BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After  XXXX  years and  XXXX  months,  XXXX  sold our 15 year, fixed-rate mortgage to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  effective   XXXX   XXXX   XXXX    .  XXXX  sent us a NOTICE OF SERVICING TRANSFER dated  XXXX / XXXX /  XXXX   and we received it the following week.  XXXX  sent a SERVICING TRANSFER NOTICE dated   XXXX   XXXX   XXXX   that we received on or about   XXXX   XXXX  . Both the  XXXX  letter and the  XXXX  letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with  XXXX  from the time that the loan was originated until the sale date was half payments deducted by  XXXX  withdrawal from our checking account on a biweekly basis. After being unable to register our account on the  XXXX  online system between   XXXX   XXXX   and   XXXX   XXXX      XXXX  , I called  XXXX  Customer Service on the afternoon of   XXXX   XXXX   The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for  XXXX  days but that payments must still be made in the interim as their   XXXX   letter also said. However,  XXXX  did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with  XXXX . He specifically told me that the first ACH transaction that  XXXX  would have processed on  XXXX   XXXX , would be delayed until approximately  XXXX   XXXX  and that regular biweekly ACH withdrawals would resume on  XXXX   XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about  XXXX   XXXX  orienting us to  XXXX  and its customer service, but did say that if we had n't heard from them by about  XXXX   XXXX , that I should call back. By  XXXX   XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from  XXXX  informing us that  XXXX  did not offer the payment plan that we had with  XXXX  and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on  XXXX   XXXX  and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on  XXXX   XXXX . I believe that  XXXX  has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by  XXXX  to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/XXXX, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. My XX/XX/XXXX, payment was due. On, XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX which put my account into a current status. My next mortgage payment was due on, XX/XX/XXXX. The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/XXXX, just days after my account was put in current status the troubled loan servicer created a XX/XX/XXXX, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/XXXX, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/XXXX, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/XXXX letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous of certified mail dating back to  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX   Asking Bank of America to valida te this debt of {$13000.00} that they say I owe. And in validating the made pursuant to the Fair Debt Collecion Practices Act I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Asking them if they can not validate the debt then per the FDCPA they must delete from all credit reporting agencies.  (   Section 807-8 ) Well the y have not complied in the last 10 months of me sending these certified letters that they signed for and still have yet provided me with evidence bearing my signature of validation. Certified Mail  1 )   XXXX   2 )   XXXX   3 )   XXXX   4 )   XXXX . On  XXXX / XXXX / XXXX  I sent   XXXX   a Certified Letter including all of the certified mail receipts and all of my attempts in getting this debt validated. I got a notification that my disputes were completed and pulled my credit report on  XXXX / XXXX / XXXX  and noticed that not only were they not deleted but Bank  of America was   contacted by   XXXX   validating the debt once again without any contract bearing my signature but violated the FDCPA by not marking this debt as "  Disputed ''.  within 30 days. I can simple prove  that Bank of America o we me damages of {$1000.00} per P art 1 FDCPA 808 ( 8 ) I ' ve attached all of my supporting documents including  XXXX  disputed confirmation #  XXXX  Inwhich confirms not only did they not mark it as " Disputed '' but continue to validate the date without any proof.

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 2021-06-16
Company: Earm LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received vague and seemingly threatening voicemail from a local area code. Unidentifiable company, generically named representative XXXX XXXX XXXX gruff voice, curt speech like an interrogation not a customer service agent ), attempted to use my mothers XXXX real ) name to bait me into calling back at a different XXXX number. Dont know how they got it, as she doesnt have any debt and I care for her in-home. That alone is despicable. Also claimed I was a person of interest which is cop lingo for wanted and I feel uncomfortable enough now that I need to report it. 

Based on the similarities of others online ( over 100 cases I saw for the same thing or similar, all listed XXXX XXXX XXXX, I did not return the call. I dont believe this to be legitimate. Transcript below. 

Hello this is XXXX XXXX with MAC the reason for my call today is because we had you listed as a reference for XXXX XXXX. If you know who this is please press one now or hold for a message. ( Pause ) You are listed as a person of interest in an important matter that does require your immediate attention. Contact us directly at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
All three of the credit bureaus only updated the file in XXXX XXXX on my credit reports which proves they were reporting incorrectly for years. None of the bureaus removed this fraudulent information from my credit report. 

This is my second attempt with the CFPB to get this removed and I cant count how many times I have asked each bureau to review this account and it continued to be incorrect. 

This complaint is a continuation of CFPB complaints submitted XX/XX/2021. 
XXXX XXXX XXXX I am under the impression that all three companies rushed through this process and reported back that the investigated and updated the accounts when they actually did nothing. 
Please assist me in getting this fraudulent account deleted.

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 2021-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account at Wells Fargo and wand Wells Fargo gave me some money back from an investment amount of a XXXX XXXX and then there was also a XXXX XXXX dollars that was placed in the account on that day and this is the bank on between XXXX and XXXX and XXXX XXXX on market in XXXX XXXX and and I found out that they were giving away the money in my account and I'm winning a couple days later Or maybe A-day later and there were people we're people getting money in paper bags from the bankers.. In addition Wells Fargo and every other bank in the world just about has taken XXXX XXXX XXXX that was placed in every bank XXXX years ago in my name XXXX XXXX XXXX I want my money returned immediately! As well as from all other Banks and persons who had taken it! There was also {$900000.00} deposited into my serve account under XXXX and I want that back as well

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 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express's prepaid debit card services (Serve, Bluebird) have been completely non-functional since ~XXXX EST this morning, on Friday, XX/XX/2019. Users (including myself) are unable to log into their account on either the serve.com website or through the Serve mobile app. The app displays a message explaining the issue is due to maintenance. The website displays a message explaining that the site is down, but affected users' debit cards can still be used. However, said cards are declined when used for transactions, both online and physically. When asked for comment, American Express's officiaXXXX XXXX accounts (@AmericanExpress and @AskAmex) send generic, copied responses that explain little regarding the status of the problem (ex: "Thank you for reaching out, we are aware of the issue and we are working quickly to resolve it. We appreciate your patience. Your funds remain safe and secure. ^D".) In the meantime, the @AmericanExpress XXXX  account posted a tweet promoting a production of the theatrical play XXXX before acknowledging the ongoing issues on the account an hour later. The effect is worsened due to the outage occurring during the XXXX shopping season and on the day of the week that many working Americans receive their weekly paychecks, which American Express offers and promotes a direct deposit service for and is now unavailable to those using Serve and Bluebird debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Phoenix Financial Services LLC
State: KS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Hi I spoke with the credit agency  three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the   XXXX   XXXX   XXXX   as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in   XXXX     I 'm including the copies of that document as well as the showing that  XXXX  was not responsible for work from the beginning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019 I attempted to log into my Serve.com   app to check my balance, and was unable to do so. Upon further investigation, I realized that I was unable to use my card, check balance or anything at all. This is the card that I use to have my paycheck direct deposited on, and being unable to access my funds is causing me financial hardship. It is five days before XXXX, and not only do I have bills to pay, presents to buy and children to feed, but I can't even put gas in my car to get to work. This is unacceptable. As of this point, this is the first issue I have had with this company, but I am beginning to think I need to find another prepaid card to have my deposits added to. I would like compensation for my trouble and hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2017-04-25
Company: Experian Information Solutions Inc.
State: MI
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:
Went to rent an apartment and the company ran a credit report. On that report it showed that in    2014  I owed {$4000.00} plus dollars to a company called  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  MI. I have never lived in that area and during that time lost my identification and Social Security card. I believe this is a case of identity theft and need to resolve this issue in order to clean up my credit so I can rent an apartment in  XXXX   XXXX  MI.

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 2017-04-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end  of 2016,  I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did.  Now there may be  a  Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the  Mortgage co. wa sting so much of my time. I do not have any money for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They said they had sent out a letter and we never received it and then we got a card that said the account had been closed. And when we went to the bank we ask XXXX XXXX if we could get a letter and send it back in and he said no. XXXX XXXX told me that the money was in the bank but he didn't know where, and he gave me numbers to call and it was always automated never could talk to anybody, so we left a message and they have never called back yet. So then went back to Truist formerly Suntrust and talked with XXXX XXXX again and I told him he worked for Truist  formerly Suntrust he should be able to get more answers than I could. XXXX XXXX called me back a couple times right after it happened, then he never called us back anymore. So we went back to see XXXX in person he wasn't in, so we talked with XXXX XXXX and we haven't really got any more answers since then and it has been 3 months or more so that's why we reaching out to consumerfinance to find out where my money is, because nobody at Truist formerly Suntrust  can tell me anything. XXXX XXXX acted like they wasn't responsible for my money. XXXX said the money could not be put back in the account, this is the Suntrust branch in XXXX, NC. I ask XXXX why they had all automated stuff so they wouldn't have to talk to anybody and she said yes. So I ask her if Trist formerly Suntrust if they used the automated to give people the run around hoping they would give up. But I'm not giving up. I ask XXXX when people don't respond back if they didn't call and she said no, if they called and left a message people would get back with them, This wouldn't have happened if they had called.

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 2017-04-20
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Continuing problems with false reporting with  XXXX  mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in   XXXX   XXXX   XXXX   They updated the account after we proved we made all of our payments  ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax is refusing to remove  XXXX   XXXX   XXXX  from my credit report. Even after seeing that is inaccurate information.  XXXX  has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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