BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been working to resolve misapplied through LoanCare 's Payment Research department for the past 5 months for our mortgage through XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I submitted copies of checks going back to XX/XX/XXXX as proof of timely payments, but I have been asked 3 times for supporting docs. Each representative I speak to states Payment Research will get back with me after reviewing, but I have yet to hear, or receive correspondence from this department. The customer service rep that I spoke with the first week of XXXX could see that payments started to be misapplied in XXXX, but to give the company until XXXX XXXX to review. When I spoke today with service rep, my payments are still misapplied and he was unable to see specific checks that have been through the bank. We have requested to speak with the fraud department as well and these requests have been ignored.

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 2023-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In approx. XXXX, I opened a Wells Fargo credit card with a credit limit of {$4500.00}. I paid my monthly payments every month on time and most months I paid more than the minimum amount due. 
In XXXX of XXXX, my area of XXXX Florida was affected by Hurricane Irma. Due to raising a small child, the cost of preparing for this hurricane was creating a financial burden. On XX/XX/XXXX, I received an email from Wells Fargo Hurricane Irma Support ( attached ) stating that I may qualify for payment relief for 90 days. I was hesitant but called and spoke with a representative. Because I was in the direct impacted area of Hurricane Irma, I qualified for the 90-day payment relief, waiving of late fees and a pause on interest. I was advised that my payments would resume in XXXX of XXXX. 
A few weeks later I started to receive calls and emails that my payments had been late ; at this time demanding interest and fees that I simply did not have. I explained the agreement and the Wells Fargo representative would not talk until I made a payment. In XXXX of XXXX, Wells Fargo was demanding over {$1500.00} from me, just to even speak with a representative. In XXXX of XXXX, Wells Fargo closed out my credit card. 
In XXXX of XXXX, I started to receive advertisements in the mail for attorney representation. I went to the XXXX XXXX XXXX XXXX XXXX XXXX website and seen that on XX/XX/XXXX, Wells Fargo filed a civil complaint against me for non-payment of the credit card. I immediately reached out to the attorney that was representing Wells Fargo ( email attached. ) My email to this attorney went unanswered. I then began to consult with attorneys and reached out to Help Me Howard for assistance. Unfortunately, I was not able to financially hire an attorney.

Please see emails and civil complaint attached. The civil complaint will show that in XXXX of XXXX, Wells Fargo was stating my minimum payment due was over {$1500.00} and included interest and late fees. 
Had I had known Wells Fargo would not have lived up to their agreement on Hurricane Irma Support, I would have not accepted this support and would have continued to make the minimum payments as I had been doing. Wells Fargo set me up to fail, did not abide by their agreement, charging me erroneous fees and undue hardship to my credit file.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: EGL US, LLC
State: TX
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 sent a certified letter to BMG Money that included, a police report, a identity theft affidavit and identification documents to verify my identity. BMG money has reported an account to my credit report that is a result of Identity theft. This report is affecting my credit, which has took me some years to restore due to someone using my identification. I'm still baffled as to how this account was opened. I don't show any inquiries on my report reflecting this company, and if they would have actually done a credit check, they would have seen that my report is frozen due to this. My report also clearly states to contact me at a specific number which is listed on my report prior to issuing any goods or services. Someone from BMG sent me an email stating the the money was deposited into a bank acct which bares my name on it. I then proceeded to send over the police report to show this company that someone also had an acct at two different banks in my name, which I found out about last year and filed a report and the banks have since then closed those accts which were created online. BMG has not responded, they have not produced any forms or applications which bare my signature. I don't even know what employment was used to verify my information with this company. This account is clearly fraudulent and this company which should be ashamed for tarnishing my credit is clearly violating my rights. I did not make or authorize any new accounts. Another clear red flag, is I researched this company and it said it provides loan for federal employees. I work for a XXXX XXXX XXXX I am not a federal employee. So I know without a doubt they didn't verify the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I made full payment with a convenience check in the amount of {$3900.00} to my credit card ( Acct # XXXX ) held by Comenity Bank. On XX/XX/2023XXXX XXXX XXXX XXXXXXXX on behalf of Comenity Bank cashed the check ( see attached copies ). As of XX/XX/2023 the funds have not been credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NOTICE OF DISPUTE! 
I had a credit card account with XXXX XXXX  which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that LVNV IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't XXXX XXXX  have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {$9.00} XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like XXXX Bank did with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
What happened was I had account with bank of America for more than 20 years, never was offered any products from them, was denied credit cards personal and car loans, others people that i knew haven't been a citizen in US and some were not citizens have gotten credit card personal loan, it must of been minority community, the zip codes, My salty was more than XXXX XXXX back then, now it's around XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX the Same, it's shameful

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 2023-09-12
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This account has just recently shown up on my credit report. They have the wrong address, and I had to call to find out what this account was. I want it off my credit report as they have said they are lawyers when they call. Also came to find out the account is a Medical account which I know they are supposed to show on the credit report and know where does this show to be a medical account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX my Mother passed away suddenly. She and I had been living in a house which was in her name since XXXX. She left me this house in her Will, which I immediately had to get an attorney to go to probate court to get the house put in my name. This did n't fully happen until XXXX of XXXX. I paid the house note by myself up until XXXX of XXXX. I tried to catch it up in XXXX of XXXX, but my payments were returned to me by Nationstar Bank. ( XXXX XXXX XXXX sold my loan to Nationstar in XXXX of XXXX, and they said I was missing a payment then, but I told them I made the payment, they just lost it. ) They hounded me and hounded me from XXXX XXXX until XXXX XXXX. This is when they sent me a letter stating they were going to foreclose on me if I did n't come up with like {$18000.00} for two months notes and fees, etc. There was no way I could do this. I tried several avenues to try to get the house refinanced and all of them fell through. My credit was n't good enough. I filed bankruptcy Chapter XXXX in XXXX hoping this would help me be able to get back on track with my mortgage payments, but Nationstar refused to work with me. I began getting threatening letters from them stating they had attorney 's who would be foreclosing on me. Finally in XXXX of XXXX I got a letter from them stating they would be putting the sale of my house in the paper three days in XXXX. I panicked and found an attorney who would help me put a stop to this. So he filed Chapter XXXX which put a stop to the sale of the house the day before. However, the house then went to the hands of the Trustee 's office for me to begin making payments to them for the house, my car and arrearages on the house. This is totalling {$1900.00} per month just to keep my house and my car. I only bring home {$2600.00}. I do n't know what to do anymore. If I cancel the bankruptcy then I lose the house and car, if I continue on with these payments ( which they are garnishing my check for ) I wo n't ever have any money for other things. I 'm between a rock and a hard place. I do n't which way to turn. 
Please someone help me. Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Collection Bureau Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The hospital never provided the bill showing XXXX or XXXX was billed properly. They were asked multiple times for this confirmation and I was never provided with the bill or my co-payment amount.

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 2018-08-19
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX  is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, XXXX, Equifax, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ my Wells Fargo debit card was lost to me and used at multiple locations without my permission. The charges were varied and mostly consisted of ATM withdrawals in various amounts from {$1200.00}, {$420.00}, and {$260.00}. My phone was also stolen for a period of time and someone was able to use my bank to commit further fraudulent transactions through XXXX XXXX totaling {$1700.00}. I contacted my bank immediately after I became aware of the situation and promptly filed disputes and shut down that card. As of XX/XX/ I was told that my claim was denied due to Wells Fargo concluding the transactions were valid.

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 2015-05-07
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Aurora Loan Services has ruined my life. I have never been able to recover financially after they foreclosed on my property. Like many Americans, I lost my job in XX/XX/XXXX and had no income coming in. I tried working out many options with Aurora Loans. However their reps told me that I would never qualify for any of their programs because I had no job. They advised that I enroll in their forbearance program in order to give me time to get a job and keep my house. I was unaware that the money I was going to pay was not being applied to my interest only mortgage. One a representative told me that they were holding my money I backed out of the account. They were setting me up for foreclosure and not applying any of my money. They began charging a Preservation Fee and various other bogus fees were added. They called me non stop. One representative told me that if I was in Bankruptcy that they could n't foreclose. So I lowed their advise, I filed Bankruptcy just to prevent a foreclosure. As soon as the BK was discharged they demanded money and began foreclosure. They would never tell me where money was applied or how it was held. I filed a complaint with the XXXX in XX/XX/XXXX because I did n't know what to do. That did n't help. I plan to provide documentation to show their unfair collection practices and how they did not apply my money when it was sent in. I have XXXX different Account History printouts from the with the same dates and they do not match. Aurora Loan Services set me up and took my all money. Once I paid them their demands, all money was applied to interest. I will provide a copy of the check I sent and you will see that it does n't even show on my account history. I want some justice. I have been done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One has essentially locked me out of my money. I keep my debit card locked to prevent fraud and they have a defect where if they renew your card while its locked, it remains locked until your new one arrives which is typically 7-10 business days. Capital One manager confirmed that this is a long standing known issue that higher ups have been ignoring. So I dont have access to my debit card. They said I could use XXXX to transfer between my XXXX and XXXX account. I attempt the XXXX and they block my account for suspicious activity because I havent used XXXX in over 30 days ( never. Ive never used XXXX ). XXXX claimed that XXXX is saying they blocked it because I recently changed my password, which I didnt. I try to do a transfer and they want to verify deposit amounts. Which takes 1-3 business days. There is most likely another known issue where it asks that youre verify accounts because an account already in the system has fresh micro deposits sent for verification today ( XXXX ). Wire transfers cost money and they wont refund until after its posted. I cant pull from XXXX XXXX or XXXX XXXXXXXX. XXXX says 3-5 days. Im starving cause I havent eaten today and want to go run errands and eat lunch. Been working since 7. I have my discover account but keep most of my money at XXXX. Im afraid to even spend anything cause I legit dont know when Ill get my money back. Ive already opened a different account ( which they wont let me transfer from because apparently XXXX is saying the personal info doesnt match ( it does ). Managers have been super condescending and hung up in my face. Managers say they are filing complaints and never ask questions about the issues. You have to request any type of follow up. The managers are incredibly nice nasty.

Company response to consumer: Closed with explanation