BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America card was damaged so I called in to order a new card and was told it would be sent but I never received a card. I called the customer service number to find out what happened and report that I did not receive a new card the reps would not tell me anything or do anything to help me. They refused to provide me with my account number or send me a new card and would not give me any answers at all. There is no reason for this and if there was any suspicious activity or something on my account then I should be told. I can verify any of the required information over the phone and I am being discriminated against and have been provided with any reason. 
This bank has recently been court ordered to not freeze accounts base on automatic fraud filters and I believe that this has happened because I tried to apply online to open a savings account and was told that I must go to a bank in person since I failed to answer one of the credit questions correctly by accident. 
There is no requirement that I must visit a bank to inquire about my already open account and debit card. I have a right to my money know what is going on with my accounts and I should have access my account like everyone else by phone, online etc. They refuse to give me any answers or let me verify me identity by phone.This is illegal practice by this bank. I have been left without any funds and no ability to pay for anything.

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 2021-10-28
Company: EQUIFAX, INC.
State: MO
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 IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage bank has changed my point of contact multiple times. I am unable to reach them on the phone or email. I have sent multiple emails to the last 3 point of contact they have changed me within this year and none have responded to my emails. I called and spoke to a customer representative Ms. XXXX XXXX, I explained to her I couldnt reach my point of contact XXXX XXXX and had send sent her an email requesting a FHA COVID-19 Loss Mitigation Options ( COVID-19 Recovery Modification ) for owner occupied house ; she said XXXX XXXX is no longer with Shellpoint Mortgage and my new point of contact was XXXX XXXX, she said Ms. XXXX will call me within 3 days but I have not received any calls or response to my email letter from her. I also left a voicemail to Ms XXXX. I found out a week later that the email Ms XXXX XXXX gave me for Ms. XXXX is wrong and I sent an email to new email for Ms. XXXX. 
I am confused and very afraid because Shellpoint Mortgage has sent me multiple letters saying I owe and may face foreclosure. Also on XX/XX/2021 an agent representing Shellpoint Mortgage came to take photos from my house, he told personal information to my friend that was outside, he told her my name and told her he was from Mortgage XXXX and that it could be a foreclosure of my home. Before XXXX pandemic I never took forbearance or made any loan modification. 

My forbearance ended on XX/XX/2021 and that day I sent email to my then point of contact at XXXX Mortgage requesting FHA COVID-19 Loss Mitigation Options ( COVID-19 Recovery Modification ) for owner occupied house. In that email that I sent to multiple point of contacts, I also attached my offer letter for a new job Im starting on XX/XX/2021. 

I read online that if I can not reach my Mortgage Bank and start modification within 30 days after end of forbearance that the mortgage bank can start foreclosure proceedings on me even during Covid-19 pandemic. I have being deeply affected by Covid-19 and lost many loved ones, I have nowhere to go if my home is foreclosed. I have tried to contact my mortgage bank through multiple means and unable to reach the point of contact for my case who can explain to me the process and help me with FHA COVID-19 Recovery Modification after forbearance with current payment moved to end of loan claim.

I can attached offer letter I sent Shellpoint Mortgage showing my reduced income, Photos of Shellpoint mortgage agent who spoke with my friend outside my house. I can also attach letter I sent to multiple Shellpoint point of contacts where I request FHA COVID-19 Recovery Modification after forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
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/2022 I received a text message saying that there was suspicious activity on my account and there was an attempt made to take money out of my account. Then I received a call from a caller ID under wells Fargo and I talked to someone who impersonated a banker and told me there was suspicious activity on my account. They told me to state my full name, number, and email. Then they proceeded to tell me to XXXX  the amount of monye that was tryin got be taken back to myself so I could secure it and make sure this " person '' would be denied access. Once it was done, the money was taken and the " banker '' hung up.

