BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: Receivables Performance Management, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve.. 

I have proof of my concerns are illegal practices.. 

Please can you help 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 2020-06-10
Company: EQUIFAX, 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:
AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The case reference hasprobably been closed However - the same peopleand Wells Fargo - ina continuing attempt toresolve the issues are involved with this complaint. 
We finally agreed to do a deed in Lieu of foreclosureWe recently executed documents ( in XX/XX/XXXX ) and XXXX them to the Wells Fargo people We then called for a copy of the docs and aconfirmation of processwe have NOT received a call, nor a copy of the docs. I recently tried to get a small loan to cover cred card debt ( lower interest ) and wasdenied because OUR HOUSE WAS IN FORECLOSURE!! 
Loan # XXXX -we have no further info sincesigning over title. I can emailthe letter notice ofDeed in Lieu of Foreclosure atrequest. Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The Company that I work at is a small minority family owned business and was recently involved in a fraud scheme where our supplier that we routine do business with had their e-mail system hacked. The fraudster that hacked our business partner 's e-mail used the e-mail to request us to send our payment to a different bank account. Ownership/ Management of the Company that I work at believed this info from the fraudster and ACHed funds that were due to the bank account requested by the fraudster. In short, the owners fell prey to an phishing scheme and wired the funds via our Bank of America small business checking account to a fraudulent account on XX/XX/XXXX. 

On XX/XX/XXXX, ownership and the accountant of the family owned company uncovered the fraudulent request and immediately reached out to the bank where the funds were wired from, Bank of America. A formal claim was submitted to Bank of America less than 24 hours from when the wire was initiated on XX/XX/XXXX. We were informed by Bank of America that our claim was denied on XX/XX/XXXX. We have made multiple attempts to reach out to our bank representative at Bank of America to understand why the funds were not returned. As we have discussed with other banks, attorneys and law enforcement, funds from a wire or ACH can be reclaimed if sent under false pretenses and a claim is submitted timely.

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 2022-05-15
Company: CarMax, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I XXXX XXXX XXXX, the living person, filed a Cease and Desist against Carmax Auto Finance and any of its affiliates. Carmax Auto Finance has blatantly violated me by continuing to communicate with me after receiving a written Cease and Desist notice via certified mail. The Cease and Desist notice that I sent to Carmax Auto Finance clearly states they must CEASE AND DESIST ALL COMMUNICATION WITH ME. The definition of communication via 15 USC 1692a is : the conveying of information regarding a debt DIRECTLY OR INDIRECTLY to any person THROUGH ANY MEDIUM. Therefore Carmax Auto Finance has willfully violated me by communicating with me indirectly through the credit reporting agencies ( as a medium ) when they report a charged off account to my consumer report. I demand Carmax Auto Finance to Cease any communication with me by deleting any reporting they may have done with XXXX, XXXX, and XXXX. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS! I have also filed a complaint with the XXXX XXXX XXXX  and the Georgia Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Well my account was compromised on Saturday the XXXX I was locked out the account after clicking a fake chime link on XXXX I immediately called chime told them what happened and the so called locked the account I wasnt able to get in but the scam people was they then cleared my account out after crying and calling and telling chime everything they did nothing for days but keep me locked out the email and phone on my account begin to change daily multiple times after I call and have chime put it back to the correct email address and phone number they finally disputed my amount XXXX so its been locked in the account since the XXXX they havent been able to secure the account long enough for me to take my money out so I asked if they can please close the account there is no other way I have pleaded to the to close my account but it has been reopened 4 times after I have closed the account out They keep saying they will mail my money but they cant give me a date because someone keeps reopening the account daily which means Ill never get my savings I had with chime for 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
need validation showing my signature and not just a bill that's not proving that its mine..show me something with my signature

