BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
A Stipulation Of Discontinuance was filled on XXXX XXXX, XXXX in XXXX  XXXX XXXX Civil Court after 3 years of litigation and the Plaintiff failed to convince the court that I was responsible for the credit card debt that I knew nothing about. The statue of limitation has far expired. 
The Plaintiff surprisingly started another court action in New Jersey and used many illegal methods to obtain judgement. 
Claiming that I made a XXXX payment in XXXX - never made any payment. 
That I failed to respond to their discovery - Never received it. The signature presented in court was not mine. 
The debt in question is over 10 years. 
The court denied my application for Reconsideration on XXXX XXXX, XXXX without considering the points raised above or allowed any hearing.

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 2023-12-26
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I submitted a principal only payment to go into effect XX/XX/XXXX. That applied and I received a notice of forbearance XX/XX/XXXX showing my updated loan balances. 

On XX/XX/XXXX, I received a new statement with different principal amounts. Part of my payment was redistributed across all of my loans leading to my highest interest loans having more principal and leading to larger interest accrual. 

I called on XX/XX/XXXX to inquire what happened and they did not know. After XXXX hours, the customer service person insisted the statement I received from MOHELA ( XXXX XXXX ) was incorrect. I insisted that the payment I made was reflected in the XXXX statement was intended to be correct. They did transfer to a representative to modify my payment amounts. 

They have no explanation as to why the payment was retroactively changed after sending me and updated balance post-payment and have not been able to verify my original payment- they dont seem to have a record of it accessible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified by Wells Fargo Bank on XXXX via mail that my credit card account had been closed due to returned payments. Payments bank account which I use to pay all other cards and bills was not able to make the payment ( due to a mistake on their end which they have admitted ). Nonetheless, I used another account to pay my balance in full. 

When I reached out to Wells Fargo, the rep admitted that it was a mistake on their end and mentioned that the problem would be escalated. I then received a letter that confirmed that payments were returned with no fault of my own however that my account would be closed.

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 2023-07-14
Company: AMERIS BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX XXXX seeks relief from Ameris Bank in hopes to rescind the seizure of assets under the guise of a Writ of Garnishment against XXXX XXXX XXXX ( XXXX XXXX XXXX, Florida, Case number XXXX ). 

The assets seized, yet to be dispersed, consist of a joint checking account at Ameris Bank under the names XXXX XXXX XXXX and XXXX XXXX XXXX ( Ameris Bank account XXXX ). 

We believe that Florida Statute Chapter 77 prohibits the seizure of joint account unless both parties are the defendant in said writ of garnishment. 

The writ of garnishment names defendant XXXX XXXX XXXX and XXXX XXXX XXXX alone. 

This account should be released immediately to limit further damage to XXXX XXXX XXXX, specifically a check to the Internal Revenue Service which is presently frozen in said account. 

Bank officials, specifically XXXX XXXX XXXX, Ameris Bank, XXXX, Corporate Counsel, defend the inclusion of XXXX XXXX XXXX 's inclusion in Ameris Bank 's response to the writ of garnishment. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I currently have a personal loan with Mariner Finance and have done business with them for several years now. On XX/XX/XXXX I went on the website to pay bill but my {$200.00} was declined due to it not being the full amount of {$230.00} something. I come in to work on XX/XX/XXXX after returning from the holidays to be confronted by my boss about the Mariner account I have. He informed me that a representative of the company had contacted my work office and told him that I had a loan and that I was going to be prosecuted if I didn't pay. They continued by telling him it would only take {$130.00} or around that amount to avoid this from happening. This has caused turmoil for me and friction in my workplace. They had NO right to contact my employment and give any information other than to have me contact them. Because of this, I may lose my job.

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 2023-07-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Well I received a line of credit in 2007. From that time until 3 years ago. I did not receive any mortgage statements. I don't want to loose my home.

I believed that when I modified my mortgage through one of the various save our home program by the Obama Administration, this line of credit was added to the modified loan and/or discharged. I modified the mortgage of my first loan and received favorable terms. My interest rate is now XXXX %. 
Upon being notified that I was in default, I attempted to notify the mortgage. The modification was approved provided I was able to pay over {$31000.00} to commence the modification process. The original loan amount was approximately {$67.00}. Now the balance is more than double. I am a father of 4 children. I can not afford to pay {$31000.00} in one lump sum.

Provided this lender is the proper party to file this foreclosure suit. I would like a more affordable repayment plan. I do not believe I owe this lender but, again, if they are the proper party and they have not already discharged this debt and/or collected insurance proceeds for the defaulted loan from their various lender policies. I am happy to enter into a loan modification.

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 2021-10-26
Company: EQUIFAX, INC.
State: GA
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:
Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach. These inaccurate items have been causing me to have problem obtaining credit from banks. I have asked the bureau to look into these items but nothing has been done. The next step would be for me to seek litigation. I have also provided evidence to show that I am a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2020, ,Continued Issues, ,Yes I received ( 2 ) One on XX/XX/XXXX, XXXX, The Second on XX/XX/2020,, Both Of The Letters Are Pretty Much Are Saying Same Thing, Among All The Other 15 to 20 Letters I Already Received And Still Haven't Did Anything At All, This So UnAcceptable,,!!! This Company Should Have Already Taken Care Of ( ALL ) My Issues, Instead Of Lying About This And Keep Sending Me The Same Letters With No New Information, ,So UnProfessional Business

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 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently received an 'error correction ' to my Bank of America credit card account. But it only corrected a small amount of errors I have encountered over the years ( inconsistent and excessive interest fees when no purchases were made, other fees aka 'junk fees ' being charged to my account ). I have not always, and most often not, received cash rewards consistent with my credit card agreement. I believe that alternative accounts were open in my name for a period of time as well due to strange calls and emails that would be consistent with this activity, so believe I am probably a victim of the misuse of my sensitive information. I am happy to have received some remuneration for all this, but it seems inadequate. The process that led to the amount I was credited is completely opaque. I am hoping for assistance in finding out how to identify what Bank of America genuinely owes me for all of these practices so that I can request it back. Apologies for the 'broad strokes ' message. I only just now became aware of the CFPB action against Bank of America and it gave me a little hope that I can come out of this fog and be fairly remunerated for unfair practices on the part of Bank of America. I hope this complaint is a concrete step in that direction. Thank you for your time in reviewing my message.

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 2019-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The Fifth Third Bank, in collaboration with the " XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, have been forwarding and or have distributed fraudulent info, in the data bases, of all national Banking Financial Institutions, in America, in an effort to stop or discontinue me from applying for a new account, savings, checking, or otherwise. The Fifth Third Bank, has alleged that I have several Overdrafts, on my checking account, at acct. no. : XXXX, aba routing no. : XXXX, and other fraudulent usages of the account. Each time I mmake another application at another bank to apply for a Checking, and or Savings Account, the banking representatives state to me that they can not open the account, for the reasons that I owe Fifth Third Bank, {$80.00} Dollars, for a past overdraft! This payment had been delivered to FTB 's Credit Collection Bureau, located in XXXX, Ohio, ( addr. N/A ), I've never had any more than ( 3 ) temporary checks, so there is no possibility that I had any checking acct. overdrafts, which is an excuse to stop me from creating another banking privilege. I insist that Fifth Third Bank, officially correct the fraudulent data info, relayed to the XXXX XXXX XXXX, ( that may be an informal credit bureau correcting agency ), so that I may continue to access new banking privileges, that the Fifth Third Bank, were so insistent on refusing! This is intentional infliction of emotional distress, and I insist that a " CEASE & DESIST ORDER '', be entered against Fifth Third Bank, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, This is a complaint against Wells Fargo and their credit Card Services. Wells Fargo illegally opened a credit card for me on XX/XX/XXXX and my identity was stolen erroneous charges were made to the card causing me financial hardship as a newly XXXX year old with a minimum wage job that was never able to recover from. I went into a branch and made them aware of the charges and they told me I had to pay them here was nothing they can do. This event caused me to sink into a financial debt i never recovered from until this card was charged off in XXXX. I submitted a fraud claim they never fully investigated at the time and now on XX/XX/XXXX they send me a letter saying that after further investigation that they were wrong and that I WAS a victim of identity theft reimbursing me the funds that were erroneously charged to my credit card years prior that put in SUCH a financial constraint I was never able to recover from and ultimately caused my credit card charge off in 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 2022-03-04
Company: CORELOGIC INC
State: OK
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:
The company Creditco shows a hard inquiry on my credit report. I have no idea who this is and why they are on my report. I need the hard inquiry removed because I have never had any dealings with this company before. 

Thank you, XXXX 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 explanation
Consumer complaint received 2022-03-04
Company: United Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no idea who the firm is and requested that they stop contacting me especially while at wok. This request was sent in a reply to the text messages they sent me. I have received numerous phone calls daily at work after this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian reporting an inquiry that does not belong to me I have a fraud alert on my account and was not contacted to confirm any such inquiry nor have i appllied for any new credit. 

XXXX XXXX XX/XX/2019 Also theres 2 addresses that do not belong to me XXXX XXXX XXXX  XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX and name XXXX 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 non-monetary relief
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: SC
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've been a victim of identity theft. My information was expose in both the Equifax breach in XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information with XXXX has been breached and they refuse to delete and block the impacted information. I've attached proof that my information was impacted. The impact of the XXXX data breach has effected my XXXX, XXXX, and Transunion credit reports. I also have included the impacted information. Please delete and block all of this information from my all of credit reports as I was a victim of this Data Breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2021 I sent a letter to Transunion asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from Transunion. XX/XX/2021 I sent a follow up message to Transunion asking them to delete the following accounts because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Transunion failed to do so and thus I am asking that they delete the following accounts since they are still being report inaccuratly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with Bank of America. My name is XXXX XXXX, and on XX/XX/XXXX, I contacted Bank of America at XXXX to address concerns related to a government check deposit of {$65000.00} made on XX/XX/XXXX. 

Summary of the Issue : On XX/XX/XXXX, I deposited a government check for {$65000.00} at Bank of America. The teller informed me that {$220.00} would be available within 24 hours, an additional {$1700.00} on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX which are referenced on the deposit receipt. However, upon calling on XX/XX/XXXX, I was told that the entire amount of {$65000.00} would be available on XX/XX/XXXX. 

Key Points : Duration of Call : 32 minutes at XXXX XXXX  XXXX refused to accept a court order as proof during the deposit. 
The Office of the Comptroller of the Currency stated that {$5500.00} should be made available on the deposit day. 
Federal clearinghouse causing the delay, with a hold period from 2 to 10 business days. 
Inability to override the hold by any bank personnel, including managers. 
At 54-minutes speak with a manager named XXXX. 
Mention of the check amount over {$5000.00} and increased chances of holding, citing Regulation CC. 
No release of deposit holds policy for an account held for eight years. 
Lack of a complaints department. 
Unanswered questions regarding the specific reasons for the hold and discrepancy in availability dates. 
Reference to the deposit agreement and the suggestion of an electronic deposit to avoid holds. 
No notification about changes to the deposit agreement received by mail, only online. 
Total Duration of Call : 84 minutes, with questions still unanswered. 

Contact with a manager named XXXX at the 84th minute. he put a request for his manager to call back at ( XXXX ) 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