BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: SQUARETWO FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home in XXXX XXXX 2015. We were given a payoff amount of {$270000.00}. This should have included the total amount owed to Nationstar. We surprised when we only received a refund check of XXXX instead of XXXX. These funds were in our escrow account for property taxes. Nationstar informed us that XXXX was deducted for MI XXXX in XXXX. Why they are charging us MI for XXXX is unknown if the loan was paid off in XXXX. Furthermore, they took a long time to credit the payoff to our account causing us to pay extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two loans with Lakeview Loan Servicing. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XX/XX/2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XX/XX/XXXXto both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because Lakeview Loan Servicing could not prove me wrong. Whatever, Lakeview Loan Servicing did at the time, it seem the did not correct the problem in their system. Since my last communication with Lakeview Loan Servicing in XX/XX/XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

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 2020-11-22
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and noticed a collection account from XXXX XXXX in the amount of XXXX. I mailed a letter to XXXX XXXX requesting the documents that validates this debt. They mailed me a letter back demanding my attorney contact information, and failed to send me validated proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have on several occasions sent TD Bank my new contact info. They have repeatedly told me that I have to contact another number by phone to do that. I have told them that I will not do that, as they should have the ability to make the changes. There is a section on their website that allows me to make those changes, but I have noticed on at least one occurrence that it was changed back to my original contact information. My last contact with them, I threatened to file claims with the FTC, the XXXX, and my state 's Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a checking account with chase bank, that I opened in.person. my account wasn't overdue, overdrawn and I had no outstanding balance or negative transactions. A few weeks ago I opened a savings account online via the mobile app and deposited XXXX chase money orders that I intended to use for something else bit never did. Chase restricted my account and then closed it citing possible fraud. I went to XXXX different branches and spoke with XXXX different bank managers and they both said that they were not sure why this happened even after I presented proper identification.i feel that chase has economically distimanted against me due to my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from Harris and Harris collection agency on a daily basis claiming that I owe for calling an ambulance in the XXXX XXXX  area in XXXX, I have no idea what this is for and have never ever called for this service, they obviously have the wrong person and they can care less, I have requested that they remove me from their calling list, I was told t that the company got my name from XXXX  for my name and based on that found me and keep harassing me on a daily basis, please put a stop to this type of abuse by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed a XXXX XXXX union account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.

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 2016-11-14
Company: SQUARETWO FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.

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 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2019 I was trying to take my rent money of XXXX  $ I got 4 receipts stating that it was fraud and I wouldnt be able to get the money I called boa fraud number and they said they were pending charges the charge went thru for 1 and the charge was made and I never got my money Ive called boa they havent wanted to do anything to help me I submitted a report with the XXXX XXXX XXXX and the XXXX said Bank of America was goin to call me and tell me whats goin on with my claim bank of America hasnt tried contacting me to the day I tried calling them and the representatives say they have no idea what Im talking about I been a valued member for 15 years and they dont care for me or helpin me with this problem all I want is my money back and close this bank account they are thiefs

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 2017-10-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On or about XXXX XXXX, XXXX I received a bill from Wells Fargo for {$75.00} to continue my {$100000.00} HELO, which I have never used. I called their customer service number about the charge, which I did n't recognize. They confirmed that I had paid it for the last several years. I did n't remember doing so, but I accept that I may have. Since I have never used the HELO, I said I would prefer to cancel the account rather than pay the {$75.00} fee. The agent told me she would waive the fee if I kept the account, so I agreed. This was on a recored line. 

XXXX XXXX XXXX XXXX ) I received a bill for the same {$75.00}. At about XXXX, I again called customer. The first time the call was cut off while on hold as the agent " reviewed the situation. '' On the second call I was told that indeed, on XXXX XXXX I was told that the fee would be waived, but that request was rejected because the fee is in my contract. Of course I was never informed of this change, so now the {$75.00} is past due. The agent then transferred me to a " different department '' so see if they could resolve the issue. No resolution. Given this change, I asked to then cancel the HELO. So I was transferred to a third person to close the account. 

When speaking to that person, he said he would waive the annual fee, but that I would need to pay a {$75.00} fee to cancel the lien on the loan! I asked him to read that clause from my contract. He would not, but said he would send me the contract. 

