BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX : XXXX Select Portfolio Servicing, Inc. sent to my PERSON an admission of guilt of violating the financial privacy of a customer. SPS sent to my PERSON previously private and confidential loan documents of another customer to include a Promissory Note. I still have these items in my possession. Promissory Notes are negotiable instruments and subject to all applicable federal laws. 
There is a high probability that Select Portfolio Servicing, Inc.has also illegally violated my financial privacy and distributed my private and confidential information to other entities. We already know that they sold my monetary instrument and committed mortgage and securities fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a direct deposit to my venmo I got over XXXX venmo froze my account and said I will have to wait 180 days and I cant I Have my whole family depending o. This money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased my home  XX/XX/XXXX , and my original loan was with  XXXX   XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}.  XXXX  sold the {$43000.00} to  XXXX  shortly after my purchase, the 80 % was sold to  XXXX   XXXX . I made payments for 6 years to  XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan.  The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call  XXXX  through the regular mortgage number, it was a special department at  XXXX . The loan was sold to  Greentree, then I guess Ditech f or the original amount of the loan in  XX/XX/XXXX ! I stopped paying in  XX/XX/XXXX  due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in  XXXX . Ditech charged the loan off with original balance due from   XX/XX/XXXX ! They are still reporting as delinquent in  XX/XX/XXXX  even though charged off in  XX/XX/XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Byrider Franchising, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized payment was made by cnac  XXXX missouri  when i reached out to ask why they told me the co buyer which had taken over the account was one day late. When i asked why i wasnt contacted beforehand and asked if my card could be charged they had no answer. I told them months ago to remove my card off the account and not to use it for future payment, when they updated the account and the co buyer provided his payment information they said they did and they did not. When they charged my card it caused an overdraft to my bank. I would have never authorized a payment knowing i didnt have the funds available. What they did was theft. I never signed any paperwork for auto pay or reoccuring payment authorization in fact i was told they removed my card and the co buyer who had taken over was the one they would contact for future information or payment and also that in order to process auto pay i had to come in and sign a document which i never signed. They had no permission to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the past couple of years I 've been contacting Champion Mortgage to apply for a repayment plan in order to catch up on my back taxes. I sent hardship applications on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and never received a response from Champion. I also sent letters to Champion in XXXX and XXXX XXXX, and more recently on XXXX XXXX, XXXX to try to arrive at an arrangement. Champion never replied to the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with Shellpoint mortgage for a whole year. My loan was transferred to them from XXXX. When my mortgage was transferred, my monthly payment went up {$100.00}. I have been working with XXXX XXXX which is a service that is appointed by the state of NC that assists when you are behind in your mortgage. They send in all paperwork for modification and handle all aspects. I had health problems so I fell behind in my payments so XXXX which is my counselor at XXXX XXXX helped me complete my paperwork for modification and sent everything into Shellpoint and XXXX because I was transitioning to Shellpoint at that time. 

The person working with me at Shellpoint initially was XXXX XXXX then it switched over to XXXX XXXX. I was initially told that all of the documents were not received, so XXXX sent them in again as well as updated income documents. 

A few months went by and still no response from Shellpoint in terms of the modification then we were affected by COVID and my whole state shut down. 

I had been talking to XXXX XXXX and she told me that she didn't know anything about the information that was discussed prior to my case being transferred to her. She claimed she didn't even know that we sent everything in and that her point of contact for my file was XXXX XXXX. This company has been giving me the runaround. They did a forbearance on the property but XXXX XXXX didn't even bother to tell me that it was approved. I have sent multiple emails that were never responded to as well as called but I can never get anyone on the phone. In fact one of the few times XXXX XXXX responded to me, she claimed that she called me in the middle of the emails but I was messaging her from my cell phone and my phone never rang. 
I think this company is not doing what they are supposed to in regards to helping the consumer. A modification should have been completed a long time ago because they had all of the necessary paperwork that was sent in by an agency working for the state of NC. 

I have been doing everything in my power to save my home, especially during this pandemic but this company doesn't even want to follow the procedures put out by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I Contacted The Company XXXX XXXXXXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

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 2020-12-28
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: Information belongs to someone else

Complaint:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: GA
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:
The attachment shows multiple contacts to the collection agency finally resulting in the removal of the unverified account. There is also a screenshot of my credit monitoring report showing that Equifax is the only bureau still reporting the account. My name is not accurately reporting as XXXX XXXX XXXX. Also, none of these addresses have been verified XXXX XXXX XXXX XXXX, XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL,XXXX- Nor these inquiries XXXX Type : - - XX/XX/XXXX ; XXXX Type : - - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Wells Fargo Bank of California charged my checking account {$500.00} without my knowledge or authorization. At the time Wells Fargo called their payday loans a " direct deposit advance '' which they know longer have that program due to consumer complaints. My checking account was put into overdrawn status, with overdraft fees instituted monthly, {$35.00} each month until they closed my account without my knowledge or authorization. Now that " direct deposit advance '' is more than double the original {$500.00}. I can not open another bank account, and have a strike on my credit reports. I can not get Wells Fargo to rectify the situation. I banked with them for almost ten years before this with no overdrafts. The first payday loan occurred in XXXX with renewals up until XXXX. Numerous checking and savings accounts were also opened without my permission.

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 2020-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is about the Lowes ( the home improvement chain of stores ) credit card managed by Synchrony Bank. In 2020, twice I have paid off my account balance in full ( XX/XX/2020 and XX/XX/2020 ). But Lowes/Synchrony Bank refuse to issue a statement that reflects my payment. Twice I have had to demand some sort of documentation that their records show that my payment has been made. But they tell me " they don't issue a credit card statement if I have a XXXX  balance. '' I think their refusal is a violation of the Truth in Lending Act, because at 15 USC Ch. 41, subCh. 1, section 1631 and 1632, a lender has a duty to DISCLOSE. The creditor must report all transactions during the billing period, and it does not matter whether the ending balance is zero or not. The consumer needs documentation that a payment was processed by the creditor and applied to the consumer 's account, because a payment could be misapplied, stolen, etc. Here is my latest example. XX/XX/2020 was the end of a billing period where I had an {$88.00} balance. I paid off the balance on XX/XX/XXXX, and my payment posted to Lowes/Synchrony Bank and cleared my checking account, all in XXXX. My next billing date was XX/XX/XXXX, but I had a XXXX balance. I think Lowes/Synchrony Bank is required to issue a statement that reports my payment in XXXX, even though the balance was paid to zero. By contrast, if I had BOTH zero transactions AND a XXXX balance during a billing period, then there's nothing to report or disclose.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-05-18
Company: Southwest Credit Systems, L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX XXXX reported a fraudulent debt to my credit, I submitted a fraud statement and the debt was removed.

XX/XX/XXXX XXXX notified me SW Credit reported a Collection account with the original creditor being XXXX with an open date of XX/XX/XXXX. This debt is fraudulent and should not had been bought nor reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After XXXX applied for modification with Flagstar Bank. Process dragged out I was told they had all of the documents that they needed, continued to follow up, Reapplied several times, found a buyer for my home to prevent foreclosure. Bank declined stating pending refinance, house foreclosed, I did not want to sell. I even went to work outside of the area to offset the economic downturn and make up for the drastic increase in insurance. 
When loan was obtained payment changed due to some oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent a wire transfer with Chase JP Morgan on XX/XX/XXXX to XXXX XXXX XXXX in XXXX XXXX account # XXXX Beneficiary Agentes XXXX XXXX XXXX, XXXX XXXX XXXX, for the amount of {$18000.00} XXXX dollars. 
I sent this money to pay off a timeshare but they never received the transfer. I went to the back and tried to open an trace or investigation with the fraud department but they are not answering the phones at all. email was sent through the app but no response yet. 

As per XXXX XXXX the wire transfer takes about 10 days to clear on the beneficiary account and is only been 7 days. email was sent to start an investigation on their end as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Paypal Holdings, Inc
State: NJ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
My Current PayPal account is XXXXXXXXXXXX this account has {$170.00} available funds ; Opened in good standing since XXXX XXXX. Account limitations have been placed on this account and it has been completely frozen I 've been told misinformation as to why my account is limited. I 've spent hours on hold and on the phone only to get nowhere. They just repeat themselves, transfer you and repeat them themselves, than put you on hold until you 've been on the phone an hour only to be disconnected.. 

FIRST THEY said my account is limited to customer complaints of not receiving merchandise.. Than they said its because on another account from XXXX that is negative. So when I get contradicting statements witch which is clearly evident in the correspondence sent by PayPal. Every response shows contempt to answer any of my questions I do n't know what to do or believe. They keep ignoring my question and repeating XXXX of XXXX scenarios. I 'm sending you everything I 've got so hope you can make sense of it and help me regain access to my account and my funds.. I really need that money I 'm behind on my XXXX XXXX credit card now thanks to PayPal stonewalling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Despite having an agreement with Wells Fargo made two months ago to pay a credit line ( debt ) at Wells Fargo with $ 300 monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving harassing collection phone calls from XXXX every other day. 

I have paid {$300.00} on the agreement for two months now. This agreement was made with XXXX XXXX at Wells Fargo ( Loan Adjustment Supervisor ) but Wells Fargo ( XXXX from collections who reports to XXXX XXXX ) are harassing me now seeking payment in full despite our agreement. I have explained over and over again my financial situation ( offered documentation proving my inability to pay the debt off at once as I 'm a new XXXX in XXXX mother of XXXX kids under XXXX yo ). I just received another call from XXXX XXXX XXXX on XXXX XXXX ) at Wells Fargo and she transferred me to her Supervisor XXXX XXXX who told me that he was going to sue me for the balance of debt despite our agreement. He told me that he does n't care and wants it paid off. When I asked him why he was even calling me, he told me to, " Lose the attitude, XXXX! '' and then I reiterated our agreement, my financial situation, etc., he told me, " Then I will take my boss ' recommendation and sue you! '' and then he HUNG UP THE PHONE on me. This supervisor at Wells Fargo hung up the phone in the middle of me trying to respond to hearing I am going to be sued by Wells Fargo. I was left with XXXX fearing I will be sued by Wells Fargo. What will this mean for my family? My XXXX in XXXX? I began having XXXX. I am a high risk XXXX already and being harassed with phone calls ( first by XXXX who would call me and say that XXXX told her to follow up regarding our " agreement '' and I asked XXXX what she was referring to - since I 've been paying on said agreement for two months now - and she did n't know??? but was calling me anyways? ) This is an opportunity for legislation to be brought forth regarding behaviors such as Wells Fargo harassing a client who is currently paying their debt, who is not being evasive and ignoring their repeated phone calls, and is told to pay up or else?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company contacted me and will not provide their company name or address. Told me they had an account with overdraft fees that was closed in 2010 and that they were going to turn me into XXXX and get a judgment for a deters examination. I have call recordings as well. I even asked if they were insinuating that they either had or would get judgement against me and they said yes. I informed them the debt is to old and again for their contact information so my lawyer could send them a formal response to their collection. They were unwilling to provide any documentation of the alleged debt.

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 2023-01-31
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX for {$310.00}. Commonwealth financial/XXXX XXXX for {$2300.00}. Commonwealth Financial XXXX XXXX XXXX XXXX for {$2000.00}. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: NV
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 attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX XXXX. Attempts to verify this account with Experian have been fruitful. The other two credit bureau 's, XXXX and XXXX were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. 

I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit file.

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