BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: RAB, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX is an employee of RAB Inc. We have now asked him and his organization to take us off his list and to stop all phones calls on at least 5 occasions. 

He calls us over and over. Leaving very threatening messages. He contacted me today by making it look like my office called me. While he was on the phone with me, he pulled up my address, my auto mobile, my wife and her birthday, and while talking to him, he began pulling up my home, home value, address, car wife 's car and threatening both me and my wife. 

This man is not only a criminal but he is very dangerous. He calls me and I am not even an officer of the company that he says owes the debt. He calls the owner, employees who do not even know about the situation, companies he finds on our websites, and harasses and threatens each of us. This company and this man is very very dangerous. We have asked them now to stop calling for several weeks. They refuse and now are threatening our families. I feel I should start carrying a XXXX. 

Imagine a stranger calling you who you owe nothing and have never met, and they start telling your address, home value, the cars you drive, license plates, wife 's name, my dob, my wife 's dob, and then yelling at you calling you a criminal over and over.

Would you find this threatening? Would you feel endangered?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have two credit card accounts, two checking accounts and one savings account with Bank Of America. Without warning, they closed my two credit card accounts. On XX/XX/XXXX, when I called to ask why a charge on my credit card had been denied, they advised me that all of my accounts were being closed, including my checking accounts and my savings account. I asked why and was told that the bank has made a decision to close my accounts. They would not provide any other information. They would not allow me to speak with a supervisor. The following day, on XX/XX/XXXX, my husband and I went to a branch office and spoke to someone who said the same thing. They also would not provide any additional information. We were told that our checking and savings accounts would be closed as of XX/XX/XXXX. My bank accounts have never had a negative balance. I have no had a NSF notice in several years. I don't have a lot of money in my accounts, but I have a balance in all of my accounts. I pay my credit cards and have never been late with payments. 
On XX/XX/XXXX, I received a letter notifying me that my accounts had been closed. The letter also advised that the bank may report these account closures to agencies that may affect my ability to open an account in the future.

I have been banking with Bank of America for almost 40 years! I have no idea what is happening and I am concerned about my credit rating and how this will affect that.

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 2022-08-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: ERC
State: DC
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:
In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
THIS IS NOT A DUPLICATE : I recently submitted complaint XXXX against Loan Care for not forwarding my {$2000.00} ( sent XXXX/XXXX/2016 ) payment to my new servicer XXXX. I found out today that they finally did forward the payment to them, but {$170.00} short. I sent my payment for {$1700.00} with an additional {$200.00} additional principal payment. Today I received a Loan Statement from XXXX showing that they only received {$1700.00} plus {$31.00} additional for principal posted on XXXX/XXXX/2016, almost two months later. Consequently, they have pocketed {$170.00} that should have gone to my principal. They are also applying my principal payment almost 60 days late.

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 2020-03-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to obtain a payoff from XXXX servicing sinceXX/XX/2020. As of yesterday XX/XX/2020 they have not issued the payoff to us or the customer. We have confirmed receipt of our payoff request on XXXX in which we were told that they had a 2 business day turnaround time ticket number ( XXXX ), when we followed up on XXXX we were told that their turnaround time is closer to 5 business days that that the additional time was because they had to hand calculate the additional balance and we were told that we would receive an email confirmation once the loan servicing has been handled, which did not happen. On XX/XX/XXXX we spoke to a representative that stated that all payoff requests are delayed at this time and the representative couldn't give us an ETA and could not escalate any further without the borrower calling in EIGHT business days after our initial request. The borrower called in on XX/XX/XXXX and was told that they had never received our payoff request and that they could not help her at this time. She had tried numerous times afterwards and was hung up on and told that the payoff " would be faxed as soon as they were off the phone '' we have still not received the payoff request ( right now it is XXXX on XX/XX/XXXX ). The borrower is selling this property and simultaneously purchasing another and is at risk of being in breach of contract for both due to the negligence of this servicer. It has been 12 business days since our initial request for a payoff, which is a reasonable amount of time to give the servicer to complete this task.