I am a Wells stockholder, and have read about the predatory practices of the bank. But here I have experienced them first hand. I have made 3 calls to simply cancel this HELO - which I never used - and I ca n't seem to get it done without Wells Fargo trying to extract unnecessary fees. 

I am indifferent as to whether I keep the account or not. I simply want to stop paying unnecessary fees.

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 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, there was a Check Cash Advance in the amount of {$3500.00} that I did not authorize from my Bank of America XXXX XXXX Credit Card.Additionally , there was a Check - Transaction Fee and interest charged for this unauthorized transaction.On XXXX XXXX  I noticed this unauthorized transaction when I saw the electronic statement.I notified Bank of America XXXX XX/XX/XXXX of this unauthorized transaction and disputed this transaction.On XXXX XXXX  I filed a police report with the New York Police Department XXXX XXXX XXXX Case # XXXX ) of this situation.The police detective XXXX advised me to call BofA to gather more information on this transaction, i.e. who the Check Cash Advance was made out to.BofA refused to share any information with me and has notified me that my fraud claim has been denied via a recent phonecall and to wait for the written denial via mail. 

On XXXX, I received a letter from Bank of America though the mail. they denied my claim because : the merchant provided receipt ( s ) with a signature that appears to match mine. at the same day, I called the Fraud department request copies of the documents they used to make decision and reopen the case. However until XXXX, XXXX XXXX  still not received these documents. 

On XXXX I called the Fraud department again, one suervisor finally gave me the information of the this check made out to. I shared this information to XXXX XXXX though the email today. 

Even though this case under the research, but the Bank of America email me the statement {$3500.00} plus interest.

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 2015-11-12
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I was formerly a Scottrade customer and part time Scottrade intern at the XXXX XXXX campus - and I can not say I am surprised that this happened. 

Scottrade 's customer support has always been horrendous with managers placing emphasis on an unwritten policy to not deal with any dispute if it requires significant resources. Managers have cut the Scottrade support staff to a minimum and instructed employees that if a customer is not satisfied - " force them to use arbitration ''. The corporate culture is all about profit - not a minute is dedicated towards customer satisfaction. 

In terms of cybersecurity, Scottrade is at best below par, at worst, utterly incompetent. I have now moved to the Cybersecurity business and have analyzed complaints against Scottrade as well as their statements in an effort to research the industry and found some very disturbing things. Like others has mentioned, it took Scottrade more than two years to discover the breach, they refuse to give details, and do not provide retroactive identity theft coverage - but there is much more. 

1. ) If you XXXX " scottrade muckrock '' you will see that a number of complaints submitted to the SEC and forwarded to Scottrade have directly reported the failed cybersecurity infrastructure and corporate ignorance. If you file FOIA requests with the SEC you can obtain more information. 
2. ) An associate of mine was a victim of an " account takeover '' in 2013. His Scottrade account was hacked and over XXXX dollars was stolen. Scottrade refused to acknowledge the fraud and claimed on numerous occasions that their cyber systems are " flawless ''. 
3. ) Also reading complaints about Scottrade and researching their computer networks, there are STILL security vulnerabilities in Scottrade 's systems that allow fraudulent ACH transfers, fake account, and market manipulation. 

To everybody that has decided to leave Scottrade - Good for you. 

To everybody that is decided whether to go elsewhere - There are numerous other options available, choose somebody that offers two factor authentication, that is generally an indicator that they at least have a half-way competent cybersecurity department. 

To everybody that is still doing business with Scottrade - If things go south, expect Scottrade to XXXX you in an efforts to protect their profits and avoid liability.

Company response to consumer: Closed
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Debt collections have a bunch of discrepancies and failed to give me proof that the debt collections are mime. I would like to have the derogatory remarks removed from my credit report.

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 2020-01-03
Company: EQUIFAX, INC.
State: FL
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 in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX/XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX/XXXX   make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX/XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN and XXXX both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX  dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine.

2 -proof that you own this debt with a clear title of the debt. 

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name.

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. Experian keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.

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 2020-01-03
Company: Experian Information Solutions Inc.
State: FL
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 in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a Webbank/Fingerhut customer in good standing. 

Thank you for your consideration, XXXX XXXX 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