BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I began the process of refinancing my current reverse mortgage in XXXX, I was informed in early XXXX that the loan was approved and everything was moving on fine, we were just waiting for the appraiser and the property survey. I paid {$2400.00} on the survey which took everything from my emergency funds. This was done in early XXXX, what they were wanting was for someone to tell them that Zone D was not used in this area. I contacted HUD and they sent an email informing the underwriters that the flood mapping was not used in this area as there was no way to get certificate of elevation. I have been calling everyone I could think of trying to find out if there was such a thing for the area I live in and not even the County offices of XXXX XXXX has this information, this in an unmapped area and covers all of the unincorporated areas. I was told in the middle of XXXX that the paperwork from my original reverse mortgage will be used and the loan could continue. Then at or around XX/XX/XXXX I got an email demanding a statement from someone the the Certificate of elevation be written by someone, they had me call my insurance company, the FHA, HUD or anyone else that just I am above the 100 yr flood zone. I have sent all information that is on the FEMA web site that states there are no information regarding the flood level in zone d. Therefore I am not able to provide them with the certificate they are requiring when it does not exist. I feel that the underwriters are only following what AAG has in their manuals and refuse to accept the fact that this can not be done and are not using due diligence to take further steps to check that the information I have given them is true. They have refused the approval of the loan until the receive something that does not exist. I am a the widow of a XXXX XXXX on a fixed income, they have already made me use my emergency funds for the survey and holding at least {$11000.00} in a trust account to pay property taxes for which I am exempt from paying. I feel that I am being discriminated against because of a Certificate of Elevation which does not exist. How can they demand something that doesn't exist then refuse to approved the closing of my loan when I already have a reverse mortgage with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So of course I put a complaint last month against my mortgage company Mr. Cooper and seems like I have to do this every month. I was approved for the Florida home owners assistance fund for XXXX past due payments and forward payments .they were bad paying in XXXX. I filed a complaint and they payed it. They didnt pay XXXX but they have payed other customers fir XXXX. This is inexcusable and they are a terrible company .lets face it, everyone complains about them. Just pay the XXXX payments because I am not paying the late fees. Thats there fault and they have the money, dont let them fool you. If you look at the payment history the last few months. They have that money, they must be collecting interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TD BANK US HOLDING COMPANY
State: NY
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 paid {$3000.00} to TD bank at the same time they charged off the debt to XXXX XXXX whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to TD band and XXXX XXXX but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?! 
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - 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
Consumer complaint received 2017-03-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter. 
XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally. 
On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ). 
I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored. 
This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Navient Solutions, LLC.
State: CA
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:
I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is regarding Experian and their methods/means to place, remove and confirm status of freeze on my credit report. 

For many years I have frozen my credit reports with XXXX XXXX, XXXX  and Experian. XXXX XXXX and XXXX provide on line methods or simple call in methods to confirm, place or lift freeze status on my credit report. 

Experian provides no such easy access on line for placing, removing or confirming freeze. There is a call in option, but, there is no method to confirm a freeze removal has been put into effect. Add to this, Experian provides no readily apparent phone number to call in and speak with a person if you are not a paying customer. 

My issue. 
Experian controls a major portion of my, yours and all others financial flexibility. Our credit report should be able to freeze and unfreeze, as well as find status of same, at a moments notice with no more effort than providing proof of identity. 

The other two services are not superior performers in this area either, but, their sites are able to allow alterations and confirm status of my credit report freeze.

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 2022-04-14
Company: Aspen Yo LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Gregory Funding purchased Mortgage from XXXX XXXX XXXX XXXX. Gregory increased our escrow by over $ XXXXyear stating XXXX XXXX did not pay our property taxes and that we were in arrears. I requested and RFI from XXXX XXXX and the document confirms taxes were paid in XX/XX/XXXX ( due XX/XX/XXXX ) {$4100.00} and XX/XX/XXXX there was an escrow disbursement of {$4700.00}. During the RFI process we were also charged {$2500.00} in legal fees for which XXXX XXXX will not provide details of. They responded that we would have to inquire with Gregory Funding what the legal fees XXXX XXXX charged, as they are no longer the servicer of our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have multiple credit cards that have been charged off on my credit file. All go the charged off account were open in XX/XX/XXXX between the XXXX and the XXXX. These are all showing on my Experian credit file and I have disputed them multiple times between XXXX XXXX XX/XX/XXXX. Experian keep saying that they are verified and the account are mine and accurate. I have written certified notices with return receipts that show they received my information. The information that was sent was a valid police report and FTC file. I provided a certified police report and FTC report. I have had my identity stolen and an arrest was made, all of which was included In the police report. Additionally I am receiving restitution payments from from the defendant through the XXXX court house. I am aware that Experian is not verifying this information and I am contacting their data furnishers and it has been reported to me by letter that has been not open dispute in these accounts.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX  XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I had spoked to TransUnion on XX/XX/2021 and XXXX that XXXX XXXX  supervisor gone say that they aint got to to be listen to know FCRA or know body else. XXXX was a XXXX XXXX  talking about dont know laws run his company do what they want and they don't listen 2 nobody. I am like you messin my life up reporting this wrong stuff on my report he like thats you problem I asked him why dey dident accept my Identity Theft report he said cause dey can wait 30 days not no 3-5days and people cant be telling them how the Law work.

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: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting a debt that was removed from my credit due to a violation of the FDCPA/FCRA. This needs to be removed before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/12 a XXXX ( IRS form ) was issued to me for a HELOC / 2nd mortgage dated XXXX from XXXX California. 
Ditech aquired my loan approx. XXXX Ditech hired XXXX XXXX Co XXXX to collect on the canceled debt. 
I have spoken to Ditech several times over the years. My tax account has contacted Ditech, explained the 1099-C IRS form to them. Can not collect on a written of debt.

Shellpoint will not release a lien on my property. I have sent copies of all the account transfers to Shellpoint.

They are stating the account number on the 1099-C do not match the account number they have on file. The original account has been transfered to various companies 3 times. I have given this information to Ditech. Now I am trying to refi my home and they want the original amount paid. At this time I am unable to refi do to the illegal lien. 
The debt was written off XXXX- still to this date Ditech is demanding payment.

The statue of collection has expired. Shellpoint has gone as far as to say I have had 2 HELOC 's

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 2021-08-30
Company: Experian Information Solutions Inc.
State: NC
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:
Experian and ONLY Experian shows 14 accounts that are not mine. addresses phone numbers names and employers that are not mine. They state they mixed up my report with someone else. This has dropped my credit score from XXXX to XXXX! I also can not access their online tools to dispute as I can not pass the verification as none of these accts are mine.

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: 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:
Credit card has been charged since XX/XX/10 from XXXX XXXX, on line. Bank of America has reimbursed charges and changed credit card 3 times since. XXXX  continued to make fraud charges, from {$1.00} to {$8800.00}. BOA refunded all the small charges and decline the claim for the {$8800.00}. I closed the account but they are charging me for late payments

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 2021-08-30
Company: EQUIFAX, INC.
State: TX
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 spoked to dem tuday and XXXX was rude as XXXX and hung up on me and said you people thenk yall know so much but dont im like why yaw aint process my id theft affidavit he like we got 30 days you peeople think dat you tell us how to do are work im like the law tell yaw how to due yaw work he like nope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i received a text message saying WeIIs Fargo AIerts : A hold has been pIaced on your account due to recent payments, visit XXXX to remove the hold. when i do not own a Wells Fargo account. i would like to know alittle more information on what i can do, thank you.

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