BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In response to SPSs responses of XXXX and XX/XX/XXXX, they continue to state, You also raised several claims regarding fraud. We have reviewed your claims and found no merit to your allegations. SPS is confident that the servicing of the loan by SPS has been compliant with all applicable state and federal regulations. I continue to make these allegations and further reiterate SPSs complete incompetence in responding to legitimate questions regarding their fraudulent activities which go unanswered. On XX/XX/XXXX, I wrote, Also, BPOs are riddled with errors, e.g., the property has no well, one BPO has repairs needed, others do not, property is not the property described in any of the alleged notes and several state XXXX acres and others state XXXX acres. BPOs are completely fabricated and erroneous. And thirdly, persons conducting inspections are trespassing on private property by their own admission. Although they state they leave pamphlets at the door, not one has been discovered. Cease and desist any and all inspections/BPOs immediately. These concerns were never addressed in SPSs response of XX/XX/XXXX. 

On XX/XX/XXXX, I wrote, On XX/XX/XXXX, the Estate of XXXX XXXX XXXX received correspondence from SPS stating, " ... This letter is to notify you that the ownership of your mortgage loan has changed. The terms of your mortgage loan have not changed ... '' " ... The ownership of your mortgage loan has been transferred to XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX does not make mortgage loans but instead purchases, or is otherwise assigned, mortgage loans from lenders and other entities ... '' If that is the case, then why is there a XXXX XXXX  Mortgage Assignment ( XXXX ), holders of XXXX XXXX XXXX, dated XX/XX/XXXX filed with the XXXX XXXX, NY land records. This assignment is fraudulent and needs to be removed from County records, along with a Corporate Assignment of Mortgage, dated XX/XX/XXXX. SPS has not responded to this fraudulent activity and the Mortgage Assignment remains on record ( see 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 2020-04-01
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had been furloughed due to Coronavirus shutdowns. On XX/XX/XXXX, I contacted my student loan private lender since I had mailed my loan payment but due to no longer being employed I am unable to make the 2 large payments I had intended. Since the checks had already been sent for deposit they advised I stop payment. My bank charged me 2 stop payment fees of {$35.00} for a total of {$70.00}. I called and discussed the circumstances and hardships I am facing. Initially I was told Id have to wait for the fees to be applied. As a member for over 15 years, I called again on XX/XX/XXXX and asked for fee forgiveness considering the unprecedented events. They were unwilling to consider forgiveness.

