BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning on XX/XX/XXXX2020 we began the process of refinancing our home to lower our monthly payment. It was supposed to be a simple rate and term refinance. We received conditional approval on XX/XX/XXXX and were given what conditions needed to be met on XX/XX/XXXX. We began working immediately on getting the company the documents they requested but we had several questions about some of the documents being requested, and they told us not to worry about giving them those documents requested. The mortgage company then took 6 weeks to get back to us ( the end of XXXX ) just to tell us never mind we do need the documents that we told you not to worry about after all, as well as requesting several other documents that they had never requested. Within 3 business days I had all requested documents to them. Then we waited another 2 weeks just to be told that they needed even more documents ( due to COVID- I only discovered this after I reached out to a different lender about switching our refinance to them ). Then came time to close we signed the paperwork on XX/XX/XXXX2020 and closed, and the next morning after the closing documents were signed they came back and said we can't secure the financing because you now have 2 car payments. I was told in an email that if we paid off one of the car loans then we could close. So we paid off one of the car loans, and then the mortgage company took too long to process the paperwork and the appraisal on our house was no longer valid. They did not inform us with due time that the old appraisal was expiring nor did they look ahead with fore site to prevent this delay. It is now XX/XX/XXXX20 and the company is continuing to drag their feet on the closing of the refinance of our home. We have met and exceeded their requirements. I have spoken with numerous managers who say they are working on it but nothing is actually being done. I understand that their is high volume but closing on our house should be the easiest thing and they are twiddling their thumbs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a promotional rate and not able to make payments right now due to COVID-19. Discover does not want to defer the XX/XX/2020 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account from a pre-approved letter with BBVA Compass in early 2019. First, it took two months to get the card while they continued to bill me. Then, when trying to pay the bills, it gets really XXXX  up. I mail a check in and it's returned to sender " no known address. '' The will only accept a mobile phone number to make online payments, not a landline, which equates to requiring my cell phone number to do business with them - illegal. I've called in to make payments every month and each time it's a XXXX hold. I'm currently holding for minute 154. Yes, one-hundred-and-fifty-four!!! Been transferred three times to make a payment over the phone as they insist I have to pay online but won't accept my landline, only a cell phone. My cell phone is also pre-paid so it won't work with their system. What the XXXX  is this????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: AR
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:
This is my 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a XXXX XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 INFORMATIVE XX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.

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 2023-07-19
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2022 BSI Financial purchased my mortgage from XXXX XXXX to service my exisiting mortgage payments. 

I have never missed a payment and am set up from my XXXX XXXX  account to auto pay them on the first of the month. 

At some point I started getting a letter from BSI that I was not making my payment when it was clearly leaving my bank and posting on the BSI login page to my account.

They charged me {$25.00} for 6 months stating I had the wrong loan number.

I called them each time I recived the letter and the person on the other line said they recieved my paymnet and not to worry about it.

The next month I would recieve the same letter and make the same call to get the same reaction.

I then spoke with a supervisor and she agreed that they should be there but said she could only waive one {$25.00} fee in which she did I then recently recieved a call from a friend of mine and she explained to me the same senerio that the keep trying to charge her a fee every month.

This company does not respond and continues to steal peoples money. 

Please let me know if I can do anything about this XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX BSI Financial Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well fargo Bank has ended there relationship with me due to security risk and has been harassing me with tons of mail and locking my debit card at least 25 times since Ive been a customer and I havent done anything wrong ... and I was told there are few fraud claims were filed under my name and I told Wells Fargo I never claimed anything fraud and all of my charges are valid ... and they wasted my time and I didnt get any sleep at all and I also missing {$300.00} that was supposed to come into my checking account account ending XXXX  and well fargo blocked it from coming and Im being billed {$300.00} plus a balance transfer fee of {$9.00} from well fargo card services .... I pulled all my money out of Wells Fargo today and Im not longer bank with them every again Im so tired of them calling me and blocking my card and sending me mail Ive been through too much stress I just want them to leave me hell alone,, .... I need my XXXX back or back to my well fargo credit card 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 2020-09-04
Company: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX in XX/XX/XXXX. My loan was sold to Flagstar Bank XX/XX/XXXX. 
There has been a {$50.00} fee added along with my mortgage payment since my account has been with Flagstar. I've been calling both companies since XX/XX/XXXX to have this removed. Flagstar claims the fee came from XXXX and states it is some sort of foreclosure related fee. I didn't have this fee when with XXXX and have never been late on mortgage payments since buying my condominium in XXXX. XXXX claims no knowledge of the fee. 

My suspicion is my account was mixed up with another consumer during the transfer of my mortgage. I haven't paid the fee and am getting nowhere with having this error reversed with either company.

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 2021-01-25
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( ARS LLC ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( ARS LLC ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days 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 collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.

