BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-10
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
iam disgusted with you XXXX? you have protected wells fargo bank, because you are p rotecting your econmany? no1, XXXX, wachovia bank, well fargo bank have numerous law siuts againts them? wells fargo bank mortgages have just been convicted of fraud in in the supreme court new york guilty, {$12.00} XXXX in damadges? TRhis is how i see this act of fraud wells fargo bank mortgages deliberatly put home owners into forclosure because they have 50 % equity in the property claim of the governat FHA what have they got to l oose this is adeliberate act of fraud, we will call this preadatorry lending today wells fargo bank mortgages have been faund guilty of this offence in XXXX of fraud in the supreme court the cfpb have protected this bank to the govermants advantage i hold you fully rponsable for the acts of crime committed this bank ruind my life and my familys lifes and grand children since XXXX the start until XXXX i will take this case to the court of human rights and i will now explode how corrupt the USA is {$12.00} XXXX compensation doesnt seem enought or is this another skam i promis you that justice be done?

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 2021-07-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.

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 2016-01-15
Company: Real Time Group, Inc.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
1.Theft of Mass Proportion of over about $ XXXX.Blatant disregard for the XXXX, Armed Services, actions without verification, Privacy, professional rules of conduct, and the rules of law.Favors and conduct unbecoming of all bank guidelines, concepts, protocol and authorization by me, the account holder. 
2.Recovery and compensation for the suffering of myself, my family and the current threats 3.Immediate follow up and investigations per request of the financial Institution Of the Pentagon Federal Credit Union Fraud Department , Lawyers and Bank managers. of many months of complaint of the main office, Virginia office, XXXX XXXX XXXX, email, and telephone calls.I gave no one permission to make changes or act on my behalf of my life/worldly possessions.

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 2015-09-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have disputed this item before ( CFPB Case number : XXXX ) and have still to be provided proof that I EVER received a letter with a right to dispute ( which I very well would have ). Legally, ( as they very well know ) I have a right to dispute. We have moved several times. Is this why? If so, they still by law must have provided ME with a collection letter with my right to dispute. Because of this ongoing mess and the failure to provide such a document once again, I am requesting this item be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX ( original ) and LVNV Funding , LLC ( collecting agency ) in the file showing under my Social Security number at the XXXX Credit Bureaus.. Upon ordering a copy of my credit report, I see an entry from XXXX " my account was charged off '' and entry from LVNV Funding , LLC " I owe {$590.00} ''. 
These are XXXX different entries in my credit report about the same account. 

I am unaware of " owing {$590.00} or having a charge off '' with these companies. 

I tried to contact them with no result at all. 
XXXX XXXX XXXX sent me a letter, they no longer own this account, it was transferred to LVNV Funding ( Letter is attached ). 
LVNV Funding do n't have enough information about my case. 
( Letter attached ). No one send me any validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15. 

USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''. 
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt. 
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law. 
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident. 
Please be guided accordingly, Very truly yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: MS
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:
Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am writing to request assistance in handling an important matter with Pentagon Federal Credit Union ( PFCU ) .In 2010, I received I received a letter that I had maxed out on a line of credit with this financial institution. This was the first I had heard of any sort of line of credit with PFCU. I mad inquiries to discover that there was in fact a loan that listed jointly in my name and my ex-wife 's name. I had no knowledge of such loan. When I asked for loan documents where I surely would have been required to sign, I was told that the loan was overdraft protection linked to my checking account. I then asked for documentation to indicate that I had requested such overdraft protection. Thus far, I have received a promissory note with no signature and documents for the checking account with no indication that a line of credit was attached. I asked that the line of credit be closed immediately. 
When I pointed this out to PFCU, I was told that notices were sent out whenever the line of credit was used. I requested copies of these " notices '' but that request was not fulfilled and I never saw these notices. 
After making several payments on the loan when I was still married, I discovered that the balance was much the same as it was when it was maxed out. I called to inquire and was told that the line of credit was never closed. I again requested that it be closed. Months later, I experienced the exact same issue. 
How is one supposed to protect thier money and financial interests with PFCU when such a loan existed without signature? The continued response I received was, " you 're liable and payments must still be continue to be made. '' Futher, I have paid of XXXX vehicles with PFCU and they are holding the titles of those cars against this loan that is completely isolated. I am arguing to be removed from this line of credit as PFCU has misused my membership. 
1. ) I never signed for this loan and the signature block of the promissory note is PFCU provided is blank. 
2. ) There is nothing on my checking account application or check card application to indicate I had knowledge that a line of credit was linked as overdraft protection. There is a line which states " XXXX as applicable, '' however, how is any customer to know what " XXXX '' stands for and why would it matter to a customer if they know no such thing is applicable as they must have knowledge of it. 
3. XXXX vehicle car titles/ are being held despite loans being satisfied over a year ago.

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 2015-05-11
Company: Concord Resolution Inc (Closed)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CHECK INTO CASH INC.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Receivable Solutions Specialist, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.

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 2021-07-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello ShellPoint I received a call from a company that assist with modifications. 

The indicated there is a pending foreclosure recorded XX/XX/2021. 

The foreclosure is pending recorded by XXXX XXXX XXXX The foreclosure document is not recorded by ShellPoint. 

Are you aware of foreclosure default document recorded. 

I am trying to understand what is going on Help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a financial hardship and have filed for a loan remodification. Since I have filed for a loan remodification I have requested other information to be mailed and emailed that I have not received. I have also had problems every time I call them and can never get through to speak to someonethat is handling my case. My options are to leaves voicemail and wait for someone to call me back within 24 hours and i still do not receive a call and I 'm always having to call back and speak with someone that is not assigned to my case/loan, which is frustrating and time consuming. As of now I am facing foreclosure and am required to vacate my home within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: PINNACLE RECOVERY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I applied for a XXXX credit card and read the agreement .It says there will no monthly maintenance fees started until 2nd year of terms.Yet I closed my account before entering the 2nd term.There is still a balanc I am paying off from the company.They have added the monthly maintenace fee on tho while paying it off tho. I dont feel that is legal according to what I read.This is due to the fact as I said I didnt enter in to the 2nd year of term because I wasnt willing to pay a {$120.00} annual plus a XXXX $ monthly fee, that would have been XXXX a year to keep open whether you have a balance or not.

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 2021-07-02
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was working with a private contractor for some home renovations. I received an email from the contractor asking for the down payment to be sent via Venmo. I opened the Venmo account and sent a total of {$4900.00} to the account requested. The first payment of {$2500.00} was sent on XX/XX/21 and {$2400.00} was sent on XX/XX/21. On XX/XX/21 I found out via a phone call from my contractor that his email had been hacked and I was receiving messages from the hacker and not from him. I contacted Venmo and they suggested that I reach out via the account and request the money back. Of course this did not work. They also recommended that I file a report with my local police department and have them contact Venmo and that they would cooperate with a police investigation. On XX/XX/21 I filed the report of theft with the PD. To date neither the police department or me have had any cooperation from Venmo. There has to be a way that Venmo has information on this fraudulent account and who holds it. They should at least be cooperating with the police on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial Holdings, Inc.
State: NJ
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:
The Victoria secret credit card was charged off in XXXX and then reappeared as 150+ days late as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the executor of my later mother 's estate. My mother XXXX XXXX  on XXXX XXXX, 2017. My mother had numerous accounts with Bank of America, all of which are payable to named beneficiaries at her XXXX. I notified Bank of America of her XXXX in XXXX 2017 when I personally met with a bank employee named XXXX at the XXXX, IL branch office. XXXX telephoned the bank 's " XXXX XXXX XXXX ''  while I sat at her desk. She was told the bank would mail out a claim packet for me to complete and distribute to my mother 's other beneficiaries. I had a certified copy of my mother 's XXXX certificate in my possession at the time. XXXX informed me the bank did not need a copy of the XXXX certificate as they had been notified by the Social Security Administration of  my mom 's XXXX. A XXXX claim packet never arrived so I again visited the XXXX, IL branch and met with the branch manager, XXXX XXXX. XXXX XXXX contacted the " estate unit '' and was told that I had previously been given bad information and that the bank did need a copy of the XXXX  certificate. A few days later, I personally delivered the XXXX certificate to XXXX XXXX. That was sometime in early XXXX. When several weeks passed without receiving anything in the mail from the bank, I began to communicate with XXXX XXXX via email. Emails were sent to XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I also had telephone conversations with XXXX XXXX on XXXX, XXXX, and XXXX. Even though the bank had been informed of my mother 's XXXX in XXXX 2017, they renewed a 24 month CD in her name on XX/XX/17. Until XXXX, I had received nothing from Bank of America, not even an acknowledgement of my mother 's XXXX offering condolences. On XXXX I finally received the claim paperwork from the bank. The paperwork was completed, notarized, and dropped off at the XXXX, IL branch on XX/XX/17. To date, I have received nothing, not even an acknowledgement from the bank that they had received my paperwork. I worked at a bank for several years and find it incomprehensible that this has been going on for five months. I truly believe that XXXX XXXX did her best to try to help me with the claim, but was put in a bad spot by the " estate unit '', if one truly exists. I believe the bank 's actions or lack thereof is totally irresponsible. Bank of America 's inexcusable " customer service '' is certainly something no grieving family should have to experience. Please help our family out so we can put Bank of America out of our collective minds. Thank you.

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