandemic unemployment and had my card stolen and taken to an ATM where someone fraudulently pulled out XXXX. I filed a a claim with Bank of America for fraud and identity theft and never got a response. When I would call to follow up on it, they told me it was Arizona Unemployment problem and to call them. This was in XXXX 2020 I finally gave up but am still wanting the XXXX back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, I submitted a complaint to you, the CFPB, regarding the debt collecting company named XXXX XXXX, they replied saying that they follow all legal rules regarding credit reporting however that is a false statement. XXXX XXXX, continues to report a 13 year old debt without providing any evidence that the debt has ever become due. The original creditor, XXXX XXXX XXXX, only has the original note dates XX/XX/XXXX ( 13 years ago ). XXXX XXXX XXXX does not have any ledger showing when and if this account became due. No documents to show the first day it was late. When I questioned XXXX XXXX, I was told that they have a date of XXXX however, they do not have any documentation provided that date. The only documents that XXXX XXXX has been able to provide me is the note dated the year XXXX ( 13 years old ). When I question XXXX XXXX, they simply say that I have to pay them or they will continue to report it to the credit agencies until I pay it. 

At this point I feel that XXXX XXXX, is extorting me by continuing to illegally report a debt without proper proof of validation. 

Experian is the only credit company who has chosen to continue to report this 13 year old debt, without asking XXXX XXXX for any documented proof of what they are reporting. 

This unfair credit reporting is not allowing me to obtain new credit and or employment causing me financial stress. XXXX XXXX needs to be reprimanded for extortion as they continue to tell me that if I don't pay it ( even though it has past the 7 years ) they will continue to report it.

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 2020-09-04
Company: WELLS FARGO & COMPANY
State: MI
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:
XX/XX/XXXX : Open new revolving account with XXXX XXXX. Wells Fargo is the holder of the account. XX/XX/XXXX : XXXX payment to Wells Fargo/XXXX XXXX is returned. Charged {$27.00} Fee for 'returned payment '. This was not effectively communicated by Wells Fargo. XX/XX/XXXX : Payment made on XX/XX/XXXX, for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX Decmeber XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : No payment due XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX. Laid off due to COVID19 XX/XX/XXXX : Payment MISSED due for XX/XX/XXXX. XX/XX/XXXX : Entered forbearance on XX/XX/XXXX. XXXX payment was TWENTY THREE DAYS LATE. When I called to catch up my XXXX payment I was told that was unnecessary as I could pay it at the end of my forbearance. XX/XX/XXXX : XX/XX/XXXX, my accounts with Wells Fargo are closed due to non payment. They report my accounts as past due. 
XX/XX/XXXX : I call and cancel my forbearance, and pay my account to current and ask why my account was closed. I was told my account was closed due to non payment. XX/XX/XXXX : I file complaints with CFPB, and three major credit bureaus. 
Credit Bureaus say they're reporting what Wells Fargo is reporting. Wells Fargo doesn't respond. XX/XX/XXXX : I receive response from Wells Fargo reporting that they made an error in closing my accounts and have corrected it at the credit bureaus. Wells Fargo says they wont correct their mistake in reporting thirty day late notice to three bureaus as they feel strongly that their system is accurate. While I agree their system is accurate -- it doesn't match reality. I had an returned payment in XXXX that Wells Fargo didn't alert me to, or charge me a late fee for. Wells Fargo was only interested in collecting late fees from me versus alerting me that my account was consistently fifteen - twenty days late. Wells Fargo states they reached out to me but can not verify a single time between XXXX - XXXX in which they spoke to me about my " late '' payment in XXXX. XX/XX/XXXX : Account REOPENED without my permission, reducing my age of credit lines. Damaging my credit report again. XX/XX/XXXX : Reduced my credit limit to MAXIMUM Utilization. Further damaging my credit report.

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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Federal Law states that Consumer Reporting Agencies have 30 days to investigate Transunion is telling me they need extra time anything pass 30 days is a VIOLATION of my rights!

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 2020-10-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We recently refinanced our home and paid off our HELOC with US bank. Several weeks later we found out that they had made a deposit into that account ( in error ) without our knowledge. Since we used this account only for home improvement draws we would have had no idea that this had happened. That account was paid and closed at end of Refi, they have reopened the account and made it negative XXXX $ to recoup their error money and are now charging us overdraft fees for being in the negative. I couldn't get much of an answer form the local branch other than they expected the balance to be paid in full in 60 days - we don't have this kind of money. When they reached out to tell us about this several weeks ago we had no idea what was going on so they said they would send us all of the documentation to back up their claim - they never did and reopened our account to negative in the meantime. This ( if it's accurate ) could have been easily handled when we did our refinance. This is their error not ours and now we will be facing collections if not paid in 60 days.

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 2020-10-21
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

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 2022-12-20
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX apartments in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/23 I used my cash app that day which I do from time to time but I go to look at it hours later and I can't even login to see anything after a few minutes I was able to login and see a message saying that my account was closed and for no reason what so ever I have been trying to contact them every few hours for the past three days and all I get is the same message saying that it was Escalated and that someone will be getting back to me soon but I have heard nothing from anyone and still do not know why my account was closed I can verify that the account is mine no problem but I still don't know what I did to have it closed

Company response to consumer: Closed with explanation