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 2015-07-23
Company: LENDER LIVE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
PNC ( a.k.a National City Bank ) does not address my complaint in the least bit of the aggressive appraiser they recommended and the gross negligence on their part. The lack of their due diligence is mind blowing and they took complete advantage of me as a consumer. When they sent foreclosure papers to me in XX/XX/XXXX I reached out to XXXX XXXX XXXX at PNC immediately and faxed her a letter giving them permission to contact me. I find it ironic that they say they ca n't contact me " due to a ceased and desist on record '' but on XX/XX/XXXX XXXX at XXXX I have a saved voice mail from XXXX XXXX XXXX who represents PNC Bank on my personal cell phone. I have since called both their desks and left voicemails multiple times and continuously sent faxes authorizing them to contact me and have gotten no response in return. I feel that they are jerking the CFPB around and me as a consumer because they know that there is gross negligence and a lack of due diligence on their part. I need your help CFPB on this please. Please advise as soon as possible. Thank you in advance. 

Respectfully, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every 6 months when my property taxes are due, BSI financial does not pay them on time. I get a notice from my county treasurer explaining that they are late and that a fee will be added on. BSI then pays the late property taxes including the fee from my escrow account. It takes me 1-2 months and repeated phone calls to get the fee refunded back to me. They then promise that they have fixed the issue with the timing. 6 months later it happens again. I'm now at the fourth time the issue has occurred and have tried 3 times to get this fee removed from my account. Based on prior interactions I expect I will have to call a few more times to get resolution and that I will have to restart this process again in a few months. 

