BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received phone call from XXXX claiming that they are attempting to serve notification to me at my employment and residence ( for a charge off debt from 2001 ) and must call them back to make arrangments. When I called back, they stated that they were a 3rd party attempting to collect a debt and that the credit card company re-initiated a court claim against me where they can put judgement against me for up to $ XXXX. They pressured me to make a payment arrangement if they took a large percentage off the original balance due, then asked for my credit card information as a good faith attempt for not being sued. They promised to send me documentation via email as proof of them being a 3rd party representation. I was stupid and gave them the CC number in good faith. They took money out of my checking account for {$200.00}. The bank said that the transaction was from XXXX XXXX XXXX ( XXXX ) at a XXXX ' area code telephone number ( XXXX , XXXX ). I called the XXXX ' area code number. The representative that answered said that they were a " child support/check recovery '' agency in XXXX, XXXX -for the state of XXXX . I live in XXXX ( and do n't have chilcren, nor do I write checks ). The rep was good enough to run my name through their database, to see if my name came up and if my identitiy was compromised. Nothing came up and she suggested I call the police. She also disclosed that their agency have received a flood of calls of this type within the past two months. I got the money back from the bank and put in a fraudulent claim. Now, these scammers are relentlesly calling me 3 and 4 times a day from the same XXXX telephone number. I did some checking and the call is coming from somewhere in XXXX. I called them right back and told them that they have been reported to the police. DO NOT TALK TO THESE POEPLE FOR ANY REASON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of america stated that edd closed my edd account as of XX/XX/2020 However EDD was still paying me on the EDd account up until XX/XX/2020 - Bank of america will not speak to me or release my money -

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 2020-12-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in discussion is Citi-Shell Account # XXXX the issue at hand is a late reported in XXXX 2020, Back in XX/XX/2020 I was unable to make the payment due to Covid-19. When I was well enough to work I did make the payment immediately.

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 2016-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS is the Servicer XXXX is the Investor. It is possible SPS has purposefully impeded the short sale process so that they could get their monthly fee while allowing the home to head into Foreclosure which is currently scheduled for XXXX/XXXX/XXXX. 

Home Listed For Sale : XXXX XXXX, XXXX Original List Price : {$450000.00} then home systematically reduced until offers received. 
Contract History : No Contracts until home listed at {$300000.00}. Original Contract XXXX XXXX, XXXX rejected by bank and the buyer was countered at nearly {$100000.00} above contract price. 2nd Contract XXXX XXXX, XXXX and bank rejected contract and countered buyer at nearly {$80000.00} above contract price. 
Offer History : In nearly 10 months and XXXX appointments, XXXX contracts and XXXX additional unaccepted offers were received when list price was reduced to {$300000.00}. According to Multiple List, only XXXX homes have sold in this community in the last 2 years. NOTE : Bank Appraisal from XXXX XXXX, XXXX came in at XXXX, which is lower than the bank keeps countering all contracts at ( Bank Counter {$370000.00} ). 
Distressed Sale : Not only is the home a Short Sale that is in need of repairs ( list attached ), the HOA is in default which makes it difficult to sell/transfer these homes. 

Supporting Documentation Attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: WA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2016-08-05
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I started having problems paying my mortgage back in XXXX. The end of XXXX I did a agreement with my mortgage company ( Nationsstar ) to pay XXXX 's mortgage over XXXX, XXXX and XXXX. In XXXX I started a refinance with XXXX XXXX XXXX XXXX. Nationstar gave XXXX a quote. We closed on XXXX/XXXX/2016 and the check was sent to Nationstar on XXXX/XXXX/2016. Nationstar is claiming the payoff was short because they did n't receive the payoff by XXXX/XXXX/2016. Now they are price gauging my mortgage payoff. My balance was XXXX, now they are saying the payoff is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a rental/income property that NationStar foreclosed on because they refused to work the the Real Estate agent. He filed all the papers and had a buyer. Because NS dragged their feet and continued to ask for the same information over and over again, the buyer backed out. Agent than asked NS for an extension for find another buyer, they refused and foreclosed on the building. 
My problem is that on the XXXX under fair market value they inflated the number. Properties in the area are no where near what they have indicated on the XXXX. I have repeatedly called them to get this corrected, but with no success. I have been given the name of someone who is supposed to be researching this but I have called her twice within the past weeks and she has not responded. Additionally, they told me that the number under fair market value is the number they felt was a good bid for the property. They also added fees to this number. 'They got no bid close to that. They then foreclosed on the building without giving us a chance to find another buyer. I even said I would give them the keys and deed, they declined. 
Can you help me? This inflated number is affecting what I have to pay the IRS and my social security benefits because they are now taking more out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
An extra XXXX dollar amount is reported on the card for a purchase I didn't make. 
It is a wells fargo based credit line from XXXX XXXX XXXX XXXX XXXX. 
Wells fargo did not respond. 
XXXX 's submitted something promising to call me back but I've heard nothing. 
I reported this on the XX/XX/XXXX when I received an email. 
It may be phishing, but it is irresponsible across the board and jeopardizes everyone.

