BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington is falsely claiming that there is a promissory note attached to my loan # XXXX. At Exhibit A I have circled in red where it says, " Deferred balance {$16000.00} ''. {$16000.00} is the amount Carrington falsely claims I owe it via a promissory note. There is no mention of a promissory note in my Deed of Trust for my loan # XXXX. 

A while back Carrington told me in a letter I needed to sign some papers having to do with my loan # XXXX. I told Carrington I would not sign the papers. Carrington then told me that if I did not sign the papers, it would foreclose on me. 

Exhibit B is a letter dated XX/XX/2022. This is the letter I am talking about. By signing the paper I would have acknowledged that I had a {$16000.00} promissory note attached to my loan # XXXX. On XX/XX/2022 Carrington foreclosed on me without legal reason. I had to pay over {$6000.00} to get my foreclosure rescinded. Exhibit C is a copy of my recission order dated XX/XX/2022. Throughout all the above, Carrington has not yet showed me a legally signed {$16000.00} promissory note I have with it concerning my loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter because there are accounts being reported that's not minesXXXX XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have
no acknowledge of this account XXXX XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had made a payment on XX/XX/XXXX, I had remaining credit on XX/XX/XXXX and used my last {$57.00} remaining from {$2500.00} limit, so I decided to pay it all off, ( on XX/XX/XXXX ) I paid the present balance of {$2400.00} and after logging in on the next day, after paying off my whole credit card!! They added another {$100.00} out of nowhere! With no proof where it came from!!! Im not okay with that. I already paid my interest fees for this month of {$34.00}, there should be no reason for another invisible amount after I just paid off my card!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In early XX/XX/2018, I received a letter from Wells Fargo informing me that my local branch was closing and that I would have to clear out my safe deposit box. On XX/XX/XXXX, I was charged XXXX for an annual fee for the deposit box. The branch closed in XXXX. I was never refunded for the service charge for a safe deposit box that I could not access. On XX/XX/XXXX I called and after 45 minutes received a credit for the service charge for the deposit box. On XX/XX/XXXX, Wells Fargo rescinded that credit without explanation and debited my account without authorization. They have charged me for a service I never received and wasted my time by forcing me to endure hours on the phone only to reach resolution and have it taken away. I had to call again on XX/XX/XXXX only to have the same treatment.

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 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, I noticed that I had a credit balance of {$.00} on my Bank of America Visa account while using the BOA mobile app on my XXXX. This credit card account as well as another BOA credit card are linked to my checking and savings at BOA. Using the app, I transferred the {$.00} credit balance to my checking account. In the past, I have done this type of transaction in the reverse, i.e. I would pay a credit card balance in full by transferring monies from my checking account to the cc account using this mobile app. Yet, on this day, I was hit with a {$10.00} cash advance fee for transferring the {$.00}. With interest added, it has now reached {$14.00} and despite my dispute letter to BOA asking them NOT to report this to the consumer reporting agencies, BOA has reported this negative information resulting in a lowering of my credit score. If I had no known that I would be charged {$10.00} to obtain {$.00}, I would not have done it. No reasonable person would pay {$10.00} to get {$.00} back! OnXX/XX/2018, I wrote BOA a letter disputing the charge and interest, but they have not issued any letter or email resolving the dispute. Since BOA is the creator of the mobile banking app used by millions of customers, the failure of the app to warn me that I would incur a {$10.00} fee should be held against them.

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 2018-07-18
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank is charging me a {$36.00} over draft fee dated XX/XX/2018 where as I had opted-out for them to reject all charges if there is NOT sufficient fees to cover the charges weather they were NON-occuring or non re-occuring ... I had told them to opt me out and complete reject all.

I have this RIGHT as a consumer ..per federal law so banks do NOT prey on me and continue to charge these BOGUS fees..

I had made it very clear ALL transactions to be rejected if there is no fee to cover them and I had made very clear I want to be OPTED-OUT and not in ...

I have called the bank and they tell me they see the opt-out for atm transactions but do NOT see opt-out for the check or re-occuring transactions ( CHA 's ) which is completley bogus ... .I want opt-out of all ...

why will any one opt out of atm transaction fees which is the most convinient for the consumer ... yet opt-in for the check or CHA transactions????

I want to be fully opted out for all and I want the {$36.00} revesred as I do NOT have to pay for the banks mistakes!

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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted Trans union customer service on XX/XX/2018 after looking over my credit report and noticed that there where several inquires that I had not recognized nor given permission to inquiry about my credit report.

After explaining to two different customer services representatives that there where multiple discrepancies they refused to be at any assistance and refused to remove the inquires and stated that they do not hurt your credit score.

