BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
ShellPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The investor, XXXX XXXX, is refusing to honor the servicer 's, ShellPoint 's, value of XXXX and insisting on receiving XXXX minimum net. This would make the purchase price XXXX ***** The investor is requiring the buyer pay XXXX OVER AND ABOVE FAIR MARKET VALUE for this property. 

The agent had sent market comps to Shellpoint, using a price per square foot basis to reach the purchase price of $ XXXX. Shellpoint originally used comps that were NOT comparable- they were for much larger homes that were in far better condition. After a value dispute ShellPoint lowered the value to XXXX. The investor, XXXX XXXX is refusing to honor its servicer 's value. XXXX XXXX is demanding that based on their own comps. 


The investor is XXXX XXXX. The servicer is ShellPoint. The CFPB 's role is to protect consumers. This is a clear cut case of the investor and its surrogates, aka servicers, attempting to extort the buyer by demanding a sales price higher than anything that has currently sold in the same condition in this community with the same square footage. 

We want to reiterate that XXXX XXXX and its surrogates, aka servicers, forced the homeowners from this property telling them they no longer owned it and converted this property to a zombie foreclosure. Please review our XXXX CFPB complaint ( filed XXXX/XXXX/16 ) again. NONE of these issues have been resolved in any manner whatsoever. 

XXXX XXXX and their surrogate 's actions have caused financial harm to the sellers in the form of XXXX dues that they are liable for under California law. This is not to mention the emotional toll this is taking on our elderly sellers living on a fixed income, who are being continually swindled by XXXX XXXX and their surrogates. It is quite possible that XXXX XXXX and their surrogates have violated multiple state and federal laws : 1. Illegal eviction 2. Constructive fraud 3. Illegally telling a homeowner they had no retention options on multiple occasions ... ..among others ... .. 

PLEASE remember that XXXX XXXX has already settled in the amount of {$5.00} BI dollars for LOAN FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions Inc.
State: NV
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:
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your XXXX XXXX if you pay them a monthly fee. For instance Ox XXXX XXXX online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 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 non-monetary relief
Consumer complaint received 2016-05-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.

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 2016-06-04
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTOR KEPT CALLING FAMILY MEMBER REGARDING XXXX AND XXXX ON MY CELL AND WORK NUMBERS. so.o.l. expired in illinois

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 2022-10-31
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am XXXX XXXX, an XXXX Passport Holder and promoter of new XXXX XXXX XXXX XXXX XXXX XXXX, incorporated in the State of XXXX ( hereinafter mentioned as applicant Company ). I am also XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX established in XXXX. 51 % of shareholding of the applicant XXXX is held XXXX, 42 % by me and 7 % by XXXX XXXX. We visited Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX  XXXX for opening of Current Account in the name of the applicant Company. To my utter surprize, the lady at the counter refused to open the account with mere reason of the promoters being foreigners. The reason quoted by the gentle lady is beyond my imagination. I was really hurt with the response of the dealing gentle lady. Rather I felt cheated by making a decision of making investment in your XXXX. I wouldn't have minded, had the concerned Bank asked for any number of documents before opening the account for their due diligence. I would have gladly provided all required documents. But refusal simply on the reason of key promoters being foreigners is not at all acceptable. 
We the promoters are law abiding citizens, more so I am member of XXXX XXXX XXXX. How is it possible that a Bank of such a repute can refuse to open the account just because of the reason that the key promoters are non XXXX Nationals. 
I would like to know, is this policy of the Bank with the approval of the US Government? XXXX the XXXX side, your Govt promotes XXXX, on the other hand your Banks discourage the foreign investors.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: FL
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:
incorrect information reported on my report from XXXX, XXXX, experian

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 2016-09-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have been a valued and loyal customer of American Express Platinum Card since XX/XX/XXXX. Beginning on XX/XX/XXXX at XXXX, in a recorded call w/a male member of the American Express Credit division, I was harassed and a large unauthorized payment was direct debited out of my business checking account. At XXXX, XX/XX/XXXX, I made a follow-up call to the credit department. This time, the man I spoke with was very apologetic, said that he had started a review of the situation and that I would hear back from a supervisor within 48 hours. I never received a call back from the supervisor. The following week I called back several times. Finally I was given the direct line of a supervisor who said we would have a call on Tues. XX/XX/XXXX at XXXX EST to review 8 months of my Am Ex statements which reflect every month inaccurate payments which I made throughout from XX/XX/XXXX-XX/XX/XXXX. I have statements from the bank documenting exactly what was direct debited from Am Ex out of my business checking account. To date, Am Ex has inaccurately posted my payments direct debited from my business account. The supervisor, XXXX XXXX at phone : XXXX, never called and never returned my calls. I called XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I made a payment to Am Ex on XX/XX/XXXX, of {$16000.00}, direct debited from my business XXXX account. I have an outstanding balance, which I have repeatedly said I am interested in paying in full, both in speaking with Am Ex credit operators directly in live calls ; and repeatedly, in my messages to XXXX XXXX XXXX message. My records show that I am being overcharged by Am Ex by at least {$3000.00}. When I call and speak w/any one directly at the Credit Department, I am assured that I will receive a call back from a supervisor within 48 hours. This has never happened. As of, XX/XX/XXXX, I have repeatedly said that I want to pay my balance in full and get out of the extended payment plan where I am being charged 18 % on the ongoing balance ... and our records need to agree as to how much I have already in fact paid through direct debit of my business account. Please help! No matter how many times I 've called and tried to resolve this situation, I have received no assistance from Am Ex. Since XX/XX/XXXX, I have only had very supportive excellent service with American Express. This experience that has now been ongoing since XX/XX/XXXX is very, very distressing and disturbing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use the deposit atm at Bank of America atm ( XXXX XXXX XXXX NY XXXX the atm ID is XXXX ) around XXXX XXXX. in XXXX XX/XX/2022 and all my money I put in there all is bills XXXX $ around total XXXX $ Is gone ATM showing counting my money and then show up machines errors so I cant get my money back anyway can you help me for this problem anyway can I get my money back I have video records while I use deposit and atm show counting and error that is a lot money that I need to use survivor here so please help me Regard 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 2022-10-31
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I have not only included the letter from Barclays but I am now going to include their faulty system in which Barclays claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.