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 2021-08-02
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, I received an email that my email has been used to open a Chime checking account. Although the email is mine, the account is under my husbands name. I have never heard of this bank and never have opened an account with them. I tried using password recovery with both the last 4 of my ssn and my husbands ssn and neither worked. The checking account is clearly made with someone elses stolen SSN. I tried emailing Chime customer service but they refuse to close the account without me sending them photos of my full Drivers License and Social Security card. I refused to do that stating that since I am not a customer with them, I dont feel comfortable handing over such personal information. They should be checking whether the social security numbers being used to open accounts with them match the names being used. They are clearly not doing this and encouraging identity thieves to use their institution. I have sent a total of 22 emails within the last 4 days trying to resolve this and each time a different customer service person responds, asks for more personal info and then I never hear from them again after I refuse to hand over that information. I need help to close this account and this bank should be fined for not doing any due diligence when new accounts are being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I received a letter from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX, Tel : XXXX informing that effective XXXX/XXXX/2015 our HOApayments will be sent to Bank United and asking to discard the old coupons withthe information for XXXX. When I visited XXXX website toschedule my payments online, I found a convenience fee as follow : standardprocessing new bank account {$3.00}, credit card {$9.00} ; express pay new bankaccount {$9.00}, new credit card {$9.00}. Please note that with XXXX wedid not have any fee when paying online. This is a rip off, please stop them. 
For security reasons this is an anonymous report. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 More than 30 days ago, I sent the attached letter disputing several items in my credit report. Because they did not advise me of the results of my investigation within 30 days, the Fair Credit Reporting Act requires that they delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I borrowed from XXXX towards my XXXX education at a XXXX DC university. While I defaulted on my loan payments in XXXX, I reached a settlement of my debts via a separate debt collection agency in XXXX, which I fulfilled completely by XXXX XXXX, per the settlement agreement. However, the collection agency claimed I still had outstanding debt, and when I asked for them to produce evidence of said debt, they refused. Since then, a handful of rotating debt collection agencies have sequentially attempted to collect this already-settled-and-paid debt. Most recently, I have received phone calls from an agency with no written correspondence to identify the presumed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXXXXXX XXXX XXXX inserted my parents address on my credit report and sent 4 letters to their house, which I was unaware of until almost a month later. There was no communication from that address and no reason for them to assume I would even get the letters. I feel like this is a shady attempt to get a default judgement against me without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/2021 WE UBEREATS ACCOUNT WAS HACKED AND CHARGED {$150.00} FOR FOOD PURCHASES IN PENNSLYVANIA AND OHIO. I CONTACTED BANK OF AMERICA AND OPEN A DISPUTE. I RECEIVED A LETTER FROM BANK OF AMERICA THAT UBEREATS PROVIDED DOCUMENTS THAT THE CHARGES ARE VALID. THE DOCUMENT I WAS SENT SHOWS A DIFFERENT PHONE AND STATES THAT THE ADDRESS WAS NOT PROVIDE AND THE POSTAL CODE DID NOT MATCH. I DON'T UNDERSTAND HOW IT WAS DETERMINED THAT I ORDERED FOOD IN STATES I DON'T RESIDE IN AND I HAVE THE CARD IN MY POSSESSION

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 2021-08-02
Company: EQUIFAX, 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:
Richcard Saint-Albord XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Lost or stolen check

Complaint:
Hi, the reason I am asking for help is because : every month I buy a chase cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to chase bank to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a XXXX XXXX XXXX ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at chase bank but cashed in XXXX XXXX bank. I was given a period of 120 days for resolution and during these 120 days I have been calling chase twice a week with no update except for chase saying that they have emailed XXXX XXXX 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' XXXX XXXX into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed in the first place and how little Chase is doing to try to recover the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following ( attached is a complaint just filed which I meant to identify as a DUE DILLIGENCE issue with the application process. ) Please see attached I want to reiterate again that Wells Fargo is acting in retaliation and discrimination because where I bought my home was a predominantly XXXX XXXX neighborhood and because they are upset that I have been trying to modify and keep my home.

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 2021-08-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
At the time of purchase of the vehicle XXXX XXXX lead us to believe that XXXX XXXX my daughter was the head of contract and I XXXX XXXX will be the Co Signer, Later to find out he switched the info the other way around. Also later after we have retrieved the vehicle I learned that the vehicle was never smoged and the car was not all the way registred through the DMV because it has not been smogged. It is illegal to sale a car from a car lot with a certfied smog. I notfied XXXX that the check engine light was on and that the car was leaking from the coolant reservoir tank. He had paid a smog place XXXX dollars for am illegal smog. The address of the smog place he went to is XXXX XXXX XXXX XXXX XXXX, CA XXXX. He has been sending Text messages from his cell phone XXXX stating Lets hack this situation, I 'll will send you the bill of sale and in the bottom youll read i appoint XXXX as my power attorney to finish all documents in this manner. I 'll email it soon. Im protecting myself from legal issues. Also the dealership is not on a lot. It is a house that he live in with his wife and XXXX dogs and a horse. XXXX has lied to me and the financial company, He is not operating a real legit business. I feel I do not owe Lobel Financial XXXX XXXX does. He lied to them as well as me and they released funds to XXXX XXXX owner of XXXX XXXX XXXX, XXXX that he used to get married. I put XXXX down for the vehicle. I want my money back I put down on the vehicle an the money I have to spend for repairs for the vehicle can pass smog.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief