BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-28
Company: U.S. BANCORP
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
UPDATED COMPLAINT XXXX/XXXX/2015 I have been following my checking account for several days and was led to believe that there was more money in my checking account than was actually there. On Friday, XXXX/XXXX/2015 my account showed that XXXX outstanding checks in the amount of {$50.00} each had been paid and that I had a balance of {$24.00} approximately. I had XXXX ( XXXX ) outstanding check in the amount of {$25.00} and when I deposited {$13.00} electronically yesterday XXXX/XXXX/15 my account was overdrawn by the last {$50.00} check that my bank said was paid. I was charged {$12.00} and {$50.00} was withdrawn from my savings account to cover the over-drawn check. Now my account shows a balance of {$12.00}. I have been a loyal customer for years and I have never had any problems with my bank. Lately, I have been having problems with businesses that I had no problems with before such as my student loan lenders, XXXX. I had to file a complaint on them because they kept claiming to lose my applications for forbearance. I have been harassed by XXXX XXXX XXXX and have asked that they leave me alone. Despite my efforts to get them to leave me alone, they continue to harass/threaten me. It has gotten really out of hand. I even posted posts online asking them to leave me alone to no regard. This week my XXXX credit and XXXX accounts were hacked and I could not close out my checking, credit, or debit cards.. I had to call XXXX so they could close my account. 
How complaint can be satisfactorily addressedI am requesting that U.S. bank stop payment on check XXXX a lost check at their expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CBC Companies, Inc.
State: CA
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:
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Monarch Recovery Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is calling about XXXX or XXXX times a day. Once on my wife 's cell phone and the other on the landline. But they do n't leave any messages or nothing for me to call them back but I did google there numbers. But they are Monarch Recovery. They use a robo type call to get to talk to somebody but then they hang up. I did n't get anything in the mail or nothing about why they are calling. It is usually morning noon and night they call. They use different numbers to use to call me and my wife. It has been going for at least a month or XXXX so I do n't know. Whenever I pick up the phone the phone hung up on the other line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: National Credit Systems,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 is not mine

Complaint:
I requested that this company send validation of my SSN and are how obtain. the company have not responded to my request instead sending a letter stating that they are threatning to put this on my credit file. The company should be able to support the validation of the method of them obtaining vital information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Residential Credit Solutions, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get my home sold in a short sale. On XXXX XXXX, the bank came back with a counter offer and said it needed to be accepted by XXXX XXXX or the file would be closed out due to an upcoming sale date in XXXX. The buyers accepted the offer within an hour of the phone call from the bank. My attorney called the bank immediately to let them know it was accepted. The person assigned to my file ( XXXX ) was not available, they spoke with the single point of contact ( XXXX ) who was rude but said she would send a message to XXXX letting her know it was being accepted. She said my attorney needed to email or fax the new offer, HUD and proof of funds. My attorney immediately emailed it. My attorney called back later that day and they said it was not uploaded yet, they were advised to try again tomorrow. My attorney called back the following day ( the last day to accept the offer ), once again XXXX was not available, the person at RCS said the documents were still not uploaded. The representative at the bank sent XXXX another message advising her that the buyer had accepted the offer and my attorney emailed the documents again and faxed them as well. My attorney called back the following day, once again XXXX was not available, the person at RCS said the documents were still not uploaded. The bank representative sent XXXX another message advising her that the docs had been sent and the offer accepted. The same thing happened the following day. Today, my attorney called back and they were told that the file had been closed out due to the buyer not accepting the offer. RCS has continuously mismanaged my file and it appears they are intentionally ignoring the fact that the offer was accepted in the time frame required. My consumer rights are being violated by RCS. Please have RCS cancel the auction scheduled for XXXX XXXX as holding the auction would be an extreme show of bad faith by RCS and a violation of my consumer rights.

Company response to consumer: Closed
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I AM A VICTIM OF IDENTITY THEFT, THERE IS MANY THINGS WORNG ON MY CREDIT REPORT. DO NOT USE MY COPY OF ID AND SS CARD AGINST ME, I AM ADDING IT TO MY CLAIM FOR PROOF IDENTITY PER YOUR MAIL REQUEST. 

To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PLEASE REMOVE THESE NAME FROM MY CREDIT REPORT. PLEASE REMOVE THESE DIFFERENT VARIATIONS OF MY SOCIAL SECURITY NUMBER, IVE ATTACHED A CPY OD SS CARD FOR VERIFICATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is attempting to sale my home without a legal right to do so. According to the Deed of Trust executed on XX/XX/XXXX and recorded on XX/XX/XXXX in XXXX County ; XXXX, XXXX, solely as a nominee for None Stated dated XX/XX/XXXX and recorded XX/XX/XXXX inthe Official Record Book of the public records of XXXX County, VAgiven to secure the original principal sum of {$700000.00}. XXXX transferred the rights to my property XX/XX/XXXX without notifying me and additional as a number of legal actions have shown, XXXX could not hold the property in the first place. XXXX and Wells Fargo colluded to steel my property. XXXX held my property for over eight years before transferring it to Wells Fargo

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX, a Wells Fargo company, claims I opened an account with them in early XXXX w/ a limit of {$6200.00}. I did not open this account nor did I ever use it. I would never do business with a Wells Fargo company due to their practices and consumer lawsuit history. When I saw the account on my credit report in XXXX, I called them, told them I never opened the account and insisted they close it. While they did they reported that they closed it instead of noting it was their mistake. I believe them to be a predatory company & should be investigated for same.

