BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2016, I submitted a written dispute which included an affidavit of unauthorized opening of accoutn in my name. I have been payinng on the bill since then because it has DRASTICALLY effected my credit score and I am trying to buy a home. However, I have received no response to my valid dispute. I beleive they have not responded because I have been making payments. I am just trying to not let this effect me any more than it already has.

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 2016-11-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. 

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 non-monetary relief
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016, we were in the process of switching from Wells Fargo Bank to another bank as we have had several fraudulent transactions in the past year. The latest one was in the amount of $ XXXX from my daughters and my account to my husbands and my account. About 2 minutes after doing so my account password and address changed and I was notified by the bank by email if I had changed my password so I ran this through their fraudulent dept. a few days later XX/XX/2016 I received a phone call from a women who said her daughter works at the XXXX next door to the Wells Fargo Bank in XXXX, which was our bank at the time. Her daughter went out to the dumpster that sits between them and Wells Fargo Bank and found a bunch of papers scattered around the outside of the dumpster on the ground. When she looked down she saw one that had all of personal information on it so she took a picture of it, then told her mother on Thursday. Her mother said that they needed to contact us which they did from the information that was on the document. The daughter did not pick up any of the papers which mother saw the email address and sent the pictures of the papers which clearly show the paper. The document had our full names, tax ID, address, phone numbers, and full social security numbers on the page. I immediately called the XXXX police which were right across the street, they gave me a case number but said they really could n't do anything about it. The next day my husband went to the dumpster and all of the papers were still there, no at least 4 days laying there. He took pictures of the surrounding area of the dumpster with the view of the bank and the XXXX restaurant and also picked up the document that has our personal info on it, which was page XXXX of XXXX as well as a deposit slip that had someone else 's name and account number. We called the XXXX police again and told them the papers were still out there on the ground and they said all they could do is come over to the bank why we talked to them but we decided not to do that until we spoke to someone else, but the police have documented our information. That afternoon the same girl from Wingers went over again and saw another paper with our information on it, she picked this one up, which my husband had missed. This one said page XXXX of XXXX. This area has a lot of homeless people etc. that look through dumpsters for food. The mother and daughter said they would testify about everything they saw. We would like to take some legal action as we have no idea who might have all of our information. I will attach the papers so that you might review them. Thank you.

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 2021-03-20
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2019 I consumer XXXX, XXXX, XXXX starting receiving several notifications after the Consumer credit transaction with XXXX XXXX XXXX XXXX from AD ASTRA RECOVERY SE stating I owe a alleged debt in the form of mail as well as furnishings other deceptive forms to make me believe I owe a debt when in fact, I know I dont. Ive never heard of or do I have a binding contract between myself and AD ASTRA RECOVERY SE. AD ASTRA RECOVERY SE Is in Fact in VIOLATION OF 15 usc 1692j ( a, b ) ; Furnishing certain deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, NY XXXX We represent the XXXX, the borrowers/owners of the above referenced property who have been trying to complete a short sale with XXXX for over a year! We are now on our XXXX buyer as we have lost our prior buyers due to the extensive delays by XXXX in processing this request. On XXXX XXXX, 2016 the prior servicer ( XXXX XXXX ) confirmed that the appraisal was done and they would be issuing the approval latter that week. On XXXX/XXXX/16 the loan was transferred to LoanCare, LLC before the approval letter was issued. 
We have called daily for the past 2 weeks trying to get status and are repeatedly told that no one has been assigned to our client 's file. This is the worst case of unresponsiveness and torment by a lender we have ever experienced.

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 2016-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this entry with Transunion on multiple occasions. The creditor *XXXX ) are refusing to provide me proof of validation in violation of : TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] 803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

The amount is {$97.00} and I have asked for 2 years for them to provide proof that I have owed it. I submitted that proof to Transunion dated XXXX/XXXX/15 and Transunion acknowledged the receipt. It is still not removed and it is affecting my credit and employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Trans Union has never responded to my dispute on XXXX XXXX, 2016.

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 2015-10-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan originated with XXXX, XXXX XXXX XXXX and was later sold to XXXX XXXX XXXX. I have an FHA loan. My mortgage fell into foreclosure due to a series of hardships and marital issues. I tried to do a loan modification but was declined. I subsequently opted for a short sale because I needed money to assist with relocating for my sons to keep custody of them and I also need to finish college and can not obtain the loans needed with the foreclosure. I listed my property with a Realtor, submitted my short sale package to XXXX XXXX XXXX and received an approval. As my approval came in, XXXX XXXX XXXX transferred my loan to Carrington Mortgage. Once my loan got to Carrington Mortgage, I spoke with a representative who said Carrington will takeover with the short sale from XXXX XXXX XXXX. He said the sales price needed to increase to XXXX and they had to have a minimum of {$87.00}. I told him that the cash buyer had already increased his offer and I sent the contract as requested to Carrington. I even sent updated income documentation. As I waited to get the green light to close, my home was foreclosed on XX/XX/XXXX and I was n't notified. I was caught by surprise. The attorneys for Carrington never sent me notice and I was waiting on Carrington 's short sale instructions. I raced to hire an attorney who objected to the sale. The property went back to Carrington, but the deed was not transferred because of the pending litigation. I need help resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.

