BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Other

Complaint:
They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Credit Karma, LLC
State: WA
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 noticed a XXXX hard inquiry via creditkarma.com I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX  in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXXXXXX XXXX XXXX  according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Trademark Management Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Took out pay day loan from XXXX .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from Trademark Management Solutions XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and XXXX thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: Ocwen Financial Corporation
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I sent in a request to PHH mortgage XXXX XXXX explainingthat on XX/XX/XXXX, I reached out to the company. At that time my mortgage was LESS than 90 days late. I spoke to a representativeon the phone and she told me exactly what I needed to send in to bring my account current. I sent a cashier 's check of {$6300.00}. That money covered XXXX, XXXX and I was paying my XXXX payment in XXXX. I paid all the way up till XXXX. However, Ocwen claimed that they never receivedthe payment. They said they were researching the payment. I went to my bank and got all the receiptswhich revealed that I got a cashier'scheck on XX/XX/XXXX for {$6300.00} and on XX/XX/XXXX for {$670.00}. On XX/XX/XXXX, Ocwen transferredto PHH and you all lost my payment in the process. I was told not to pay again until XXXX while they look for the money. When the money was found I wasn't even notified, I was never treated with any respect, no one ever returned my emails or my calls. I had to call around the clock! In the end, you never acknowledged your error. On XX/XX/XXXX, I once again reached out to see what was going on with my mortgage and I was told by XXXX XXXX that I would be notified by mail. The mail came and I read that my house was in FORECLOSURE! I was mortified because how was my house in foreclosure when I paid my bill and I was never over 30 days behind? The company forbade me from sending in my XXXX payment until they found the lost payment. I filed complaintswith the XXXX  and the Consumer Protection Agency and I am doing so again. Your company responded to my complaint on XX/XX/XXXX and the letter stated : '' On XX/XX/XXXX we receivedfunds in the amount of XXXX which was applied to payments for the period of XX/XX/XXXX through XX/XX/XXXX with an effective date XX/XX/XXXX ''. This response did not address my issue, it doesn't acknowledge that my money was lost by PHH/ OCWEN in XXXX and that XXXX was what I was forced to pay to get my house out of a foreclosure it never should have been in in the first place. I request that the existing fees be waived as I never earned them. Also, any money I was forced to pay that I did not owe associated with a foreclosure that was NO fault of mine be sent. I have sent you copies of the funds i took in XXXX. In XXXX of XXXX, I owed XXXX and XXXX as it was not the end of XXXX yet and I paid what was owed, this company is unprofessional and you are dishonest and lack integrity. I want my letter to be properly addressed this time and I want the fees removed from my mortgage expeditiously. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XX/XX/2017 I received a letter and a copy of an " Association of Council '' from the Law Offices of Patenaude & Felix A.P.C. informing me that they were representing XXXX against me. My account is current and I have never been late. I called XXXX and they informed me that they have not assigned this " law firm '' to represent them against me and asked me to fax over the letter I received because they had no knowledge of it. I have read several reviews of this company stealing money from people via getting judgements to collect on erroneous debts and illegally garnishing paychecks and bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a modest savings account and rent a safety deposit box with Bank of America in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called BoA customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Intentionally failed to submit summons or complaint to notify defendant of a lawsuit. Has a bad history of withholding critical information from consumers concerning lawsuits and verifying and validating debts. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX between the hours of XXXX my vehicle was seized, and held by Exeter Finance LLC XXXX with a partnering tow company XXXX XXXX XXXX less than 2 days after I filed a complaint with the CFPB for a null contract that I attempted to have rescinded with them and all my payments returned. When I discovered their attempt to defraud me out of payments by a clause in the contract, and attempted to demand remedy by way of refund, and return of title, they then denied my attempts to in good faith recover what was mine to begin with. I in turn filed a complaint with the CFPB to attempt to have mediation in the situation so that it may be remedied lawfully, and all that is due to me including damages be returned. 

I have then since received mailings from the company claiming to have lawful right to the collateral, and a notice of a their plan to sell my car which they have no lawful right to do so per : 15 U.S Code 1692f Section 6 which states : Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

My attempt to make them aware that the contract was null due to false or misleading representations have just been met with denials by the company with no actual lawful precedence that they are within the scope of the law with continuing to pursue collection for a debt already paid in full upon purchase. 

I have not received any lawful mailings of judgement, lawful lien holder judgement from the company XXXX Exeter Finance LLC ) or the partnering company XXXX XXXX XXXX XXXX ) that will allow them to be able to lawfully seize and hold my car, while denying my right to redeem my vehicle from the tow lot of the partnering company XXXX XXXX XXXX XXXX ). I have performed a search for any liens or judgement placed on my vehicle by the company in state the vehicle was purchased which gives them the right to my property ( car ), and I have found none since the vehicle was purchased on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Sought balance to applicable and prevailing interes on various deposits and its brought to current from trend in pay breach on interes balances in this sector XXXX to XXXX XXXX Card to XXXX to XXXX to BOA

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 2022-10-31
Company: MoneyLion Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I dispute this claim with my back and credit agency, I do not have an account with this company, and never had.i haven't made any payments or withdrawal, no record of the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has been violating my constitutional civil right to access and participate in government. 
Upon the bank 's and servicer 's decision to park and stall the modification process by withholding a written determination on Appeal provided by the Appeals Department I have been unable to access and participate in the federal government Making Homes Affordable ( MHA ) programs and the status government Hardest Hit Fund ( HHF ) programs. As am American citizen, I am afforded certain constitutional civil rights and liberties. I have the right to access and participate in the federal government MHA programs and the state government HHF programs. 
Bank of America and their representatives have denied my access and participation in both MHA and HHF programs. Specifically, the MHA Home Affordable Modification Program ( HAMP ) and the HHF Unemployment Assistance ( UA ) program. 
I have asked many times before his for a detailed explanation the bank 's and servicer 's decision to deny access and participation in these government provided programs, but have been unsuccessful in getting any response whatsoever that addresses the matter. If Bank of America refuses to address my concerns now, they may have to address my concerns before a California Judge later. 
All Bank of America has to do is address my concerns directly by explaining why it is a process designed to take six months had been extended to fifty plus months and not provide a nonresponsive reply to this lates CFPB complaint. 
All other previously mentioned resolutions.

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 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my bank of america account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage for a house on  XXXX   XXXX  from   XXXX   of  XXXX   XXXX , FL, then a month later the mortgage was sold to  XXXX   XXXX    XXXX   whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with  XXXX , The bank turned me down five times and sent me a letter for foreclosure on  XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in  XXXX  county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to  XXXX  Bank  XXXX   XXXX , after Hud approval.  XXXX   XXXX    XXXX   pursued foreclosure unsuccessfully since they lost in court in  XXXX  in  XXXX   XXXX   XXXX  loan servicer came on board to service this loan for  XXXX   XXXX  (  BSI Financial Services  ) After losing battle in court  XXXX    XXXX     XXXX  transferred the loan to  XXXX   XXXX  and BSI kept servicing this loan. For over a year  BSI Financial  attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Then sold the mortgage back to  XXXX   XXXX  keeping  XXXX   XXXX  as their servicer, this happened just on  XXXX  .The pro blem is that  BSI Financial i ssued me a  XXXX  tax form for the year of  XXXX  after they transferred the loan to  XXXX . I called them to find out the validity of this and after speaking with  XXXX  at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected  XXXX  .I must  mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on  XXXX / XXXX / XXXX  '' .My house has never been in bankruptcy, not sold or else. Records on  XXXX  county, FL still show I 'm a the owner of this property.BSI has placed my name on the  XXXX  credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  to correct and issue a corrected  XXXX . Thank you very much for your help

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 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Was denied a loan modification from bank of america for reasons that were false. The loan is an investor loan and bofa is just the servicer. The bank indicated that investor declined the loan, but the investor was never contacted because I spoke with the portfolio manager at XXXX the investor. I was again denied on appeal. Appointments were missed by bofa because they will contact me at a number that was not the best contact number. I gave the bank the best contact number but somehow the will chose to call a different number. Reasons for the modification was hardship due to a decrease in income and increase in the mortgage payment. Decrease in income caused by medical retirement. We just completed a 4 yr successful modification and we applied for a continuation because the hardship was still in effect and had gotten worse.

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 2016-04-06
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
had a student loan from sallie mae around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to XXXX XXXX and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: VA
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:
I got alert from Experian that my credit score dropped tremendously I then logged in my account to see why and there was no changes on my account i have made all my open accounts payments on time and there was no collection added on on my credit report so there has been a credit score reporting error to my account i also contacted XXXX XXXX and the informed me that they do monthly report my on time paymants to Experian credit bureau.

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 2022-11-01
Company: EQUIFAX, INC.
State: CA
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:
Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent a money transfer back in XXXX. The money was never picked up by the receiving party overseas. I called WESTERN UNION they confirmed that the funds were available and that they would send me a check. 4 months later, and about XXXX reps promising me payment, I have still not received my refund from Western Union. Furthermore, the Western Union system no longer recognizes the tracking number ( a number they assigned to my transaction ). So it is as though I never sent money. The tracking number conveniently drops off after XXXX to 60 days after the transaction. So if they drag their feet to refund you, you disappear from their system all together. 

I write that Western Union 's refund policy be investigated, what do they do with " unclaimed money ''? Because they make efforts to claim the money very difficult on the sender. Most of the people using this service do are immigrants and they do not have a voice to communicate and navigate Western Union 's very complicated customer service. Most of my calls were routed to the XXXX.

Company response to consumer: Closed with explanation