BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage left a message on a home answering machine. Stated this is Wells Fargo Home Mortgage and this a attempt to collect a debt and so on. This home answering machine is shared by other residents in the home. Message was heard by everyone in the house and was very upsetting. I also had guest in the house for dinner that day who overheard the message.

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 2022-01-28
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received two cards in the mail. One was from cash app and one from XXXX I didnt ask or inquire about these. They were opened up in my name and I didnt authorize those. I called both companies about receiving these cards and they couldnt and wouldnt tell me anything about how or why these were sent to me. They said they needed more information to be able to cancel the accounts. Customer service for both companies is very unhelpful and not willing to help me fix this issues. I have had someone steal my identity and Im having issues with getting things fixed. I want this situation taken care of and these companies held accountable for someone stealing my identity and opening things without my knowledge. Im currently working with XXXX to fix these issues. Both cash app and XXXX have not been willing to fix and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account and card blocked on XX/XX/XXXX without justifiable reasoning. I was not notified or informed this. Upon calling customer service on XX/XX/XXXX, I spoke with XXXX, and she stated I needed to provide a utility bill or lease document. At the point, I explained prior to XX/XX/XXXX before I moved, I went into the XXXX location presented my ID, changed my address, and ordered checks. At that time, no one stated something was wrong. Two months later, my account was blocked. I called the branch in XXXX where I opened the account, and XXXX XXXX told me that I would not have access to my account unless I presented those documents. He further stated a letter was mailed on XX/XX/XXXX, and I had 60 days to show proof. I came to the bank today XX/XX/XXXX, within my 60 days, and he tried to use that as an excuse, but it held no validity because I was within my 60 days. He told me to my face they were closing my account today. As of XX/XX/XXXX, my account still has not been closed. I explained that I lived with someone, and I did not have a lease or utility bill in my name. He then went on to say this was company policy that no customer could have a UPS address, but he was not able to show me this in the company policy. I also explained can you show me in writing that Regions Bank has the authority to not release any of my funds. Upon arriving at the bank in the drive through, Mr. XXXX refused to provide any company policy that states customer can not have a UPS as a valid address nor was he able to explain how the bank could hold my money without even allowing me to take what I need. XXXX XXXX also upheld these actions, and I demand that each of you be held accountable. 

I am appalled as an XXXX American educated woman, at the unethical and illegal practices of this bank. I have been denied access to my money for almost a week, and I was not allowed any access on Monday, XX/XX/XXXX when I presented my drivers license verifying my identify. Mr. XXXX refused me access to my account without any justifiable reason. I will seek legal action because no bank has the power to deny any customer access to their funds especially with a valid ID. This is unfair and unjust. I have been a customer for over four years, and I can not believe this outlandish actions. I did record the conversation for my records. Please help. 

XXXX : Regions Bank XXXX XXXX XXXX XXXX, GA 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 2020-08-12
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 have been a victim of identity theft and my personal information was also compromised in the EQUIFAX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act acct # XXXX XXXX XX/XX/XXXX, XXXX XXXXc XX/XX/XXXX, XXXX acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX XX/XX/XXXX has violated my rights. 

15 u.s.c 1681 Section 2 states a consumer reporting agency can not furnish a account without 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 2020-08-12
Company: EQUIFAX, INC.
State: LA
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:
I am a federally protected consumer and Equifax has violated me under the provisions of 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Alpha Recovery Corp
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Good Afternoon, I am filing a complaint on Alpha Recover Corp for contacting me illegally pertaining to my siblings debt. They called me this afternoon, at work, telling me that it would be in my siblings best interest if I provided them information of where my sibling was. They have been contacting my sibling so they already had my siblings information. I then asked followup questions and they provided me their companies name ( https : //www.alpharecoverycorp.com/ ). It 's clear from their website that they are a debt collection agency. 

