BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-02-01
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
US Bank has stated in a letter addressed to me that i owe them {$270.00} from an account that has been closed for 3.5 years ago. This account was closed and all debt was paid for.

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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
Bank of America is reporting to XXXX XXXX XXXX XXXX XXXX XXXX that they closed a fraudulent account down under my name with the incident date showing as XX/XX//2019. It also shows that Their total loss was {$0.00}. I have contacted XX/XX/XXXX and the information was blocked, however it was added back to my account at a later date and Bank of America stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by Bank of America or permanently blocked by XX/XX/XXXX. I sent in all of my ID theft documentation to both companies, This was not my account. There is no back of America anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the XXXX XXXX XXXX at the Oklahoma Attorney Generals office.

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 2018-03-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Someone tried fraudulently adding themselves as a user on my Victoria Secrets credit card back in XXXX. XXXX caught it and put a hold on the account and sent me a snail mail letter about it asking for verification. I never got the letter and therefore they just CLOSED my account. I never got a phone call or e-mail either which they do have on file for me. I don't knw why they would CLOSE by account and not freeze it or something. Or TRY AGAIN to contact me. When I called XXXX asking what happened and explained it I asked well I didn't get the letter you know I have e-mail and a phone number listed her response was " oh well ... '' and I said now you affected my credit and she said " yeah well '' and so I hung up on her after she said I could REAPPLY for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We got behind due to COVID 19 being laid off of work. We applied for a modification. 

1. The first time, we got denied because they said we didn't make enough money. They was not counting my son 's XXXX income, even though I'm his legal guardian and the one that takes care of him. 
2. I reapplied. This time, I got denied because I didn't have the paperwork turned in ( on time ) according to them. I have screenshots with timestamps proving they DID have the paperwork, ( on time ) but that was the reason they gave. 
3. I reapplied again. This time I got denied due to not having enough disposable income. Again, I have proof this is not true and yet this is the reason I was denied. 

This has been going on a year. They keep finding reasons to deny us and try to foreclose on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been sending extra principal only payments to the mortgage company without issues. NewRez assumed the loan from the previous servicer. I continued making my weekly extra principal only payments, but they are not being applied to the loan. I have asked for a reason via e-mail about the " Partial Payment Unapplied '' comment on my statement, but have received no answer. Trying to call the customer service line results in the phone ringing for 15 minutes during the time stated that service is available, then being disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I called bank of America on XX/XX/2018 in regards to purchases made from XXXX that I never received in the mail. I order these purchases in XXXX and XXXX and now BANK OF AMERICA is mentioning that it will take 6 months to get my money bank and also I asked how to submit my evidence and they did not give me any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase pro listed a coin whit the wrong price, then after i bought it the change the price and my money was gone total amount lost {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-04-26
Company: FEARON FINANCIAL LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXXXXXX has been Posting & Distributing misleading advertisements without proper disclosure. In fact, there are NO disclosures on this advertisement. 
This is one of several advertsisements I have seen lately. 

It seems all that XXXX XXXXXXXX is arbitrarily running advertisements for mortgages and feels they are exempt from Fair Housing Regulations. 

This is DECEPTION at its finest and due to the number of these types of advertisments lately it seems XXXX XXXXXXXX is aware and has done nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX XXXX old unemployed and XXXX individual who is trying to start up a new business. It would be a consulting business run by my sons and using my years of experience and lessons learned to advise organizations on how to quickly solve ongoing problems while making their employees happy. 

I started to organize the new business, never having owned my own business before, by using on-line companies who help new businesses get started. I started by using XXXX to create an LLC. They recommended using XXXX to do the accounting work for my new business. Then It was recommended that I use Bank of America 's Small Business Banking Services to help me start using XXXX XXXX ( which was new to me ) and Checking. So I contacted them explaining I had never had my own business before and was n't sure what to do. 

Bank of America had me talk to a number of people in different departments to get started, but it was a confusing and complicated process, and I was never sure what was going on, and told them so. Then, having conducted no business at all with them or anyone connected to them, Bank of America sent me a notice that I had overdrawn my account and owed them money. I tried calling to clear up this error on their part but kept getting transferred to other people. Now I have a bill in the mail saying I still owe them for overdrawing my account. I am attaching their latest warning with this application for help. 

Thank you very much. 

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 2020-01-27
Company: Experian Information Solutions Inc.
State: TN
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 due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-04-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
About 2 years ago had an cell phone account with XXXX XXXX XXXX and ended account because store personnel at the XXXX XXXX Store, XXXX, GA., made changes to account without my approval. Only ( myself ) person opening account could make any and all changes, which I did not approve or make. Notified XXXX XXXX store management and XXXX Headquarters of issue which they did not resolve. Account was closed, equipment returned and agreed amount from original contract was paid in full. XXXX submitted debt collection to credit reporting agency at which time I submitted a dispute to debt indicating XXXX made change to account without my approval. In XX/XX/2019 requested credit from XXXX XXXX XXXX, who requested a credit report from Experian. Upon receiving the report from Experian, they informed me of the dispute but was unable to see signed/verbal documentation submitted by collection agency, date dispute submitted or my information in support of my dispute.

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 2021-02-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been on forbearance ( due to the death of the co-owner of our home and then XXXX. After paying my mortgage without my brother I paid my mortgage for almost a year on time and sometimes in advance. In pre-planning for the future missing that VA income from my brother. I applied for a loan modification, and even forbearance, with absolutely no reason, was denied so many times until I received the assistance from CFPB. I am ready to get back to business with lower payments and I am still having trouble with this lender as follows : Applied for loan reconstruction, denied for lack of documentation in a timely manner and did not even know it, upon another follow-up call found that out prior to that nothing in writing. Then after the fact, I received letter of denial. In the interim, every single time additional documents were requested I sent immediately, I know the drill on time is of the essence and I have a paper trail of every documentation that I sent. 

