BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: EAST WEST BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened a company account at East West BankAccount nameXXXX XXXX XXXX Account numberXXXX Account XXXX Account opening XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX When opening an account, I told the account manager XXXX that I need to open Premier Online Bankingbut After account openingHe opened the essentials of online banking for meI have repeatedly requested to open a Premier online banking for meHe kept perfunctory me XX/XX/XXXX I received a {$2500.00} wire transferWire transfer from a strangerThis stranger lied to meHe changed money with meThen charge back this wire transfer After receiving the {$2500.00} wire transfer i want Withdraw nowbut essentials online banking like XXXX, i need Manual Fill in the remittance slipand XXXX Very slow processing speedso XX/XX/XXXX I can not withdrawand next day this stranger charge back {$2500.00} wireLater I sent all transaction documents with this stranger to XXXXThen my funds are heldThen i waited till now XX/XX/XXXX I open another company account Account nameXXXX XXXX XXXX XXXX Account numberXXXX Account XXXX Account opening branchXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX is the best bank manager I  have ever metHe is very attentive My account has been working normallyuntil XX/XX/XXXX XXXX XXXX told me their branch needs to close my accountXXXX & XXXX XXXXBecause of another accountXXXX XXXX XXXXHe feels very sorryThen tell me Account balance Will wire it to meI just want to say  XXXX Everything is fineHe is a great banker Then I call customer service XXXXCustomer service is transferred to this branch XXXXThey told me XXXX XXXX XXXX Has been closedAnd the check has been sent to my address XXXXbut I have not received any account closure notices Including email and callThen I asked for the check to be cancelled immediatelyAnd mail it to my US addressThis manager told me that can't cancel the checkOnly wait for the check to be returned and mail it againI ask why? He is perfunctory and bad attitudeVery bureaucraticThe attitude of this branch is like 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 2021-05-14
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Notice of Debt letter from Capio Partners dated XX/XX/21. Letter was received by mail on XX/XX/21. The letter claimed that I owed {$200.00} to Florida Hospital, but was willing to settle for a payment of {$120.00}. I called Capio immediately to let them know that the person they are looking for is not me, I have never been to Florida, I have never been a patient at the Florida Hospital, I do not owe them money, and requested that they remove my name from their files and stop sending me letters. The person I talked to was very dismissive about everything, said she would update my address in their files ( which to me indicated that they would continue to pursue me to pay the debt ), was extremely rude, and told me that if I didn't want to pay the debt that I should contact an attorney. I attempted to continue the conversation to provide proof that I was not the person who owed the debt, but she hung up on me in mid conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
An agent from XXXX XXXX  call my place of work ( XXXX XXXX ) and threatened me with being served for my warrant for arrest and jail, wage garnishment, property seizure, etc. if I don't pay them over {$4000.00} for a debt on a credit card I ( never had ) back in 2010 with US Bank. I never had a credit card with US Bank, only a checking account that was closed due to no activity. Their phone number is XXXX and their case number on me is # XXXX. I unfortunately and unknowingly acknowledged my year of my birth, and my last four digits of my SSN over the phone with 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 explanation
Consumer complaint received 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.

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 2021-11-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations Midland Credit Management has made in their attempt to collect this debt from me. 

I am fearful that Midland Credit Management will continue to make threats against me and harass me in relation to the alleged debt. I have sent Midland Credit Management a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Midland Credit Management, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is through XXXX XXXX and is being subserviced by XXXX. They are collecting money to pay the taxes in escrow but they have not paid the taxes this year. Also I have had to make several calls to them over the past 3 years for the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Company- TRANSUNION XXXX Called and was stated to file complaint with FTC XXXX 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-02-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Synchrony bank placed a 60-day hold on my account based on a disbursement I sought to my XXXX acct. Synchrony contends that my XXXX account was frozen which it is not. Bank also confused my information from a XX/XX/2004account I had with a bank Synchrony recently purchased. Bank is holding {$25000.00} of my money. which is disrupting my ability to pay my bills.

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 2020-02-28
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:
I Have tried to dispute the XXXX XXXX account on my credit report several times. 
My social security number was compromised and I became aware of it last year and despite my efforts to dispute the XXXX XXXX account, it remains on my credit report. 

This account was opened in my name using my birthdate, name and social security number without my knowledge. I disputed it with Transunion, XXXX, and XXXX  3 times. They refuse to remove it. The XXXX XXXX XXXX also refused to remove it, even though the account is not mine. 

Company name and Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX Phone XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 called Hunter Warfield in attempt to pay debt. I was sent a letter for {$770.00}, but they are asking for more than that. They sent letter to wrong address. It needs to be sent to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have reached out to early warning services because my bank account for XXXX XXXX has been closed because of the information they reported I have not given them any verbal or written consent under 1681 paragraph b to report anything on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a copy of my XXXX report. I noticed I have a charged off account with Discover Personal Loans in my name. I never applied for a loan with that company. It was opened XX/XX/2016. With a balance of {$10000.00}. The address they have on file for me is not my address and is not associated to me. I would like this account off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my transunion credit report file had a security freeze and fraud alert placed on it. On XXXX/XXXX/2017 XXXX XXXX XXXXXXXX accessed my file without consent. Not sure how or why an inquiry took place on my credit report, this is unauthorized and fraudulent, please remove.

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 2017-06-11
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DISCRIMINATION AND UNFAIR BANKING PRACTICE On    XXXX   XXXX   XXXX      my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within  48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal.  <P/> Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we  apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us.  <P/> We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses.  <P/> We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but  NFCU  could care less that their delays will force our family to endure unnecessary hardship and homelessness.  <P/> We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness.  <P/> Please contact us at  XXXX  or  XXXX  XXXX  XXXX  should you need additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I n  XX/XX/XXXX  - XX/XX/XXXX ,  I was enrolled in   XXXX   XXXX   XXXX   XXXX   XXXX    onli ne. While attending, I had to apply for  a Tuition Answer privat e loan with a co-signer through    XXXX   XXXX  .  As I can recall, I had applied for  XXXX  private loan instead of  XXXX . Currently, I 'm aware that you have filed a lawsuit against  Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've  performed an investigation on my account regarding all my loans  - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to  XXXX . However, I have  XXXX  private loans dated back from   XX/XX/XXXX .  Here are the listed private loans in question : Disbursement   XX/XX/XXXX  - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX   - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t  XX/XX/XXXX -  Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail  ). Direct Repay -- Status : Elig ible.  <P/>  Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of  XX/XX/XXXX , no later than the first week of   XX/XX/XXXX .  In addition, while paying on my loans I 've contacte d Navient in    XX/XX/XXXX ,  XX/XX/XXXX  or  XX/XX/XXXX  regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been  XXXX  month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the   XX/XX/XXXX   of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans.  <P/> I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on  one  account than the other and they are close in age. In addition, why is  Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
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: Account information incorrect

Complaint:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$150.00} from :   XXXX   XXXX   XXXX   .,  which was opened on :  XXXX   XXXX ,  2013 .   I am again disputing that I do not owe this debt.   The  CRA ( Equifax ) co ntinues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me.   Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report.   This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My computer was hacked and routed to a person representing XXXX. The fake agent represented themselves as a XXXX agent with title, badge number, etc. The fake agent got full access to my computer. I did not know it was NOT a XXXX agent. The fake agent told me she could see my Bank of America account was hacked. She told me to check if I had any email notices from Bank of America. I did have a message and it was a XXXX number to Bank of America but unfortunately it routed me to a false Bank of America agent . The fake Bank of America agent told me he could see all the activity in my account and read me the last 5 transactions. He then told me there new fraud transactions amounting to over $ XXXX. He told me he was freezing the account and would start to open a new account but needed to report this to Federal Reserve/FDIC . He called me back with a fake FDIC agent and the fake FDIC agent sent me a letter requiring me to move the money over a Federal Reserve account or I would not be protected. I was asked to go to my local Bank of America branch and wire the money. I did wire the money and once he did not set up new Bank of America accounts, I knew it was a scam. I notified Bank of America immediately but they said the wire was gone and I lost the {$220.00}, XXXX transfer. They would try to send a cancelation but the money was already gone. They had no processes in place to avoid or ask questions about unusual account activity and just pointed to the fact that I signed the wire form. They did not even put a fraud group on the call to review the incident, but said it was wire fraud and I signed the paperwork so it is my issue.

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 2022-04-04
Company: Shellpoint Partners, LLC
State: PA
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:
Original mortgage was serviced by a different lender. Under our original lender, we were in a protected COVID Forbearance starting XX/XX/XXXX, with an end date of XX/XX/XXXX. We were fully up to date on payments with no delinquency before the forbearance. 

Attempted multiple times to set up a repayment plan with previous lender and were given incorrect information multiple times. A previous report was filed against them for this already and I have never received a response. 

While waiting for the repayment plan to be finalized, we were notified that original lender had sold our loan to ShellPoint Mortgage and it would be transferred on XX/XX/XXXX. Conveniently for them, one day AFTER the forbearance protection would end, with no repayment plan set up despite asking for several months to set one up. We were told by our previous lender that they could not do anything to set up repayment plan before the transfer, but that we would be protected for 60 days until ShellPoint could set it up with us.

Made several attempts to contact ShellPoint immediately after transfer in the first week of XX/XX/XXXX, and were told that the documents weren't there yet and needed more time. After much back and forth, we were finally able to set up a repayment plan. 

ShellPoint told us that we had to make 3 trial payments beginning in XXXX, and then the loan modification would be final. Told us that there would never be an delinquency reported as long as we made the payments.

We made all 3 trial payments on time, finalized the loan modification, and then began making regular payments on the new modified loan. 

Shortly after, we found out that they are reported us as delinquent to the credit bureaus. We have attempted to resolve this multiple times with ShellPoint directly. They apparently reviewed it and the deny any wrongdoing and continue to report us delinquent.

We have actual financial damages from this incorrect and illegal reporting. Our credit has taken a substantial hit and we are no longer eligible for credit that we should be eligible for. We are seeking that ShellPoint immediately rectify their credit reporting. We are also reporting this with all 3 credit bureaus. 

I am requesting an update from CFPB when this complaint is processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
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 was paid

Complaint:
PORTFOLIO RECOVERY has reported an alleged debt in the amount of {$440.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. PORTFOLIO RECOVERY obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to PORTFOLIO RECOVERY on XX/XX/XXXX certified mail with green return receipts and I await a response. 
ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2015 I submitted a written letter with ID and XXXX card sent it to Equifax because I was unable to view or obtain my credit report or score. I have been doing so for the for the pass XXXX years and I still have not be able to review or see my credit profile or score this has prevented me from obtaining credit and buying a home. please help

Company response to consumer: Closed with explanation