My main complaint is a concern of how they received my personal cell phone number. It is unclear how they got it and I 'm deeply concerned of how they are obtaining other family members information. I confirmed with my parents that they were also called. So they are working down some sort of a list that they did not get permission to have from the actual individual being contacted. 

Debt collectors have legal requirements to meet and after reviewing I believe that this company is acting outside of those bounds.

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 2017-02-02
Company: Arbor Residential Mortgage LLC
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: LA
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:
I am a federally protected consumer and Experian has violated me under the provisions of 15 USC 1681. Please review attached documentation.

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 2022-01-28
Company: Experian Information Solutions Inc.
State: OH
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:
The issue has been ongoing since XX/XX/XXXX. There was XXXX negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX _ original debtor ( XXXX XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX Rental ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX debtor ( Surge ) I contacted Experian, XXXX and XXXX and XXXX a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however Experian did not, Experian state that the creditor meet XXXX guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call Acceptance rental, I phone Acceptance rental and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, Acceptance use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over XXXX XXXX XXXX. but the Collection agency is reporting as this debt occurred in XXXX. I contacted Experian with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the XXXX XXXX. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and Experian report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.

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 2017-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking and savings account with bank of America for about a year  (   XXXX   ) . My purse and cell phone was stolen which had most of my personal papers and information inside in  XXXX  of   XXXX  . I went to the bank on a Monday morning when they open to tell them about my situation. I did all the paper work and filed a claim and closed that account out. I then again went to the following day to reopen a new account to set my direct deposit for work back up but I was then told that I was not able t due to my account having fraudulent activity. Someone tried to upload fake checks into my account and then tried to take money from my account twice. I again explained to then bank people that my personal belongings were stole. MY Phone which was a  XXXX  did n't have a passcode and also had my bank app and my emails and things on it was stolen as well. I Then talked to the fraud department on the phone and she told me that the phone that uploaded the checks was a  XXXX  which I had a  XXXX . I ask them if they could look at the atm cameras but was told no. So I felt like that was wrong but I  ten  went to   XXXX   XXXX   XXXX   and opened a account with them until one day my account was closed out the blue. I then had to go to   XXXX   XXXX   and ask them what happen and was told that bank of America sent to the consumer agency that my account had fraudulent activity which made me not able to open up a nother bank account with any bank. So the banker at   XXXX   XXXX   helped me fill out the paper and send it to the consumer agency to dispute everything but I still have n't got a reply or anything and its almost been a whole year. I feel that if somone actually comes to the bank to report something on there account due to lost personal info or identity stolen they should take into consideration and help that person instead of blaming them.

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 2016-03-29
Company: Arbor Residential Mortgage LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested documents from Enhanced Recovery Company and they have yet to respond to me. This a debt that is alleged and i demand more information. I need to know why they are trying to charge me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Army and Air Force Exchange Service
State: MA
Product: Credit card
Issue: Other

Complaint:
A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
BBVA Compass Bank claims that they had sold my car at auction on or around XX/XX/XXXX after a repossession. Their information is not correct. The sale was on XX/XX/XXXX. I have a  pending court case and I am trying to prove that I was falsely arrested. My car was towed off of private property without my knowledge or expressed consent. This arrested lead up to the vehicle being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX  to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.

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 2018-06-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Money market account was supposed to be paying XXXX basis points which was discussed with my commercial banker and have details in writing. Rate fell down to XXXXbps and I was told by XXXX XXXX ( SVP Commercial Banking ) that it was brought back up to XXXXbps per my agreement with the bank. Called the bank earlier this week and was told this still had not been done ( according to XXXX ) as my account was still paying XXXXbps. Left a voicemail for XXXX XXXX and have not heard back.

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 2020-08-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan LLC # XXXX Lakeview Loan did not properly credit the subsequent payment that I made on XXXX in the amount of {$9900.00}. This payment should have been credited to Principal Only/ Curtailment. I did what they asked me to do, which was to write in the memo " Principal/ Curtailment. I even Yellow Hot lined it. I've needed to contact them several times over the past 3 months

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