I then moved forward and resubmitted the entire package again with 51 attachments. Today XXXX XX/XX/2021 XXXX, the date of this complaint, I called, to follow-up and found out, they need more documentation, that I again had sent, now 4 times. Its not my credit because the only thing that is effecting my credit is the lender. 

What now? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Access Receivables of NC Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a woman by the name of XXXX XXXX was the loan officer in charge of my loans at the XXXX XXXX of XXXX  XXXX county. she forced me to sign off on documents that I had no idea what they were for. I was asked to forge my moms signature and take out an extra {$20000.00} in loans which are now in collections in my name on my credit. we later found out that this woman was fired from XXXX after more fraudulent behavior..I don't believe this loan should be my responsibility anymore because this woman had me sign papers FORGING my mothers signature as well as the fact that my school has gone bankrupt and is completely GONE now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit for services that I never used. The original debtor appears to be utility account that I never authorized. This account does not belong to me.

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 2020-05-05
Company: BARCLAYS BANK DELAWARE
State: AZ
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 had my handyman replace 6 floor tiles in my kitchen. He ended up taking 5 days, used up 40 tiles and charged me {$720.00} for the work as he charges hourly. I have used him for years and felt bad not paying him for his time. The tiles started popping up and were not even sticking to the ground. I had to pay someone else ( who knew what they were doing ) to fix the job and buy more tile. I was now out {$1300.00} for a job that should have only cost {$400.00}. The original tile layer said he already spent the money I gave him and could not pay me back. I then disputed it with my credit card company. ( Barclays/ XXXX XXXX XXXX card ) They then went after his bank and took the {$720.00} out of his account. They put a credit on my account but a month later said they would not help me and charged me the {$720.00}. They said the " merchant '' would not help me as I did not pay the tile layer the correct way. The " merchant '' they are referring to is XXXX. I connected my XXXX XXXX card to my XXXX account so I can have the credit cards protection when I have to pay workers. XXXX charges a large fee for protection if I choose to pay a company and it charges a smaller fee if I pay a friend. Since I have the credit cards protection I paid him as a friend for a service. The credit card company says they did not take the money out of the tile layers account and claim XXXX did. XXXX says they have nothing to do with this. This transaction is between the credit card company and me. XXXX has told the credit card company that they are just a 3rd party and have nothing to do with this dispute and are not the " merchant '' the " merchant '' is the tile layer. I am now out {$720.00} and so is the tile layer. Credit card company is up {$1400.00}. I can not get anywhere with XXXX especially with Covid they will not answer disputes. I have written the company and called about 9 times since XX/XX/2020. Not getting anywhere.

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 2020-05-06
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a title loan on XX/XX/2020for {$1600.00} at 200 % interest. I made my first payment and over paid by {$100.00}. Then shortly after my state ( IL ) was placed under shelter at home order due to COVID-19. Since that time I have been unable to work due to the governors orders. Since I am XXXX XXXX  I can not start receiving unemployment benefits until XX/XX/XXXX. Therefore I have had no income and have been balancing feeding my family, paying my bills and preparing for an uncertain future. 

I spoke with XXXX XXXX and TitleMax and explained all of this to them. The understanding was that the late fees would be waived, the interest would continue to accrue and I was told to pay when I could. Yet I have received multiple phone calls every day since asking for money. I even received a notice of default signed by the very person I spoke to on the phone. During this moment of crisis this has become very stressful and worrisome as we do not want to lose our family vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 at XXXX PST, I received a call from a collection representative with Contract Callers , Inc based on GA calling me on behalf of XXXX. When i answered this call I was immediately asked " am i speaking to ( my full name )? ". I refused to answer anything unless i knew where they were calling from. They again asked so i answered a simple " yes '', and asked what this was about. They quickly stated " And the last 4 of your SSN is # # # # and DOB # # / # # / # # # #? ". This made me feel extremely uncomfortable since anyone would be able to answer yes to their question and then get my information had they dialed the wrong number. What if they accidentally had my account up and called someone else? I feel like my rights that protect my sensitive information are being violated by this 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 2019-03-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To whom it may concern : In XX/XX/XXXX I did a refi of my 30 year fixed rate mortgage with XXXX XXXX XXXX. The refi was a 15 year fixed rate at 3.75 %. At the time that I closed my mortgage payment was {$1000.00}. Two months later the mortgage was sold to Loancare mortgage company. After Loancare took over my mortgage, my payment was lowered to {$1000.00}. 

In XXXX of XXXX Loancare adjusted my mortgage payment to {$1000.00} to adjust for the shortage in taxes and insurance. It was my understanding that at the end of XXXX my mortgage would revert back to the original refi rate. 

In XXXX my mortgage payment increased by {$55.00}. My annual escrow account disclosure statement revealed that there was a {$750.00} shortage. My taxes have remained the same since XXXX and I have not missed a payment. I spoke to XXXX XXXX ( escrow managerXXXX ) and explained my situation to her. She said one of her managers would contact me. I was at a Drs office when they called and asked if they could call later on in the day. I have never heard from them again. I have left several messages for Ms. XXXX but have not received a return call. I have had several other conversations with their customer service department. Nobody has been able to give me an answer about why there was a shortage at the end of XXXX. 

I WOULD LIKE TO KNOW HOW DID I END UP WITH A SHORTAGE AT THE END OF XXXX ( {$750.00} ) WHEN MY TAXES AND INSURANCE DID NOT INCREASE AND I MADE ALL OF MY PAYMENTS ON TIME? 

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