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 2016-04-13
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
BBVA Compass froze my BBVA Compass XXXX XXXX XXXX credit card account in XXXX XXXX and closed it a few weeks later. I had a - {$500.00} ( a negative balance ) on my BBVA Compass XXXX XXXX XXXX credit card account that I tried a few times to request a balance refund check for that amount, but customer service never managed to process the check because they explained to me that my account is now in a special department, and they need to process and approve issuance of the check. I could never contact the mysterious special department and was not issued a balance refund check. So the negative balance was sitting in my account for a while, until XXXX XXXX, XXXX when a mysterious charge posted to my account for the exact amount of {$500.00}, making the balance of my account {$0.00} and essentially seizing all the money that belonged to me. I contacted BBVA Compass several times inquiring about the transaction and nobody could explain to me why a transaction posted to my account in XXXX XXXX, XXXX, and whether and when they are going to send me a balance refund check for the negative {$500.00} I had in my account. I have attached a statement for XXXX XXXX, XXXX XXXX, XXXX period which shows there was a negative {$500.00} balance on my account ( meaning the bank owing me that amount ). I have also attached summary of details of transaction that posted to my account in XXXX XXXX, XXXX seizing the negative balance from my account. 
I demand BBVA Compass to send me balance refund check for {$500.00} which is the amount they owe me because of the negative balance on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our former bank, BBVA Compass, notified us that they would begin charging us a monthly service fee effective XXXX/XXXX/16 if our balance with them fell below a certain amount. To avoid this, we closed our account at that bank in XXXX 2016, and in doing so, paid off the outstanding balance on our Overdraft Line of Credit associated with that account. 

In XXXX 2016, we received dividend payments via EFT transfers that were directed to this now closed account. Rather than reject these payments back to the originator because the account was closed, BBVA Compass elected to open a bank account in our name, illegally, without our authorization, without notifying us and by reusing our old account number in order to accept the credits. 

As the balance in the illegally opened account fell below their minimum requirements, BBVA Compass assessed us their service fee in late XXXX. This fee caused our account to be overdrawn, so BBVA Compass advanced funds from the Overdraft Line of Credit that they established, illegally, in our name, without our authorization and without notifying us they did so. Subsequently, we received a notice re : the Line of Credit Advance from BBVA Compass ; we then contacted them to learn what had happened. 

Because our account was closed, BBVA Compass should have returned/rejected the initial EFT transfers as required by standard XXXX regulations and sound business practices. They should not have opened a new bank account and established the Line of Credit on our account WITHOUT permission and notification. They have indicated that they will not acknowledge these errors are their fault, nor will they reverse the transactions processed into these illegally opened accounts. 

How many other customers has this happened to? We are insisting that the bank refund our credits and delete the charges. The bank is opening up accounts in clients names without their knowledge just like XXXX did to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN. 
THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been consistently been dealing with Ocwen Mortgage Company with the very problems you cited them on in the lawsuit. ( 1 ) Claim that I signed a 5 year agreement to be off of my fixed mortgage rate to 5.6 % or higher so the letter says. I did not sign anything. Why would I want to change from my 4.2 % fixed rate of 13 years. ( 2 ) After much investigation, they were charging me for phone payments I never made. ( 3 ) The phone charge was taken out of my mortgage payments which it does not say on their phone payment service. ( 4 ) This resulted in not fulfilling my mortgage payment plan because they said the full payment was not made. They charged me with additional fees. With the help of XXXX consultant all of my information was verified because they handle my mortgage payments. It was also found that they were trying to get money out of an account that was not mine. They refused to change to correct the information in their system until the bank let them know they too would file charges of fraud. Because of this, they made me send my payments via XXXX. but, it was signed for as recieved but put on my account as late because it took XXXX days to work thru their system with the incorrect information. This company is terrible. How are they still allowed to get away with the things they have been cicted on. Something on a federal level needs to done. I should not have to fight this battle alone. The only person that agreed to help me straighten out this mess was XXXX XXXXXXXXXXXX. She has alot of my his tory and results of this mess, but her company is at it again with another act of fraud. I did not sign a 5 yr. plan. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 m- Fraudulent lending or issuance of credit and then retracting the credit or closing the account completely without checking in with me as to what the exact situation was that I am currently facing. When i called cITI Bank they gave me only one option and that is to apply for a new card. 
They had closed another credit card of mine almost exactly a year ago as well without any discussion around any issues that may be faced with personally, any option as to keep the account open or get it back in a good standing position where they do not close the card. 
Last XXXX i had an ATV accident, where i had a XXXX XXXX XXXX XXXX that required XXXX to repair and no work or any physical anything ( 6 months can't lift or use the XXXX  where there is over 1 pound of weight involved, and prior had a 3 month stint of having my XXXX  completely immobilized and prevented from moving/using ). 
As XXXX XXXX XXXX XXXX that is an XXXX  XXXX, when i am not able to work - I can't make any money. Therefore there was a period of time where i was getting behind on some things as i waited and jumped through the necessary hoops for my XXXX insurance to kick in or payout. 
But as a XXXX XXXX XXXX to have recieved credit card offers after credit card offers from Citi Bank - where I was completely accepted for a credit line of {$1500.00} - {$2000.00} + between the two credit cards with Citi Bank alone. Of course when i was working and things were going well. But the second i get hurt and can not work or income lessons they close my accounts completely, thus causing my debt to credit available go completely down and further looking worse for me when trying to obtain other financing or credit for both the business itself and me & my family personally.

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 2017-10-14
Company: Experian Information Solutions Inc.
State: GA
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 contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Experian : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and 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