BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Neuheisel Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Neuheisel law firm contacted my phone number and my wife 's cell phone looking for her brother. They stated he listed the numbers as contact information. They lied, he does not know our home phone number. This company is skip tracing relatives to get to him. When told not to contact us, they called my wife 's number. 

This company is engaging in illegal communication tactics. They get rude when you tell them to lose my number. Lastly the home number they contacted is in Texas the person they are looking for is in Arizona.

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
Consumer complaint received 2022-05-24
Company: Advance America, Cash Advance Centers, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A fraudulent payday loan was opened in my name in a Indiana store location. I'm a Illinois resident and never took out a payday loan with Advance America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
received a collections letter on three different transactions for three different days they claim it was three different checks written to XXXX XXXX in XXXX. i never went to this place and never cashed anything. I asked for proof and copies of these three checks and all i got was some signatures that do not match. You can also clearly tell all three do not match each other in anyway. They also could not provide me with any pictures of these three checks and claim they gave the checks back to the person. I have filled a police report and waiting on them. This is 100 percent forgery and fraud. I want to press charges to the fullest for thinking they could do something like this with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to find a solution to this foreclosure situation we have been facing with Select Portfolio Servicing ( SPS ) for years now. At first, they reviewed us for the XXXX programs ; then, they told us that we were not eligible due to a " business decision '' by the investor. When we questioned this repeatedly as to what that meant, we were eventually told that the investor does n't participate in the XXXX programs. Why would our income and other underwriting factors be considered if the investor does n't participate in the XXXX program? 
In XXXX of 2016, we were denied for the in-house program as well. However, the gross monthly income used for the review was shorted about $ XXXX/month even though all documents verifying the household income were submitted in a timely manner. We chose to resubmit a new application with very detailed verifications of income. SPS finally got the gross monthly income correct, but still denied us for any mortgage assistance, once again claiming that the investor did not allow for approval of the in-house program as well. When pressed, we were then told that the reason was actually that they could n't make an affordable payment based on the guidelines of the program. When we pressed SPS for more details such as the proposed modification payment and what terms were used to reach that proposed payment, we were eventually told that this is " proprietary information '' that they did n't want to disclose (!!! ). 
We have done everything asked of us to try and resolve this issue and get back on track with our mortgage, but we feel like SPS is doing everything they can to complete the foreclosure process. They have scheduled a sale date for XXXX/XXXX/16!!!! 
How can we not be eligible for the XXXX program when SPS has taken so much bailout money ( almost {$2.00} XXXX " committed '' )? Why wo n't SPS produce this servicing agreement that prohibits our loan from any participation in these programs? And lastly, why wo n't SPS show clearly how we do n't have enough income to be modified under the in-house program they offer others? It 's not right that these people keep misleading us as to why we can not get assistance and when we do n't just accept their denial and ask for details, SPS chooses to be secretive ( indicating they 're likely doing something wrong ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute this account with Kay XXXX multiple times as it is not my account and is showing as closed - charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}

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 2017-09-11
Company: Alliance Collection Service
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls from Alliance several times per day every day, I have no idea which debt they 're trying to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed my checking account on XXXX/XXXX/2017 without my authorization. My multiple employers all had direct deposits linked to that account, and now I am unable to get paid due to Wells Fargo closing my checking account without my authorization. I called customer service at XXXX at XXXX on XXXX/XXXX/2017 soon as I received an email notice at XXXX stating that my checking account had been closed. I informed customer service that I did not authorize this closure. Customer service could not tell my why my account was closed, and customer service refused to reinstate my checking account even though I informed them that I did not authorize closure and that I had multiple sources of income linked to that account via direct deposit.

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 2015-12-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is looking to hold more than {$1000.00} in mortgage escrow account. When they were called they are telling me they need {$3700.00} for the same escrow amounts paid the prior year. Also I have health conditions and have made my payments bi weekly a few times due to financial hardship and they did n't apply my money to the loan they put the funds in a General ledger per the bank representative. I always though the funds had to be applied to the loan when the payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}

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 2022-08-29
Company: EQUIFAX, 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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX and Convergent Outsourcing are negatively reporting on my credit report with XXXX and XXXX that I am late and owe {$320.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian fails to delete account in question after i pointed the obvious inaccurate reporting of account name XXXX XXXXXXXX I asked experian to delete this account because this company does not own it, there fore they don't own it they can not report on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have received a response from SPS they have asked again for updated BPO Hud-1 settlement with buyers name ( XXXX ) bank statements tax return 2015 need second BPO Value, Description, Condition, color Photos, and a minimum of XXXX comparable. 
they had and have all these document 's, what I need is for SPS to read all the above and all the many more document 's that they have asked for complete the review, for the lasts 8 months. 

does is make any sense for me to keep making complaints, to a company to complete my short sale if I were not sending what was ask for to complete it. and why would I not what them to complete it, why would the realtor not provide all the document 's to complete, the purchase for her buyer for over 8 months, should make you wonder what SPS has been doing with all the document 's, if these short sale review was only just started I can see the request for additional document 's still being asked for over 8 months??? 
again I feel SPS I not capable of doing a Short sale by any government standard, and are internality, keeping my property from completing the short sale, CFPB needs to do more then process complaints which is more then SPS can do. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on 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 monetary relief
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My rush card was inactive for seven days.. I was expecting my pay check on Wednesday XXXX XXXX and did n't gain access to my funds until XXXX XXXX I called numerous times only to be hung up on. Whenever i did get someone on the line, they ran the same script saying they will call me back with information as it becomes available to them. I will no longer be banking with rush. They caused my light bill check to bounce ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: TX
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:
To Whom in concern : A collection company ( XXXX XXXX ) has placed a collection item on my credit report ( Equifax ) for the amount of {$2300.00}. I have sent two ( 2 ) validation request to XXXX and they have not conducted a proper investigation. They provide a copy of a bill with no other supporting documentation. On my second validation request they provide a standard response with no additional information. In addition XXXX failed to conduct the investigation in the thirty ( 30 ) days. As proof I have provide all USPS certified letter tracking number with dates. The envelope with XXXX response is dated XX/XX/2020 which is over the 30 days required. They didn't provide a letter requesting an extension. In addition this account was not listed as disputed by consumer on my credit file within Equifax. 

This collection on my Equifax report has caused my family harm in we are unable to gain favorable credit interest rates. 

This item should be removed because it does not belong to me, and XXXX has failed to follow FCRA. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was overdrawn on my checking account due to a paypal charge XXXX was for XXXX dollars and XXXX cents, so wells fargo charged me XXXX dollars overdraft fee even though they took the money out of my savings account, another charge was XXXX cents and they charged me XXXX dollars over draft fee, the bank made XXXX dollars for a less than XXXX dollar mistake.

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 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received from Bank of America, Alaskan Mileage Plan. Statement payment information a account number for Visa Signature. I contacted Bank of America today XX/XX/2022 this is the day that I received the statement through the mail credit line of {$10000.00}. I was told by Bank of America that also a MasterCard was opened up in my name for the dollar amount of {$10000.00}. No charges have been made on either cards.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called and told that couple of days ago I got my credit report and noticed some inquiries that Ive never authorized and I tried to dispute them via phone and they refused to help me. I need this inquiries off my credit as soon as possible.

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 2020-09-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had a mortgage from PenFed Credit Union for several years. We requested and have been getting monthly paper bills since the beginning of the loan about eight years ago. We did not receive a paper bill for the current monthly payment due. I have spent hours and sent numerous emails to PenFed to get the monthly bill which contains data important to my record-keeping. ( Data such as the amount of principal and interest with each payment because sometimes I want to make extra principal payments ). 

I've gotten no response to any attempts at contact. When I managed to get through on one call, the rep transferred the call to a voice mail where for hours you can listen to elevator music and a sales pitch.

This has been going on for about three weeks. 

Fearing that our XXXX payment due would be outstanding, I went online and used my wife 's debit card to pay the monthly total ( based on the previous bill ). This was a week ago but still the amount due shows the same amount. 

We have no idea what's going on there but it has to be chaos. I've been waiting on hold with PenFed for more than an hour even as I write this. Part of the problem stems from their " new '' interface which is really bad and actually doesn't work. Go online with it an you'll see. The information we need is lacking. With regard to our own mortgage, it still shows the same amount owed in spite of the fact that we paid with a credit card. The messaging/contact links do not work. No one comes to the phone. No one sends messages back. If you were here, you would know I'm not exaggerating. It's  almost criminal whatever they have going on. I'm furious. I'm not a crank. We pay our bills. I can provide full and detailed information upon request. 

I hope you can help resolve this mess.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All negative adverse accounts placed on my report is causing me XXXX XXXX I never gave any authorized consent to report anything adverse on my consumer report. They violated Title 15 USC 1681b. They reported negative things without asking me for permission to do such atrocities.

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