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 2020-11-10
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I asked for a forbearance on my mortgage with Amerihome loan company. During this time I worked diligently to work with Amerihome 's Loan Mitigation, Due to being released from military duty for an injury. I sent them all the information they required for a loan modification, bank statements, XXXX payments, letters of medical XXXX etc. I emailed them these documents around XXXX  /XXXX time frame. I waited to hear a response and during this time I received letters telling me how much I owed and items that were " supposedly missing '', even though I had the documentation to prove that I sent them everything they needed. I was then notified on XX/XX/XXXX that I was denied a modification due to missing documents and expired information. I called the company and received no help. I then had to restart the process and I faxed them the documents that was needed as well and emailed them the documents. I have now received letters telling me that I will have my credit reported on since I am behind on my mortgage. Amerihome seems to not know what they are doing and the underwriting does not inform collections about accounts that are being reviewed. please help. I am a veteran who has been told that all of this is my fault and I should have planned better.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. In 2010, my wife, XXXX XXXX and I had to file for Bankruptcy due to a job loss. My wife passed away last year and I am trying to sell the home. I am having trouble getting Wells Fargo to issue a payoff demand. I am in Escrow and the buyer is threatening to cancel because we have been waiting 2 weeks to get this information. 
Please help me to get this payoff amount asap. My SSN is XXXX. 
Attached is the Bankruptcy paperwork and Deed of Trust. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Schrier, Tolin and Wagman, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I am a PA Resident and I received a warrant in debt/law suit notice that was filed in the state of Virginia, XXXX XXXX XXXX XXXX from the debt lawfirm Schrier Tolin & Wagman LLC for a credit card debt from creditor XXXX XXXX XXXX XXXX. 

I believe that I was sued in the wrongful jurisdiction as I applied for the card in PA ( via the internet ) and never resided in Virginia at the time that the card application was filled or signed. I have been extremely and negatively stressed and impacted by the magnitude of being sued out of my resident state, potential incurred costs for out of state legal representation and having to prepare to miss work to be present for an out of state lawsuit which are all things that could exacerbate my current financial situation and put me into serious financial duress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Account information incorrect

Complaint:
incorrect information is reporting in the 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 2022-04-16
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Shellpoint Loans after we refinanced. I attempted to contact Shellpoint several times during the transition process because I have been unable to access their online system. Shellpoint previously held a previous home loan of ours for a short period of time back in 2018, so when I tried to sign on with the new loan they are servicing, I got a blank screen. I spoke with a representative on the phone on XX/XX/XXXX, and they told me it would take 5 business days to get our information over ( the loan was transferred on XX/XX/XXXX ) so to call back Monday. I called back on the XXXX and they put in a ticket with IT. I was told it would take 5-7 business days and I would receive an email with the resolution and instructions on how to re-sign in ( after they wiped the old account associated with the email, and add a new one ). I never received an email. I called back again on XX/XX/XXXX. The representative told me she could see my old ticket and would put in another inquiry to IT. I never heard from anyone. I called back again on XX/XX/XXXX ( to pay my mortgage since I still could not log in ) and inquired about the ticket. I was told she put in a new ticket and she could see my old two tickets. She also submitted a complaint, which I was told would be followed up on within 2-3 business days from the complaint department. I still have heard nothing from Shellpoint and I still can not access the information about my loan online. I feel the company should return all the interest earned during the month of XXXX since they have not serviced my loan appropriately. I have not missed a payment and have called 4 times over six weeks with no resolution or follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An inquiry was made to my consumer report by Equifax Mortgage Services on XX/XX/2020 as a result of identity theft. I did not apply for a mortgage with Equifax Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. 
I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. 
They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. 
They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: SC
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 have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, Experian, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.

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 2016-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am disputing a recurring charge from XXXX ( Experian ). I only signed up for a trial. It was not made clear that this would be a recurring charge. I have requested a review of the account. It is clear I have not logged on or used the service since the initial trial period. Experian is taking advantage of fine print and taking advantage of consumers. Please help stop this predatory practice.

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 2015-06-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I worked for the City of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. My credit report from XXXX Bank in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XXXX 2014 - XXXX 2014 through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the XXXX XXXX XXXX XXXX but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Caneel Capital, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 a process server served Trinita ( " Debt Collector '' ) CONSUMER NOTICE OF DISPUTED DEBT 15 U.S.C. 1692g et seq. FDCPA ; Alleged Plaintiff are debt collectors as that term is defined by 15 USC1692a ( 6 ) and Cal. Civ. Code 1788.17. Defendant is a consumer as that term is defined by 15 USC1692a ( 3 ) and C al. Civ. Code 1798.140.

The debt collector has not stopped from collecting the debt after being served the debt dispute letter pursuant to 15 U.S.C. 1692g et seq. FDCPA. The debt collector continues to damage me ( XXXX XXXX ) by threatening foreclosure sale.

Company response to consumer: Closed with explanation