The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   As well as multiple promotional inquires that I had never given permission to inquire of my creditXXXX 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 2020-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : XXXX XXXX XXXX I have been working with HSBC Bank and their third party mortgage servicer, XXXX. I requested a Mortgage Modification when coming off a period of unemployment to remove my former Wifes name form the mortgage and was directed to apply for an Assumption and at one point was told by a Loss Mitigation Customer Service representative that I needed to go through the Assumption before the Modification. I submitted my Assumption package and  Quitclaim in XX/XX/2020 with a check made out to HSBC in the amount of {$2900.00}. At the beginning of XXXX, I was called by a XXXX representative and advised that the Assumption was not assumable and I would be receiving a check. I received a letter dated XX/XX/2020 stating the same with no check and no reference to a check. I sent an email to HSBC /  XXXX as directed on XX/XX/XXXX and XX/XX/XXXX asking for an update on my refund. I also called HSBC Loss mitigation ( Dovenmuehle ) on XX/XX/XXXX and XX/XX/XXXX. I was told I could not speak to anyone in the Assumption area ( I had asked for a supervisor ) and was directed to send another email. Dealing with HSBC / XXXX has been horrendous. It is well over 30 days and I am requesting your assistance with my refund. 
I have enclosed a copy of the HSBC Letter directing me to apply for an assumption, a copy of the cancelled check made out to HSBC as well as copied of my email communications.

Any assistance you can provide would be greatly appreciated.  Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 2018-08-13
Company: Cascade Collections, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
this debt is over 9 years old and is listed as closed on XXXX and XXXX  the dates are changed and has been removed from all 3 reporting agencies at least 3 times over the last 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.

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 2021-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The Attachments are pertaining to EQUIFAX 's Business Risk Grade Service only. 
This is not about a Business Credit Report Correction. All 4 Business Credit Reports that Equifax Commercial has mailed us in the past year agree with My Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA having a perfect Business Credit. 

However, in the past year, Equifax Solutions we have found out from XXXX has repeatedly reported my Bushiness ' Risk Rating as a D. Even with the perfect Credit reports that they do have. 
Further, when we have investigated this Matter over and over with Equifax and even with a Complaint to the XXXX XXXX XXXX, Equifax did NOT ADDRESS our CONCERN about our RISK GRADE WHICH HAS NOW BEEN REPORTED BY EQUIFAX FOR ALMOST A YEAR AT XXXX. This is Unfortunate. I hope that Equifax will ASK XXXX to assist. And that together, they will properly review and Correct My Company, XXXX XXXX Risk Grade from the INVALID AND DEROGATORY D RISK TO THE A/B CREDIT RISK GRADE THAT WE BOTH HAVE AND DESERVE TO BE CONSIDERED BY LENDERS, Rather than Excluded because of Equifax 's FAKE, FALSE AND SLANDEROUS D RISK THAT THEY HAVE BEEN PERPETUALLY REPORTING FOR ALMOST A YEAR DESPITE OUR REQUESTS FOR HELP FROM EQUIFAX and XXXX TO RESOLVE. That they choose to Ignore dispute our protest and our Dispute. They just blame each other. PLEASE see all of our Attachments, Proof and Etc involving Equifax, our DISPUTED D RISK RATING ( NOT A DISPUTE BUS CREDIT REPORT- A RISK RATING, THE EQUIFAX KNOWS WHAT THEY OFFER Correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Southwest Credit Systems, L.P.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Turned off XXXX cable/wifi internet XXXX XXXX by physically going into the XXXX XXXX va XXXX XXXX spoke to the worker and turned in a XXXX XXXXXXXX and a XXXX XXXX package in a big cardboard box. Approximately a week later an XXXX worker came to the pole at my home and inserted a lock/filter at the cable line. Started receiving bills in XXXX, XXXX for XXXX called them to fix the issue which they did and now im being mailed a collection bill from southwest credit systems to recover XXXX for cable /wifi i did not receive and had disconnected XXXX XXXX is a cancellation email that they even went so far as to back date it to XXXX XXXX and this email was sent on XXXX XXXXSo while the local store cancelled it and came out and turned it off at the pole and receieved there equipment they did not communicate it with there head corporation is what I was told and that I should have called in to there XXXX number to cancel so they try to retain me for a cheaper price and I have confirmed this is a tactic they use from a former employee who does this very job at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: C/C Financial
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting informatior you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know. 

XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.

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 2021-02-10
Company: Mountain Run Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
For the past six months mountain run solutions L has been harassing me, my place of employment, wife, church, mother n law, before XXXX XXXX and sometimes after XXXX XXXX. I've asked them to stop. they pay me no mind and keep doing the same thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation