BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I received a {$25000.00} loan from XXXX XXXX XXXX XXXX XXXX to fund a new construction pool at my residence ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). The loan number is XXXX and was funded on XXXX. On XXXX XXXX XXXX filed a 'Deed of XXXX ' with XXXX XXXX and the recoding number is XXXX. 

On XXXX I took a {$65000.00} second mortgage with Ditech XXXX XXXX Mortgage XXXX XXXX Ditech loan number XXXX ) and they paid off the XXXX XXXX XXXX XXXX XXXX loan listed above. However, XXXX XXXX did not submit a 'Deed of Reconveyance ' with XXXX XXXX after the loan was paid. 

I can not sell my home and/or refinance my home with this lien/deed of trust still active. XXXX XXXX has since changed names to XXXX Bank and I have tried multiple times to contact them with the phone number provided on their website for customer service. The customer service representatives I have spoken to have no knowledge of the original loan in question since it is not listed in their database.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
Capital One credit card account opened in XXXX. Account closed in XXXX. They show one payment 30 days late. I disputed because it was set up on auto pay, I have no record nor does my bank of a 30-day late payment. Their records are likely correct. If their records are correct, it is 1 late payment in 7 years. The late payment occurred in XXXX according to their records. Could this possibly be removed? My payment history is stellar other than this one occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
M & T BANK merged my XXXX  account from a Peoples bank where I have been a good customer for 15 years with NO PROBLEMS. When the banks merged in XXXX and XXXX I paid the loan ON TIME and the payment got rejected by the M & T BANK computer system IN ERROR. On XX/XX/XXXX I spoke with XXXX XXXX who set up docusign debit form and told me I was all set- the monthly debits would be made automatically from my XXXX XXXX XXXX account. That never happened. I then called the XXXX bank line FIVE times on XX/XX/XXXX and got hung up by a woman named XXXX XXXX XXXX XXXX I asked for a supervisor. When I called back she said she was going to continue to hang up on me and sent my calls to non-working numbers inside the bank. She then reported my account as delinquent to retaliate against me for asking for a supervisor! I then drove over to the local branch in XXXX XXXX XXXX XXXX and made an in person payment to XXXX XXXX XXXX the assistant vice president. M & T BANK has done everything possible to XXXX up this account and blame the customer and RETALIATE by sending me notices of Default. I have NEVER missed a payment. M & T BANK is breaking the law.

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 2022-04-25
Company: CURO Intermediate Holdings
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:
They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NM
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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2017-08-14
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I HAVE NEVER DONE ANY BUSINESS NOR HAVE I ENTERED INTO ANY CONTRACTS WITH CHOICE RECOVERY ACC # XXXX. I did see the date of XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY release my medical information to a third party. PLEASE PRODUCE authorization or signature or something to show proof of this authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I deposited 7 foreign checks from XXXX into my Bank of America account at the local branch ( foreign checks can not be deposited via mobile deposit ). After receiving a deposit receipt from the teller for XXXX, I saw this same amount pending in my BofA account. 

The next day, I see a notice that XXXX has been removed from my account in this transaction, without reason. Through visiting the branch, I discover that only 4 of the 7 checks were deposited by BofA, due to human error. I was told this would take 7-10 Biz days to resolve. After this time elapsed ( and then some ), I was told at the branch on XX/XX/XXXX that this would take 2 months to resolve from the transaction date. 

In XXXX, when 2mo elapsed with no resolution, I made an FDIC complaint, and also returned to my local BofA branch ( XXXX and XXXX XXXX in XXXX, NY ), where a XXXX case was open. The FDIC routed the complaint to the OCC, who routed the complaint to a department at BofA, who on XX/XX/XXXX contacted me to let me know they can not find the remaining 3 checks, an unacceptable response. 

This negligence on XXXX part has caused us to lose even more money due to credit card interest on unpaid balances, and removed a sizable amount of emergency cushion from our coffers.

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 2017-09-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my account with Discount Tire # XXXX and Care Credit # XXXX for many years now. I have always paid them on time every month. Synchrony bank issues these credit cards. They issued them with a {$1000.00} credit limit. They have recently decreased my credit limit on both cards to {$500.00}. I do not understand this. I have had both cards with balances up to the {$1000.00} limit and paid them both down. The Care Credit is almost paid off completely but they still decreased my credit limit. I feel this is not right and I was not notified. If I make my payments on time and use the card regularly, this should not be happening. I believe I am being treated unfairly due to facts I am not aware of nor knew about when I signed up for the cards.

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 2022-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While I was in the hospital someone gained access to my checking account online. The transferred several amounts and were able to get XXXX. Wells Fargo investigated the claim and ruled that it was an authorized transaction. The banker I worked with stated it was an unauthorized transaction, however I got a letter from Wells Fargo on XX/XX/21 stating they ruled against me and have close out the claim. I did not authorize any transfer and Wells Fargo is not taking responsibility for protecting me from fraud. This is a large problem with Wells Fargo nationwide and I would like my money returned.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance!

