BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a mortgage with Wells Fargo in 2008. We applied for modification. I called every week to check status. Finally a lady told us your house was foreclosed and sold!!! We were flabbergasted! We never received any notice or information. We went to an attorney who said we could sue for loss of our home, but then they could call the loan ( XXXX ) and did we have that amount? Of course not! So our home with XXXXXXXX XXXX was foreclosed and sold in error and I want restitution!! They foreclosed our mortgage in error and government paid them the FHA. balance.

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 2016-10-08
Company: NCC Business Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX / XXXX XXXX XXXX at XXXX account number # XXXX has placed XXXX collection charges claiming that I, XXXX XXXX owe monies. XXXX is placed for {$1000.00} and the other is placed for {$6000.00}. These accounts are INVALID/INACCURATE ACCOUNTS AS I HAVE NEVER HAD AN ACCOUNT WITH XXXX. 

This collection agency also reports itself as NCC Business Services. 

I have disputed three times with XXXX to have this information deleted as it appeared on my credit report on XX/XX/XXXX and it was previously deleted when it first appeared on or about XX/XX/XXXX. The CRA refuses to delete it claiming the debt is verified by XXXX XXXX XXXX with my name and social security number only but yet has no proof of the debt. 

I contacted XXXX XXXX XXXX via phone on XXXX/XXXX/XXXX and they told me that the debt is mine yet made no attempt to try and collect a payment. I requested proof of this debt over the phone be mailed to me ( meaning signed legal documents or contracts and lease, past payments to this creditor etc. ) and they have failed to provide any proof. I emailed them a request for proof of debt and they do not acknowledge this debt nor have any documents to prove other than stating my name, and social security number match. 

Since they can not provide legal proof this debt must be and should be deleted from my credit report. 

I have attempted three times to get this removed and they refuse to respond and have also claimed they have mailed out information to me in XX/XX/XXXX which they never have, but yet are n't trying to collect any payment from me when i demand information. They ca n't produce the information. They are lying and damaging my credit by reporting a false collection. 

I contacted XXXX as well who XXXX XXXX XXXX claims the debt is with and they also have no proof of legal binding lease or contract or any of my personal IDs, past payments etc. 

This is illegal and XXXX XXXX XXXX is reporting false information. XXXX accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My name is XXXX XXXX and I've been a Bank of america customer in good standing since XXXX. Around XXXX XXXX XXXX I went to use my ATM card to get cash which was successful and then I went to XXXX in XXXX, Maryland and tried to use my card and it was denied so I tried a second time also denied. I received a text and it was from bank that I needed to call do to security problem. Called number and was asked several questions and was then told you are okay and you can use your card now. Tried again and it was denied again so I gave up and returned to my car. Called bank number from my car and they told me to go to my local bank and tell them what's going on. Went home, fed dogs and proceeded to drive back to my local bank. Once inside I talked to clerk and he said something wasn't right and I needed to talk to manager. I went and waited and manager came over told me to have a seat and asked me where all did I use my card and I told him and he made a call to corporate office and then he asked me if I wrote anf checks today and I said and he said well a counterfeit/fraudulent check was written by me today and they were proceeding with closing my account. He told me to go home and call this number to corporate office. I was shocked and upset and once I got home I thought what am I going to do, no bank, no money till XXXX  of month. Called number and they were really nasty with me accusing me of something I did not do. They put a hold on my account until they could close it, told me to cut up bank cards and checks and I had no more access to my account. So, thank XXXX for friends who loaned me money to make it a month without. XXXX  XXXX XXXX my tax money went to bank of america and I can't get that either. I'm really stressed and upset, really put me in a hardship position.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To the office of the Cmptroller of Currency ( OCC ) I was recommended by the U.S Department of Justice Consumer Protection Branch Civil Division of XXXX. To file a complaint with ou concerning XXXX XXXX XXXX and Carringtion Mortgage. I have proof and suspicion of fraud with these companies and I feel as if I was discriminated against by them. My home have been in foreclosure for five years since XXXX to XXXX XXXX, XXXX. We were recommended by XXXX XXXX XXXX to apply for a loanmodification to help us save our home. We applied for modifications overthree years. All of a sudden we receive a letter and a phone call from Carrington Mortage saying they want us to start mailing our mortage payments to them. We responded to Carringtonsaying We never came to an agreement on a mortage payment or modification. We were lead to believe that they wre the new owners of the property but they had no information on the property so we were lead to believe they were trying to help us to save our home by asking us our information, and we began to give them our personal information, only to find out in the end they were using our information to build their case to get the home from us. We asked them for a copy of the original deeds, and they sent us drawn up papers with our signatures that we never signed. They copied our signitures from other papers. The house was up for sale because of foreclosure Carrington then purchased the home themselves. Why would you buy a home that you already own?. We continued to live in the home, because the home was stilll in our name. Carrington then told the tax office to send our tax papers to them. Still unable to prove the home is theirs. I have proof of fraudulent use of flase documentations used against me to get my home, and contradicting every thing they 've said in the end the way thta they got my home wasw throught lying to the court saying that I did not pay taxes for XXXX. I filed for tax exemption and I was tax exempt in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. 

About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. 

About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. 

On XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Applying for a mortgage and credit report came back stating that Compass Bank reported I have been delinquent on loan since XX/XX/XXXX. This is not the case. Compass Bank Home Equity Line of Credit account number XXXX was closed XX/XX/XXXX. This is reporting on credit as a new delinquency when delinquency occurred XX/XX/XXXX. I filed a complaint with XXXX in XX/XX/XXXX as I uncovered Compass Bank was reporting I owed {$21000.00} a month - hurting my DTI. They corrected this issue as it now reports I owe $ XXXX but created a new problem as the date of my last delinquency is now reflected as XX/XX/XXXX - the date they corrected the $ XXXX reporting. The date of my last delinquency should be reported as the XX/XX/XXXX date, not the date they corrected my original concern. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/, I fell victim to an internet fraud scheme whereby I was duped into wiring a large sum of money ( {$54000.00} ) from my XXXX XXXX XXXX XXXX XXXX checking account to what turned out to be a fraudulent account at Bank of America ( see attached IC3 report ). Luckily, our local XXXX, CA BofA branch was able to intercept and freeze that account while my funds were still there. After filing police and IC3.gov reports, I was told that BofA should soon return the funds to my credit union. After waiting nearly two months, I was informed by my local BofA branch that a Hold Harmless agreement was being requested by BofA to my credit union but BofA never actually reached out to my credit union directly. After another two weeks, through the help of the XXXX XXXX XXXX XXXX XXXX XXXX, an FBI investigator got involved and was finally able to get the XXXX and BofA fraud depts to work together to get the Hold Harmless agreement from XXXX to BofA. However, it has been almost 3 weeks since the BofA investigator has returned the FBI investigators calls to verify that the Hold Harmless issue is unblocked and that the return of the funds is in progress. I was even given a case number by my local BofA branch but when I call the BofA Wire Dept, they admonish me for even having this case number and tell me that they will not give me any information. At this point ( soon to be 4 months since the ordeal started ), I have no idea when or if my money will be returned. I feel like I've been victimized twice : first by the original perpetrators and now by BofA. They have no right to hold onto my money. If I could just get some indication that the process for returning the money is unblock, and maybe an estimated timeline, I would could relax and wait. The stress of this ordeal is starting to effect my health.

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 2022-10-02
Company: SYNCHRONY FINANCIAL
State: FL
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:
Good day. I purchased a refrigerator with a warranty at XXXX  's in XXXX XXXX Florida. on XX/XX/22 for a total amount of {$1000.00} ( this includes taxes and a 5 year warranty which was {$150.00} ). The fridge was returned on XX/XX/22, within the grace period as acknowledged by XXXX  's who issued the refund. I have a signed receipt to support this. However, XXXX  's only credited my account {$800.00}. I was under the impression that this was the full amount and also included a refund of the 5 year warranty for {$150.00}. This was not the case and I received a credit card statement in the mail in XXXX from Lowe  's / Synchrony Bank stating that my account was past due. It was unbeknownst to me that I had a balance on this account since I was under the impression that I was issued a full refund. I have called the company in an attempt to resolve this dispute. This was done on XX/XX/22. I spoke to XXXX XXXX XXXX XXXX  XXXX ). She said the company would investigate it. However, I am very concerned that it may not get resolved satisfactorily, which is why I am filing this complaint. Also it has impacted my credit. My XXXX went from XXXX  to XXXX. This is very detrimental to my financial life and I need your help to correct this. PLEASE HELP. My phone number is 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 monetary relief
Consumer complaint received 2015-04-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services XXXX XXXX XXXX XXXX Ca XXXX this past month. I payed them via their web site for this month. Got a bill today for two payments. My bank shows the payment going through. I have tried to contact these people for the last two weeks but just get put on hold for literally hours, without being able to speak to any one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Stellar Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They sending a bill i dont owe at all, they just post it on my 3 credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
documents would be given to servicer on time and I never got notification in writing on the days of that my loan modification application has been satisfied or complete. I do recall getting emails stating to log in onto the Mr. cooper website but no document until AFTER a decision was made and this has cause a lot of harm because of the inaccuracy and untimeliness of the loan servicers employees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my most recent Transunion. I observed several inquiries that are being displayed that I do n't recall giving the authorization or consent. I have made Transunion aware of this situation is XXXX 2016 and they continue to not conduct a proper investigation. Furthermore, I have informed Transunion that if the inquiries are found to be legitimate to please mail me the documents so that I can determine its validity. Transunion actions are having a negative impact on my credit worthiness and credit score by its failure to comply with the FCRA.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : PORTFOLIO RECOVERY # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CONTACTED COMPANY THEY WERE UNABLE TO LOCATE THE ACCOUNT THIS REPORT IS REGARDING GIVING ME NO WAY TO DISPUTE WITH THEIR COMPANY. HOWEVER WAS ABLE TO CERTIFY ITS ACCURACY THAT I INFACT DO OWN THE ACCOUNT AND AS A RESULT NO CHANGED WERE MADE ON MY CREDIT REPORT WHICH SHOWS THIS AS A NEGATIVE DEBT COLLECTION OF {$1000.00}..

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 2023-03-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans were transferred to Mohela last year. I have been working in public service since XXXX and have made qualifying payments for years. Prior to Mohela, my loans were held by XXXX then XXXX. I was enrolled in XXXX and XXXX, working full time, and making qualifying payments. Furthermore, I was told that the COVID relief program meant that each month of relief would also count as a qualifying payment. My qualifying payments should be XXXX, but on XX/XX/XXXX -- 6 months after I submitted my paperwork -- I was notified that I have only 13 qualifying payments. I have tried to contact MOHELA customer service and was on hold repeatedly, then told that I need to call back another day. I asked why someone couldn't call me back and I was told that they had too many calls, which makes no sense. They are a financial company and surely are able to take a message and call a customer back. I feel mistreated and defrauded. Any help you can provide would be great. Thank you.

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