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 2015-12-22
Company: Aurora Enterprises, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I moved out of a home and there was communication between myself and the homeowner the amount I owed her. The amount was {$1000.00} and she emailed me with this amount from her email address. When i reviewed my items on my credit I found the amount from her was incorrect. I communicated this information via phone to the collection company listed on my report.The company then asked me to email them the conversation between the homeowner and myself in which I immediately did. I did not hear a response from the company so I reached out to them again, still no response, yet again I sent another inquiry using their site hat is listed online to contact them. The only type of response I received from them was when I ws notified that I was going to be garnished from my paycheck in the amount of {$3800.00} starting on XXXX/XXXX/2015. When I contacted the agency they stated I was served in which I was not and I explained this to them. The person I was speaking to XXXX XXXX XXXX XXXX then asked if I was XXXX '' and I replied no I am not, I am XXXX '' and this is also on my drivers license. XXXX stated the company they use to serve legal documents is called XXXX XXXX. I tried explaining to XXXX that the amount was incorrect and she told me I was also being billed for attorney and court costs. The amount that will now be taken from my paycheck bi-weekly is {$380.00} minimum which equals to approximately {$770.00} monthly. It seems asif the collection company took advantage of the fact that they seen I was willing to pay, but only the correct amount and decided to get as much as they could to make more money off of the account. I did not dispute the debt was mine, but only the amount due. I let the agency know this debt could have gotten closed out much sooner would they have responded and corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: PlusFour, Inc
State: NV
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:
I had medical insurance during this time which was called XXXX through Medicaid with the state of Nevada which changed to XXXX XXXX XXXX XXXX XXXX still through Medicaid. When I called Medicaid they explained this 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 2015-04-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed XXXX items on my credit that I did n't recognize that were listed by XXXX so I got their # and called them, the girl said they were tolls from XXXX..I live in XXXX ... I told her I just wanted them gone and agreed to pay XXXX to do so, the girl refused to send me an email or letter spelling out that they would settle account for that amount. She said they do n't have " the legal dept '' to do that ...???? I just wanted proof they would close these accounts for that amount as they said they would. I asked for her supervisor and a validation of debt because I did n't remember being in illinois then, and she gave the XXXX thing and said hold on, the supervisor came on who said first thing that she was busy and what did I want???? Seriously?? She also refused to send a letter or email and told me I had til XXXX their time or the price would go up, and HUNG UP ON ME! 
almost three weeks later, I get a letter from Trans World Systems saying that they now have my debt, and I need to call THEM. I called Trans world, and the girl said they ARE nco???? I nicely explained what happened before and that I was willing to close out the account even tho I was n't sure it was mine, I just wanted some proof before I gave them my credit card that they would indeed close the account out for that amount, the girl got snippy with me and again refused, take it or leave it, oh, and ya, now its {$430.00}!!!!! Who are these shady people and why are they switching my account to different but same companies???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This collection company by the name of " Asset Acceptance LLC '' has been using " scare tactics '' by threatening to sue me when my debt is way past my states Statute of Limitations. I wrote them a letter stating to them that what they are doing is illegal and that I am willing to take action against them with my legal team. Instead, they sent another letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Sullivan Asset Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man who has introduced himself as XXXX XXXX calling and claiming he 's calling from XXXX XXXX XXXX has repeatedly called my place of employment, has harassed me, people answering the phone and even spoken to my boss. This person claims I have an old debt that I need to acknowledge and states that he is in contact with my county to get me served with documents. I have requested that he send me something in writing regarding this debt or to give me contact information for my original creditor and he has to refuse to do either but continues to call my place of employment after I have asked him several times to stop. He has threatened to have my wages garnished and even accused me of being a delinquent and telling my boss he 's going to get me on fraud charges. I do n't know how else to handle this, I 'm not refusing to pay any debt I might have all I 'm asking for is proof which he refuses to provide and on top of that he 's jeopardizing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NC
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:
They lied again they didnt do an investigation, lol at my complaint- I am disputing another company then they are replying about! the XXXX  at Equifax strike again! Fake!! 

Read this complaint! XXXX. They are on XXXX  or something this is getting worse everyday!

Company response to consumer: Closed with explanation