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 2017-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an addendum to the complaint already filed on this same subject and is further explained in the attachment.     SPS has responded to the last complaint, and again has allowed  XXXX  to convince them that the force-placed insurance amounts they stole from my account in  XXXX  of  XXXX  and  XXXX  of  XXXX  were valid. My bank statement clearly shows that I had paid this insurance premium in  XXXX  of  XXXX , and  XXXX  had been properly informed of this by my insurance company. However, they still pulled over {$2300.00} from my account in  XXXX  of  XXXX  and again in  XXXX  of  XXXX  and those funds were never placed back in my account.     They also responded that the illegal and unauthorized and unjustified charges totaling {$3800.00} were allowed charges related to bankruptcy and foreclosure. These charges occurred between the dates of  XXXX  of  XXXX  through  XXXX  of  XXXX . THERE WAS NO FORECLOSURE OR BANKRUPTCY IN ANY WAY ASSOCIATED WITH ME OR THIS LOAN AS OF THOSE DATES! Even the default date on this loan was not until  XXXX  or  XXXX  of  XXXX , so I guess we 're supposed to believe that  XXXX  was psychic and went ahead and started assessing charges 4 years prior to my default to apply toward my foreclosure?     But the addendum sent to  SPS  yesterday also includes the fact that, according to the payment records provided by  XXXX  or SPS, the first payment I made to the previous servicer,  XXXX   XXXX   XXXX , was never applied to my account. That is detailed in the attached letter and supported by the attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2022, I discovered that my now ex-husband, had fraudulently opened a bank account and took a {$10000.00} personal loan out in my name without my consent. I have filed fraud with the bank and also with XXXX XXXX and it is still showing in my name that I owe this money. It is creating an issue with my credit report as it says I am the account holder, but did not sign for this account or open it. I did not have knowledge about this loan until XXXX of this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my third time reaching out to you and each time you closed my case with no explanation. I have to assumed it was because you was under the impression that I was sent the requested information .I sent several certified letters and several fax to LVNV Fundings LLC and their lawyer 's XXXX and XXXX XXXX explained that since this pandemic the mail service is so messed up so I ask them could they send all bills, validation letters, court papers and even proof that they can collect in this state to send certified so that their won't be he said she said since you kept closing my complaint it means you believe that they sent me the requested information well they haven't but I did get one letter from their investigator that's is full of lies he said he delivered to an address that I never resided at and I went to that address a woman live their for over six years and that vague description fit almost any XXXX male but not me I sent them proof that he couldn't have delivered it to me and because of his lies a default was order against me and every since then I have been trying to get what I need so that I won't have to get another XXXX visit like the one I had in XXXX and now I have another one XX/XX/2021 and since you going to give me that XXXX about 15 days and they can ask for another 30 days which means I'm looking at another date if I don't get what I need if they claim to have sent it then they won't mind sending it again but certified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRST FED CREDIT CONTROL, XXXX XXXX XXXX XXXX  this company has reported me as bad debt to the credit bureau with out my knowledge I tried to called them so many times still not remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered into trial payment plan to modify my loan. I submitted payments on time as specified  by 5/3 Ba nk. However my  XXXX  payment was returned because they stated I had not paid my trial payments. My local bank manager  XXXX   XXXX  and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could  not see the payments on their computer.     I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation    XXXX   XXXX  ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification.     This has been an oversight by the servicing b  ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports.
They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
MORTGAGE Literally, a dead pledge. Pursuant to 1829 Websters DEAD PLEDGE, 71. A mortgage or pawning of things, or thing pawned. Pursuant to 1829 Websters HOMELOANSERV are attempting to coerce us into signing a promissory note after our Mortgage has already been sold. I was tricked into signing without full discourse of telling us that we were signing away our estate and, giving us our money from our social security card ( credit card ) and claiming they loaned us money when they have already extracted the funds from our account without our consent or full discourse. They are now attempting to collect a debt which is in a positive balance.

HOMELOANSERV has never given the consumers any money as money is defined as Coin ; stamped metal ; any piece of metal, usually gold, silver or copper, .stamped by public authority , and used as the medium of commerce.

HOMELOANSERV has sent us mail without stamps, their logo on mail with both our names on the paperwork for the world to see. Which is {$1000.00} for each infraction under title 15 U.S.C. 1692B ( 5 ) not use language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; HOMELOANSERV as also stated we owe a debt which pursing to title 15 U.S.C. 1692 ( 2 ) not state that such consumer owes any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal informed me my account was permanently banned for violating terms of service, but refused to tell me what i did wrong. All i use PayPal for is paying friends/family for nights out for dinner. My fianc would send me some money monthly to for our wedding. PayPal tells me i have to file a subpoena to find out why they banned me - which costs money for me to do! This is ridiculous - Im not a high volume customer ... its {$50.00} here and there, and my fianc would send me a couple XXXX. Im not a seller - i dont use it for business - its for personal use. 

Because they banned me, i cant even unlink my checking account or credit card from their system - which means PayPal has my banking info and credit card info ... I am not allowed to use their services, yet my personal banking info is at risk in their system in case theres data stolen. I cant get my info out of their system. 

All I want to know is why they banned me - it was obviously some kind of mistake ... I want to be able to use their services, since its used all over the place. And if PayPal will refuse, then let me remove my banking info and credit card info and putting my info at risk when i cant use their product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Auto Finance is reporting a 30+ day payment on my credit report which is inaccurate and is refusing to remove it despite multiple request!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX PortFolio Recovery ( Phone number XXXX XXXX ) continues to call me daily/weekly/Monthly trying to collect a debt which I have advised them several times was not mine and I did not open. I have even advised them to investigate the debt as possible Identity theft but they continue to call me. The Debt, they state is with XXXX for $ XXXX plus dollars, it's listed under an address which I never lived in. I am also filing an investigation for this charge since they have placed it on my Credit Report and continuously weigh negative on my credit report. 

The Debt is not mine and I never opened a XXXX Credit Line, I am certain of this. This is the only agency continuously calling me and it's disrupting my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NC
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 Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EQX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the morning of  XXXX   XXXX ,  XXXX  I was alerted by   XXXX   that a negative credit item had been added to my report. I subsequently learned it had been added to the other credit bureaus, as well.     They are claiming I owe {$1000.00} from alleged  medical services  performed by the   XXXX    XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX   ( three  years ago ). When my wife spoke to them this morning, they claim they purchased the debt from a company called "  XXXX . '' I have never had any contact with either the physician group noted above or any company named  XXXX  about any debt. Seems like if this was a legitimate debt, it would have been placed for collection three years ago. Even if this were legitimate, I can not go back  three  years and determine what happened.     I called the billing company for the physician group listed today and they have another  XXXX   XXXX  in their records, but none with my date of birth or address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent an email to Ocwen and XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting that our mortgage file be removed from the OOMLT 2006-1 remittance report for next cycle XX/XX/XXXX and the collateral file for the next cycle of XX/XX/XXXX since a valid transfer of assignment has not been provided to me that meets the new servicing standards and Ocwen National Servicing Settlement agreement. Ocwen and XXXX XXXX XXXX, XXXX has included our mortgage loan in the XX/XX/XXXX remittance report and theXX/XX/XXXX collateral file even though a valid transfer of assignment does not exist.

Company response to consumer: Closed with explanation