BSI has absolutely atrocious customer service and I don't see them having any real reason to fix it. There is no incentive that I see for them to do better as helping me costs them money every time and avoiding helping me may make me give up in frustration and they get to keep that money from their error. Looking at reviews online, I'm clearly not the only person who has these troubles. I never chose to have BSI buy my loan and be the servicer so it is frustrating to get this terrible service I never wanted. 
I hate BSI so, so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing acquired our mortgage from XXXX in early XXXX, 2015. I paid off the mortgage on XXXX XXXX, 2015 via certified check. Green Tree Serving acknowledges that it was paid in full and advised that they prepared a Satisfaction of Mortgage in XXXX and forwarded it electronically to the XXXX County Clerk 's Office. I inquired with them and they advised that it was not received. I reported this to Green Tree and they advised that they sent it again in XXXX. I inquired with the County Clerk on XXXX XXXX and was advised that it still had not been received. I contacted Green Tree daily from XXXX XXXX to XXXX XXXX via telephone and fax and received a different explanation for what was going on each time I called. On XXXX XXXX, I spoke to XXXX at extension XXXX and he advised that he would look into it and return my call by XXXX, XXXX XXXX. On XXXX XXXX XXXX, I called and was told that XXXX was unavailable but the " notes '' on my loan indicated that he sent the satisfaction for filing that day. On XXXX XXXX, I called the County Clerk 's Office and was told there was still no Satisfaction on file. I called again on XXXX XXXX, and I asked to speak to a supervisor but was transferred to the same " XXXX at XXXX '' and I had to leave yet another voice mail. I called back after I left the voice mail and this time I was advised that it was sent out electronically on XXXX XXXX. I called the County Clerk on the morning of the XXXX and was told that it still had not been received electronically as Green Tree indicated. XXXX XXXX XXXX advises that when documents are received electronically, they are filed immediately. On XXXX XXXX, I called Green Tree again and was told that they would " submit a request '' for me and that someone would call me back. I explained that when I called on XXXX XXXX and spoke to XXXX, he said he would call me back and I still have not received a call or an actual explanation as to what the problem is. The customer service rep transferred me to XXXX again, so I left another voice mail. This is completely insane. They have 30 days to file my satisfaction, not three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: TN
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 spoke with customer service on several occasions regarding my balance not going down enough for the money I've been paying. I did three balance transfers in XXXX of XXXX totaling {$8500.00} to a balance of {$4500.00}, beginning the total around {$16000.00} and something including the balance transfer fees. I have paid a total of {$8100.00} from XX/XX/XXXX to XX/XX/XXXX and my balance is just at {$13000.00}. I have a couple of recurring bills that are added every month but that only totals {$190.00}, and has since been reduced to $ 117 monthly. The last statement from XXXX states I have paid {$340.00} in fees, which I am thinking is the transfer fees and {$1000.00} in interest. Those two totals are {$1400.00}, so if I paid $ XXXX $ XXXX {$6700.00}, where did the rest of my money go because my balance is not going down hardly any. I paid {$1000.00} every month for five months, {$850.00}, {$700.00}, {$500.00} two or three times and it did not even put a dent in the balance. Chase has been taking my money, stealing it. I am contacting the BBB also to make a complaint. The interest rate is 14.99 % for regular purchasing and the balance transfers is on a promotion until XX/XX/XXXX. So, the credit card company says they put money towards the minimum balance which was only be {$220.00} which is for the promotional balance, part went to interest, which is usually around {$90.00} a month. Then a piece also goes to the regular balance, but yet both balances are only {$1000.00} or so below the original balances. Can I please have some help, I can not afford to keep paying money to them and nothing is helping my balance. I made two payments this month to see how it would help and it went down slightly. I can be reached at XXXX XXXX XXXX XXXX with any questions or by seem email XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My lawyer, XXXX and Law in XXXX XXXX, did not fulfill duties or of process or communication with XXXX After settlement-one bill arrived and XXXX notice. XXXX contacted me at my former employer via company phone, I offered a payment that fit my budget and was told it was n't enough and legal action would be taken. They hung up. The hospital would n't work with me to set up payment plans ( which they had accepted XXXX or XXXX before this occurred ). I transferred my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: The Phoenix Recovery Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last Reported XX/XX/XXXX Collection Agency PHOENIX RECOVERY GROUP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3000.00} High Balance {$3000.00} Remarks Account information disputed by consumer, meets FCRA requirements I have disputed this debt several times through email correspondence with the company, in addition to the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX and my data was breached in the security breach that you guys had in 2019 I want all of my negative items taken off my credit report. Anything from 2019 this way. You have been ordered by the courts to fix it. I have been telling you guys that my identity has been stolen hundreds of times and nobody is listening well. It is now ordered by the courts that you have to fix it. If the issues consists after a certain amount of time, it's on you. You guys better fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern:
I am writing this letter in the hopes that I can get some sort of resolution of the issues that I
am presenting to you.  Over a period of years, my wife and I have acquired a few properties, namely our XXXX home which we decided to rent out, our primary residence and an investment property (XXXXplex) in XXXX and our home in XXXX.  The mortgage to these properties were financed through XXXX Mortgage.  At some point in time, theses were acquired by PNC Bank.  At the time of the economic downturn, I reached out to the banks to attempt either refinancing or modification of the loans.  My credit rating at the time was XXXX plus.  I was informed that in order to qualify I would have to be delinquent and that refinancing was not an option because I had more than XXXX mortgages.  We began the modification process and after a year of repeatedly sending and resending documents somehow I received a modification agreement on XXXX property.  By the XXXX month of trial period just before the modification would have begun, PNC abruptly closed the account.  They stated we had broken the agreement, which was blatantly false and would not offer an explanation or discussion on the matter.  The property was immediately sold at auction.  Thankfully we kept a paper trail in anticipation of being defrauded in this process.  We hired attorneys to help us navigate through the short sale process on our original primary residence.  PNC  delayed the short sale process for over XXXX months with a qualified buyer waiting.  This home was also foreclosed on, so now we are down to one last trial and tribulation with PNC.  Even with a team of attorneys we have been unable to complete the modification process for over XXXX years.  I attempted the process alone for 18 months without legal representation.  So for close to 4 years we have been in limbo with respect to our primary residence.   Imagine our surprise or lack of surprise when we received a $XXXX settlement from the XXXX for discriminatory practices.  These last XXXX years have been hell on my wife and me.  After reading our situation we hope you can help us get this settled, for you are our last hope.  Thank you for taking the time to read this and I hope to hear from you soon.

Company response to consumer: Closed with explanation