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 2021-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed an account with this company which was sent on XX/XX/2021 and they received on XX/XX/2021 at XXXX XXXX. My Complaint is they stated the account was " Verified '' but the Status when it was last reported didn't Change. The date ( XXXX ) still remains and they violated FCRA laws by not Properly Conducting a full investigation and Updating the Status to the most recent date. If they really did an investigation they Should have updated the date to notify me they did the investigation following the FCRA rules. I both accounts removed from my credit report Or I will follow my lawyers advice and pursue legal action I saved every letter and note since I started to complain about this so I'm taking this very seriously

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 2017-01-06
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I recently refinanced my home with XXXX XXXX XXXX and my lender paid off my line of credit at BBVA Compass Bank, the subject of this complaint. I was told a few days after the payoff that i had an outstanding balance of {$71.00}, i submitted a payment for {$74.00} and thought it was all paid because i received no further notices. That last payment was XX/XX/2016. My regular statement was not generated XX/XX/XXXX and the previous one was issued XX/XX/2016. So with no statement and having paid off my balance, my debt was settled. Two days ago i got a report from the credit bureaus that BBVA Compass had reported my payment late. I called and they were unable to explain all of the accounting discrepancies on my account, nor were they able to explain why i had not received a statement and why their collections department had not attempted to call me regarding the alleged debt. I further reviewed my account and it looks like they have additionally misapplied funds and not counted for payments i made to settle the balance on XX/XX/2016. Please help, i have no other derogatory remarks on my credit and in the process of helping my parents purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I assume my score dropped because of XXXX ( XXXX ) supposed recently opened accounts. The XXXX account was transferred to another company. It was simply a transfer, NOT a new account. In fact, that info is noted at the end of the account listing! 
Secondly, the XXXX account, listed as opened XX/XX/XXXX, was not initiated by me. I made an appointment for an estimate on a counter top purchase/installation which I declined due to cost. I have never used this account, did not request an account, and am asking XXXX to remove it and stipulate that it is " my request. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
COMPLAINT : XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, MA XXXX XXXX I have a checking and savings account in Santander Bank, N.A. at the following branch in XXXX XXXX. Santander Bank | XXXX XXXX XXXX, XXXX XXXX, MA XXXX Branch ID : XXXX Tel. ( XXXX XXXX XXXX Fax : ( XXXX XXXX XXXX ; Customer Service Ph. ( XXXX ) XXXX On XXXX XXXX, 2016, a withdrawal for the amount of {$360.00} was made on my Santander account at XXXX XXXX, XXXX, MA, located in XXXX. Also {$3.00} bank fee was charged to my account with this transaction. I called Santander Bank branch at XXXX XXXX and Customer Service immediately reporting the fraudulent withdrawal from my savings accounts. I reported to the bank that my Debit/Credit card was with me in my wallet the moment this money was withdrawn without my authorization. I told the bank 's representative that I have never used my card to withdraw money at XXXX XXXX, XXXX MA, located in XXXX. 

I am a XXXX in XXXX, MA. I was a XXXX for more than ten years. I mentioned the Customer Service representative that it was evident that somebody cloned my card and used it to steal my money at XXXX XXXX, XXXX MA, located in XXXX. They asked me if I had any idea of whom cloned my card. I mentioned to them that XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, MA XXXX was the only place that has had access to my information when I have ordered online at XXXX. However, I clearly stated that I was not imputing this restaurant any culprit, just the fact that they have had access to my information for delivery purposes. 

Customer Service gave me the following Claim Number : XXXX and said that the bank will investigate the illegal withdrawal of {$360.00} from my savings account and will reimburse to me the total amount of {$360.00} ( including {$3.00} charged fee ). 

As of today, Santander Bank has not reimbursed me for any money, and customer service department has just given me a general statement that the bank can not refund the money because information is inconclusive, avoiding to explain the foundations and rationale for this determination. 

Hereby I am requesting the intervention of the CFPB to solve this matter.

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
Consumer complaint received 2021-03-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On today 's date, government supplied stimulus check, received notification it was received but would not be accessible until XX/XX/XXXX. My grandson, who also has a Navy Federal account, was given access to his stimulus check on this date. I believe Navy Federal is withholding due to seeing payments to be made on XX/XX/XXXX due to my Social Security check being deposited on that date, and will try to charge overdraft fees if the money is not readily there, as some banks have been known to do. Please look into this, IRS Treasury 310 Tax EIP3 Routing number XXXX, available XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I lived at XXXX XXXX ( rent recovery 4K+ ) I was going thru a bad case involving XXXX  XXXX. This- because my XXXX  was released from jail and soon found me and made his way in ti my apt . It wasnt long before the abuse began and police as well as the office management were involved. I was defeated until I was opted the choice to live with my brother and move out. I had to break my lease to do so but XXXX, the assistant leasing agent, was very understanding and I was able to work out with her and XXXX the manager a deal where I could leave and make my payment for breaking the lease in small monthly payments and AVOID CREDIT REPORTING. After I moved I called several times and was told XXXX was no longer there but to bare with them- as soon as a new manager was placed I could work out the same agreement. I spent weeks calling until I finally drove back to that office to speak to them in person. This is when I met the new manager, who said sorry, its too late- its been sent go collections. Youll have to take it up with them. 
First- i was never given a fair chance to live up to my word and make small payments to pay off the debt. Second- why is everyone ignoring the fact that I had no choice but to break my lease to survive. Isnt a victim of XXXX protected by VAWA? Which i mentioned to both XXXX and XXXX. I would think even in an income restricted apartment complex they would do more to help me but instead I cant lease anywhere or even think to buy a home now that Im on my feet again. This debt is haunting me and they wont remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Broward Adjustment Services
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred

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