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 2016-12-06
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
REGIONAL ACCEPTANCE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you REGIONAL ACCEPTANCE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : REGIONAL ACCEPTANCE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS 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
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Rocket Mortgage, LLC
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Quicken Loans pulled {$310.00} out of our checking account and put it into our escrow account without our consent. When I brought this to their attention on XXXX/XXXX/16 they admitted that it was their mistake and they would make it right, however all I get is the run around that they are looking into this and I was supposed to get this money returned within 72 hours into our checking account and I still do not have the money! I called again on XXXX/XXXX/16 and again was given the runaround that some other team will look into it on Monday XXXX/XXXX/16. I need this money! It took them but a nano second to take the money from my account, now why ca n't this be taken care of as fast? I am sitting with {$2.00} in my checking account and really need this money! This amounts to theft in my eyes and fraud! That they can go into someones checking account and take money out without consent and then give the consumer the runaround to get their money back is just not right! I do n't care how nice they are on the phone! I want my money and I want it back now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by 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 2016-09-24
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016, XX/XX/2016 BB & T bank charge me overdraft fees of {$36.00} each that amounts to {$72.00}. 
When I log in and open the account online and review the overdraft fee transaction in my account details it says " Your account had insufficient funds to pay XXXX item ( s ). BB & T returned the following item ( s ). 
Total Item Amount : {$.00} TOTAL RETURNED ITEM FEE ( $ XXXX/ITEM ) : {$36.00} " The message above in parentheses is ambiguous. This message is not complete. This message shows no useful information other than the amount that I am being charged. This message does n't tell me what item was returned making it impossible for me to resolve this with the party that did not receive the payment. Whenever a check is returned not only does BB & T charge a fee but the receiver of the check also charges a return item fee. And I feel that these insufficient fund charges created by BB & T are not warranted and not justified. What BB & T has done is create a very being problem that not only cost me money for their overdraft fees but cost me money for the fees that the payment recipient charges to me as well. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available ending balance on XX/XX/XXXX was {$2500.00}. My available ending balance on XX/XX/XXXX was {$2600.00}. My available ending balance on XX/XX/XXXX was {$2700.00}. I do n't understand how I could have overdrafted. I certainly had enough money to cover any bills. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available balance on XX/XX/XXXX was {$3100.00}. My available ending balance on XXXX was {$3200.00}. My available ending balance on XX/XX/XXXX was {$990.00}. I dont understand how I could have overdrafted.

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 2016-06-23
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home refinance loan and used an appraiser my lender sent. The appraisal came back significantly low and I was not able to get qualified. This was a poor appraisal because it did not accurately reflect my home worth. 
The appraiser used homes outside my subdivision even though they are still building in my area and new homes have sold. The current builder in my subdivision has starting prices higher than what I bought my house for. I contested the appraisal by submitting additional sold homes in my area but nothing was taken into consideration I submitted. My old realtor found a higher value based on sold homes in my area. My county property tax appraiser would not even honor the vendor 's appraisal because they said it did not reflect the area and did not " feel comfortable '' lowering my taxes to reflect that value. I have supporting documents but not at this time of completing the complaint. Documents can be submitted as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2016-02-21
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
they sent me collection paper work with my social security number on it .it did come in the US mail ( regular mail ) and I am concerned about this getting in the hands of the wrong people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.

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