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 2016-12-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. My daughter, XXXX XXXX ( formally XXXX XXXX ), and I purchased a home together in XXXX. The mortgage went through a number of transfers of lenders over the years but has been serviced through Shellpoint Mortgage Servicing since XXXX timeframe. When we purchased the home, the members of our household included XXXX of my adult daughters, my wife XXXX and me. At the time, the expectation was that each of us would contribute to the mortgage and overall housing expenses. Unfortunately approximately a year after moving into our home, XXXX suffered XXXX ever since. As a result, XXXX had to retire earlier than anticipated. My children attempted to care for her while I continued to work. After roughly another year or so, this proved to be unattainable and I was forced to retire to become XXXX full-time caregiver. While I am of age to retire, these circumstances forced me to retire earlier than expected. Due to XXXX condition, we have incurred a significant increase in medical bills as the result of routine doctor visits and various medications to treat her condition. Additionally, a few years ago XXXX eventually married and moved out of our home which resulted in another reduction of household income. 

At this time, our income is limited to our monthly social security checks. These circumstances have resulted in our inability to make our mortgage payments. We had explored loan modification to no avail and were also considering a short-sale however this would have resulted in us becoming homeless due to our income and the housing crisis in the XXXX XXXX. In XXXX XXXX, we received notified that Shellpoint issued a Full Reconveyance of our first mortgage. We were not aware that they decided to do this and attempted to contact them on numerous occasions and they would not return phone calls to explain the situation. We ended up contacting the company that filed for the reconveyance, XXXX, and they confirmed that Shellpoint instructed them to remove the loan from title. After a few more failed attempts to get clarity from Shellpoint, we sold the home to downsize and bought another home. XXXX and I was working with a reverse mortgage lender and right before closing, Shellpoint issued a foreclosure status on my credit. This occurred after we already sold the home in which they removed the lien. Given that this was non-recourse debt, we are not sure why or how they are considering foreclosure on a home that they no longer held a lien on plus we sold the home. We would really appreciate some assistance on this matter as it effectively resulted in our inability to close on a reverse mortgage and it is also still on my daughter 's credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.

Company response to consumer: Closed
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: LA
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  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX AND XXXX XXXX ACCOUNT XXXX XXXXXXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector AssestCare LLC reported a XXXX debt to XXXX and it lowered my credit score. It says its connected to XXXX XXXX XXXX in XXXX XXXX XXXX, which I have never visited. I have received no correspondence at all regarding this debt and have no idea who it belongs to. I disputed it with XXXX and the response from the debt collector said payment received ( see attached ). I paid nothing and do not understand why this is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent this company a cease and desist letter that arrived XX/XX/2022 at XXXXXXXX XXXX XXXX In this letter I explicitly asked the company to cease and desist all communication with me or anyone I am associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In response to my cease and desist letter the National Credit Adjuster ignored my request and sent me another debt collection letter on XX/XX/2022. This company has been harassing me continuously by phone, email, and letters. I am considering suing the company for harassment about a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son made a payment with XXXX through our bank, Wells Fargo. The payment for {$100.00} was made on XX/XX/22 to an account through XXXX XXXX for some discs used for Frisbee Golf. My son never received the discs and was subsequently blocked by the person selling them. We reported this to Wells Fargo who created a claim for this fraudulent transaction. They closed the case on XX/XX/22 saying there is nothing they can do for us, that it is up to the banking institution my son sent the money to refund us for this transaction. 

This is the same bank ( Wells Fargo ) who actively promotes the use of XXXX on their website and encourages it's customers to use the XXXX product! Somebody needs to be held accountable for these transactions, neither Wells Fargo or XXXX are taking any responsibility for their customers getting scammed!

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 2018-11-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQ Data International charged my card after i specifically told them to move the account to further processing and credit reporting. Throughout the four separate calls I had with them to discuss alternative options, I was threatened with negative credit reporting including being told that I wouldn't be able to get another apartment unless I paid in full, as well as advised to seek legal counseling as there may be further action taken if not payed ( a veiled attempt at threatening prosecution ). 

When I called this morning to have the charge reversed, they began transferring me directly to voicemails and then eventually ignored my calls altogether. My representative is XXXX, XXXX XXXX XXXX at XXXX. I am unable to afford my entire rent payment after this and they are unwilling to take any responsibility after they advised that the card wouldnt be charged as well as I insisted that the card i provided ( after being assured that it was merely to 'lock down ' a 7 day prevention on the account from being sent to credit for review ) was removed in two separate discussions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation