BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I lived at my prior address on XXXX XXXX, I contracted XXXX XXXX for internet services. After about 30 days of service we canceled our plan and paid out the account in full to have our service agreement fully closed. 
About 2 years ago, XXXX XXXX began attempting to collect on unpaid service for the months following the cancelation of the plan, and a new early termination fee. We disputed the charges directly with XXXX XXXX and gave a copy of our payout and termination agreement. Copies of our bank account showing that the fees were withdrawn by their company and the date/time this happened. 
Now every few months a new collection company calls, adding fees and service charges to the " debt '' illegally inflating the already invalid debt. 
No matter how many times we ask them to take us to court for a final settlement, they keep sending it to new debt collectors that only want money. As soon as I ask to go to court for final settlement it is passed along, jacked up and ran through my credit again and again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has failed to investigate multiple queries coming from XXXX back. 
those queries comes from the follow dates:XXXX/XXXX/2015XXXX/XXXX/2015those queries has been already investigated and all I get its a generated statement rather than a explanation of the nature of the queries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a modified mortgage in XXXX and my payments kept going up and I was having trouble making those payments. I am a XXXX, I could be working one day and out of work for 8 months. This job is very unpredictable. XX/XX/XXXX I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in XXXX and XX/XX/XXXX at the forbearance rate. I tried making XX/XX/XXXX payment and was told I was in foreclosure since XX/XX/XXXX. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stated in the forbearance agreement. I went thru the agreement and there is no such statement. My wife keeps in contact with Bank of America regularly. She is not listed on the mortgage but does all the work with them for me. When my wife went thru the forbearance contract it stated that after the forbearance period the payments would return to normal. There was nothing in there about making a payment for an overdue balance. My wife spoke to the manager in charge of my mortgage. He accused of her of not being able to read and understand the paper work involved in the contract of the forbearance. She asked him to send her a copy of the paper that states the balance must be paid at the end of the forbearance period. He stated he could not because one does not exist. He also told her that she could not speak to any one else but him. If she called she had to have the representative get in touch with him immediately. My wife is not on the mortgage and she received a bill in the mail in her name only for {$11000.00}.

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 2016-06-01
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was in a auto accident and I have a judgement against me. the law firm will not report the payments I am making to the credit bureau, so I can be shown as making the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When I purchased a home the company completely messed up the funds and the mortgage company sent them followed by an attempted hack of my account which locked it for 7 days and when I called them about it they transferred me around to try an get me to hang up and in fact hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to refinance my mortgage with " Loan Depot '' who told me they would match any interest rate being offered by anyone else. They did n't do it. I went to another lender. I already paid for an appraisal with Loan Depot, the new lender needed an appraisal done and I was told I would need a transfer letter from Loan Depot to use the appraisal that we had just done, I asked them for the transfer letter but they refused to submit it. I had to pay for another appraisal. I 'm told they are required by law to transfer the appraisal yet they flat out refused to do it and would never refund me the extra {$440.00} I was out for the extra appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note.

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 2017-01-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
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:
The AMCA ( American Medical Collection Agency ) are trying to collect a debt for {$960.00} that is not mine. The first letter I received from them was on XXXX, then XXXX on XXXX and this XXXX XXXX on XXXX and now dated XXXX on their letter. This last letter is written in a threatening tone. I responded on the same letters they sent me on XXXX, XXXX, XXXX and mailed the response the same day explaining in very courteous form that they billed me in error, the same on XXXX and now again on XXXX. The letter they sent on XXXX I faxed to my doctor as % his request. I explained on the other letters to AMCA the DEBT IS NOT mine and that I am XXXX and on food stamps as well. I HAVE XXXX. and these threatening in tone communications are exacerbating all my symptoms. They stated in this last letter that I had not disputed the debt ; a blatant lie on their end as I have responded in written form 3 times and I keep copies of everything!!! They have attempted this in the past as well with a much smaller debt. That ended in XX/XX/XXXX but went on for 2 years prior to that as well. Is this company is preying on me because I am XXXX??? Please help me as best you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Sale of account

Complaint:
I recently read about Citibank being fined for unfairly charging its customers for extra products and also for unfair debt collection practices. I had a card with Citibank for many years, the balance of which was supposed to have been paid off as part of my divorce proceedings in XXXX. In XXXX XXXX I went to the bank to find my checking account had been frozen due to a lien placed by Citibank. I was never served copies of a judgment or received any communication at all either from Citibank or its attorneys. Calls to the law firm are not returned and I can not get resolution. They recently placed another lien on my bank account. After reading about CFPB 's fine of Citibank, I would like to know how to find out if I am XXXX of the millions of consumers that were affected by their fraudulent practices.

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 2017-03-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My complaint is with XXXX, XXXX, Equifax. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have tried submitting various complaints to TransUnion,  XXXX , and   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted one dispute to TransUnion o n      XXXX   XXXX , 2017     and on      XXXX   XXXX  , 2017 I was notified the " investigation '' was completed. They are required under FCR  A  regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

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 2017-02-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Some indvidual walked in to an HSBC branch, deposited a fake check into my account, then withdrew that amount in cash, using a fake ID, they then went to another branch and did the exact same thing. They managed to steal XXXX from my savings account, cause once the checks bounced they took them off my savings. I contacted the bank, and they said they will investigate this has been going on Since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Servicer / XXXX XXXX XXXX XXXX : Denied not enough income 130 % Debt to Income -- For three Months my application has been in and Countless Times re-sending- They wanted me to Break my self employed income away from my Long Term Rental income- LESS {$2800.00} in income -- so the Over All Income would not work - that is 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 2016-05-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Husband and I have she 'll point mortgage as our lender ... we were switched over from XXXX XXXX..they have XXXX our loan so many times and stated we were behind on our loan ... you can never talk to a live person you leave a message and they will call you back within 48 hrs ... ... so un professionally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: WELLS FARGO & COMPANY
State: NV
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 filed for bankruptcy in XX/XX/XXXX. My home mortgage prior to the filing was serviced with America 's Servicing Company ( a subsidiary of Wells Fargo ). Shortly after I filed bankruptcy, America 's Servicing Company sold my mortgage to Wells Fargo. On XX/XX/XXXX A Notice of Electronic Filing of my reaffirmation agreement with Wells Fargo ( my home mortgage ) was filed through the bankruptcy court. My bankruptcy was discharged in XX/XX/XXXX. Shortly after the discharge, Wells Fargo submitted paperwork to me explaining the transferring of the account. Since Wells Fargo acquired my home loan, no payment history has been reported to ANY of the three credit bureaus. According to a letter from Wells Fargo, my home loan is being treated as reaffirmed and my payment history is being submitted to all three credit bureaus. This is not the case. In XX/XX/XXXX, I disputed my XXXX credit report. Wells Fargo updated the account. XXXX  attached a statement stating the MY statement to include Account Closed by Consumers request. This is an inaccurate statement and I have once again disputed this information and uploaded supporting documents to my XXXX  account. I have included my payment history that I requested from Wells Fargo establishing that my account is current and has never been late. I am unsure as to WHOM owns my mortgage and to WHOM I am actually making payments to if XXXX  is claiming my home mortgage is discharged through Bankruptcy. I had three other loans I reaffirmed, all three are being reported to the credit bureaus correctly. I am only having issues with my Wells Fargo account.

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 2017-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit card
Issue: Late fee

Complaint:
In XX/XX/XXXX ( I 'm not sure of the exact date ) I received a letter from Citizens Bank saying I owed {$11.00} on a credit card I had canceled approximately a month earlier. I was told Citizens accepts charges on a canceled credit card for 30 days after cancellation. On XX/XX/XXXX I paid the charges ( facilitated by the bank branch manager who also said she overnighted it to the CC office. ) In XX/XX/XXXX I received a bill for {$1.00} with payment due on XX/XX/XXXX. I inquired ( with the same bank branch manager ) about the charge and she could not give me a satisfactory answer. She called Citizens CC number, spoke to a person who said I needed to pay the penalty. The reason : the {$11.00} payment was received on XX/XX/XXXX therefore incurring a charge of {$1.00}. Yet the bank check for {$11.00} was dated XX/XX/XXXX and I was told it was sent by overnight mail to the CC address. The Citizens branch manager handled all the details including calling the CC center to ensure that her actions addressed the issues both in XX/XX/XXXX and in XX/XX/XXXX. Questions were not answered : why the {$1.00} charge on a payment facilitated by a Citizens representative based on instructions from the Citizens CC person, why did I not receive any communication from Citizens until XX/XX/XXXX ( they said they sent monthly bills to my old address yet these said bills were never forwarded by the post office nor did the new homeowner bring us the bills - friends bought our house and they periodically hand deliver mail meant for us ). Also troubling, the branch manager at one point responded to the CC person, " I know we 're on the same team. '' I am troubled by a charge appearing almost 7 months after the CC was canceled and 6 months after I paid the remaining balance on the card per the exact instructions and facilitation by 7 the branch manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-04
Company: Global Credit & Collection Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have asked this company to contact me on my personal cell phone after XXXX, twice. I can not take personal calls at work. I have spoken to a woman and a man & have stated this to XXXX them. I have received a phone call from this number everyday with an automated voice mail. The company is global credit and collections corporations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Chase Finance has reported to the credit bureau that I 'm delinquent on car payments for a XX/XX/XXXX XXXX XXXX which I did not purchase. I called them to remove my name and to stop posting that I 'm not making payments on a car I DID NOT PURCHASE. I purchased a XX/XX/XXXX XXXX XXXX XXXX which I 'm current on all payments.

Company response to consumer: Closed with explanation