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 2020-09-03
Company: Colony Brands, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never opened an account with this company. I have my ID theft affidavit from the FTC attached to this message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Prior to this dispute I have disputed accounts on my chexsystem report that were fraudulent and unauthorized without my knowledge or consent. I have several security alerts on all 3 of my credit reports with the bureaus due to fraudulent activity, my information being exposed in several data breaches and also on the dark web. Such my social security number, past and current address I resided, employer information, hacked email addresses, passwords to banking information, different spellings of my name was used to create accounts, also a loss drivers license which was replaced on XX/XX/2018 and also other personal information compromised. There are a few bank accounts that were opened in my name. I was not contacted or received any documents of this information listed in the check system. XXXX  XXXX XXXX has reported fraudulent information and has harassed me via phone in reference to collecting moneys not owed. A collection agency has been contacting me via phone as well, stating that they are collecting the unpaid moneys on the behalf of XXXX  XXXX XXXX and this is an attempt to collect a debt and if not paid to them I will be prosecuted. Due to this fraudulent account and reporting to the check system. I am unable to open any accounts with any other banks and the harassment from both companys has impacted my life in a drastic way. I am requesting for XXXX  XXXX XXXX to delete these inaccurate account and all derogatory information from my chex system report. Count your losses, delete this negative inaccurate information and please stop the harassment for legal action is taken. Attached are documents proving my identity was compromised and a identity theft report was also done online.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: LA
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 have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2020, I contacted TD bank to advise them of an issue I was having with XXXX XXXX XXXX. I had been overcharged by XXXX and was due a refund. I initially tried to work the issue out with XXXX and XXXX told me they issued the refund on their end and my bank should have received the funds back. I advised XXXX that my bank had not received the funds back and when I asked for details about the refund it was brought to my attention that XXXX refunded money to a card not associated with me or my rental in any way. I contacted TD and told them about XXXX XXXX error and made a debit card claim. I received a provisional credit and was sent a letter asking me to explain what happened in detail. I responded before the due date with a very detailed explanation of the situation, names of managers who I had spoken with, and also noted in the letter that I still had not received the refund. Towards the end of XXXX, i get a letter in the mail from TD stating no error occurred, this is not a satisfactory ruling. I believe that based on TDs ruling the dispute department did not do their due diligence in investigating my claim. Customer service at XXXX would have been able to provide TD with enough information for them to see my claim was valid. TD dispute department took the maximum amount of time possible to work my claim and then ruled inappropriately and took back the provisional credit which put my account into a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on 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 2019-08-12
Company: EQUIFAX, INC.
State: OH
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:
There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an online purchase with XXXX 's XXXX  on XX/XX/20 in the amount of {$150.00}, order # XXXX. I used my XXXX credit card to make the purchase through XXXX. I was charged {$150.00} two times. Both charges posted to my Barclays card onXX/XX/2020. I received only XXXX order. I tried to contact XXXX 's customer service and was not able to get a response to address the issue. In my frustration, I returned the merchandise. XXXX 's sent me an email that they received my return and issued me a refund of {$150.00} on XX/XX/20. I was still charged the duplicate charge. I tried disputing this with Barclays card as the merchant was not helpful and Barclays responded with a letter stating they could not help me. I tried calling Barclays and was on hold for over an hour when I reached a representative who told me that Barclays accidentally charged it twice and they would be crediting the charge and then the same rep told me that I had to prove I didn't make the second charge. I tried to explain several ways that this was clearly a duplicate charge for which I only placed one authorized charge and was still seeking credit for the second charge. I was told a supervisor would call me in 7-10 business days to resolve and I have never heard from anyone since then.

It would appear Barclays did not attempt to address the duplicate charge at all. I have no proof of a second charge as there was no second charge. I only placed one authorized charge and have since returned that merchandise for which the merchant credited me but I was still charged that second charge. 

I have attached the credit card statement showing 2 charges, the merchants email confirming they received my return, the merchants email confirming they issued the {$150.00} for the return, the statement showing the credit of {$150.00} on XX/XX/XXXX and the letter from Barclays that they were not able to resolve the issue. 

I have no documents to show the second charge was credited, because that has yet to happen.

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 2020-05-17
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So i applied for my stimulus check and the irs accepting it and i used my Cashapp routing and account info for direct deposit. The irs web portal says my direct deposit was scheduled to be deposited in my Cashapp account XX/XX/2020 and as of today XX/XX/2020 i still have not recieved it. Ive reached out to Cashapp via  email only to get automated responses which were of no help at all, also direct messaged and tweeted on their page Cashapp and Cashapp support via XXXX, and i get responses from their so called support but nothing that helps or even them tryin to do anything bout it. Ive also been researching this and this seems to be only Cashapp customers hvn this same issue and also not getting any help at all from Cashapp to resolve it. People are saying their account numbers changing overnight with their cashapp accounts that they dont ask for or do themselves. And i also found out that Cashapps app says they use XXXX XXXX  for their accounts and cards they send out to people but the stimulus direct deposits are not goin through that bank, theyre bein deposited into XXXX XXXX XXXX to Cashapp. And i was also supposed to be mailed another card a week or so ago but the card never arrived even tho cashapp app says it did, and when i reported it lost and requested for a new card, they say they can not send me another, yet, my stimulus direct deposit is supposed to go to that account and card. It doesnt add up and seems like cashapp is withholding my stimulus money and thousands of other ppls money or theyre just flat out stealing it. Either way its not right and alot of ppl hve lost their homes due to this, myself being one of those ppl. From what i understand, cashapp has 5 business days to deposit money or they start recieving fines, well, its been way longer than 5 business days. I just want my money and for cashapp to release everyone elses money theyre holding or for something to be done about it some other way. Im so irritated with dealing with Cashapps XXXX and almost ready to go to the darker side of the web and spend a lil money and let a hacker get my money bck for me, but im trying to do this the legal and right way first. Plse help. Ill provide whatever info yall request of me that i hve if it helps. Ty.

Company response to consumer: Closed with explanation