BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called today because i received phone call from Loancare and i call back, they informed me my loan payment is up today but i have Loan Modification which it incomplete, then the agent i spoke transfer me to another one who handle Loan modification, i spoke to her and she asking me to wait for her to overview the account, then she hand me up, and never call me back. Very unprofessional.

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 2019-09-01
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Prior to filing bankruptcy, I closed by XXXX account and paid off the balance. However, Comenity Bank has reported to the credit bureaus that the account was part of the bankruptcy. It was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: PNC Bank N.A.
State: NY
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:
I used the PNC Mobile APP XXXX to Transfer money to an individual to purchase Football Tickets for the XXXX XXXX vs XXXX XXXX XXXX on XX/XX/XXXX. I sent the buyer {$200.00} to his XXXX email address out of my checking Account and the seller never sent me the tickets and disappeared leaving me out {$200.00}. I immediately called both XXXX and PNC both of which who said there was nothing they could do as XXXX did not offer any buyer protection and it should only be used with friends and family. PNC took my dispute but spent less than 1 day researching anything and sent me a denial letter of my dispute. I was fraudulently scammed out of {$200.00} and my bank is doing nothing to help me retrieve my funds. They said i authorized the transaction therefore its my fault. This is no different than using XXXX or XXXX  and authorizing a transfer of funds why is XXXX any different? I feel I am wrongfully being cheated out of {$200.00} by both my bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX and I'm looking for some help as I'm in need of help due from XXXX in XX/XX/XXXX and then again in XX/XX/XXXX. Having XXXX twice I was put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX doctor telling me that XXXX made my XXXX XXXX worse and that I could not longer work due to my XXXX XXXX being unstable and thats why I keep falling. However I had file for ssi and had to do an appeal on XX/XX/XXXX. I have also apply for unemployment for loosing my job in XX/XX/XXXX as my XXXX XXXX XXXXXXXX messed me over. I also applied for XXXX to get help from the state. As we all know theses are a long term of approval and I haven't heard back from anything. I worked at XXXX XXXX which is a decent job, but with the issues I'm facing I'm at risk of loosing my car that I can't make a payment on. If I loose my car I won't be able to get my kids to school. Also I have struggles paying for my water. I had gotten this reference from my housing ppl that I live in their housing. If you could help me in this matter that would be great or have any other references that would be awesome. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi my name is XXXX XXXX XXXX I bank with Chase bank and I been XXXX   by this bank a few years ago while I was XXXX  XXXX I have since XX/XX/19 had a miracle and one XXXX  is almost at a XX/XX/XXXX thanks to the most high and Dr. XXXX XXXX. I had made some check deposits in the past and on XXXX XX/XX/2019 I noticed I was charged all sorts of fees on 11 checks they claim I deposited on XX/XX/19 and they all bounced. As i mention in the last year i did deposit those checks and they would have been the only ones with control and copies. Now .y account ending in XXXX is totally XXXX  up and they refuse to refund my money they returned 3 {$12.00} charges but I still have half of dozen {$12.00} & {$30.00} charges they refuse to take care of Today XX/XX/2019 instead of  celebrating my other halfs birthday I am stuck on the phone with department after department and as I mentioned before I went down this same road before and Chase ultimately just ignored me last time and kept all those fees it is a common practice by them and I am asking for you the proper governing agency to apply the law and investigate I have other XXXX people who bank with this bank and have had similar issues Please help and thank you in advance and I see {$240.00} missing from my linked checking account as a withdraw that I never made so now I am extremely concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX, and my loan number is XXXX. Me & my mother have been customers of you guys since XX/XX/XXXX. & honestly there is nothing that we would change. Last year due to the Covid-19 we both lost our jobs and we unfortunately missed a payment in XX/XX/XXXX. Which then led us to taking advantage of your forbearance program for the remainder of the year, and 6 months of XXXX. We are happy to say that we have finally caught up on all of our payments and we are no longer in forbearance. & we are nothing but grateful for the opportunity they gave us these last 18 months to get back on track.. As a long time customer, officially in good standing - I am sincerely and respectfully asking that this good will adjustment for the late payment can go into consideration. It has been a pleasure having you as our mortgagee. They stated there was nothing they could do. This seems unfair as to I have never missed a payment.

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 2018-08-30
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from professional claims bureau Inc. Claiming I owe them a debt the purchased from XXXX XXXX XXXX XXXX university XXXX XXXX date XXXX Now I want to be crystal clear I was never in that XXXX on that date is this some kind of scam let me know

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 2018-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card debt that was sold to the collection company " Portfolio Recovery ''. They reported the original debt to the credit reporting agencies, but they also created a duplicate account by changing the original account number by a couple of digits. This created a fraudulent duplicate account that falsely doubled my balance and has the credit bureau 's erroneously showing two collection accounts instead of one for the same debt which is harming my credit score much worse than the single valid account. I called Portfolio Recovery to inform them so they could correct the mistake. Not only did they refuse to correct the blatant fraud, they said that even if I paid the account that was valid, they would only report that the collection was paid, still refusing to delete the false account. Apparently they believe they're above the law and that they're free to commit any crime that they please. Pursuing litigation now. Hopefully the appropriate regulatory agency will help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has passed it's statue of limitations and should no longer be reporting on my credit report.

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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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/XXXX I went into a Bank of America Branch in XXXX, XXXX  and reported my card missing and had my card closed and was issued a temporary card. I started using my temporary card right away and didn't know my card that I was told was inactive/closed was still being used as well. While I was living in XXXX and have proof of me not being in the areas of my stolen card being used. The total amount was XXXX that I deserve to be credited as I went in and closed the card before any of these transactions had happened. They are telling me I might of given my card to someone but that makes zero sense since I went in and closed the card right away before any of the transactions even happened. I have plenty of bank statements anything that needs to be supported. If this doesn't get resolved now the next step will a lawsuit.

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 2018-08-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and XXXX is not following the law by not providing proper proof to consumers in which they wish to collect from.

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 2018-11-07
Company: CMRE Financial Services, 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:
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by CMRE XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.

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 2019-01-09
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax repeat the same inquiry in the same date, XXXX XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018 I received a notification through a 3rd party consumer reporting monitoring service a collection account in the amount of {$190.00} was opened on XX/XX/2018 by and through XXXX XXXX without any notification of this said date prior to damaging my credit file. My credit score was decreased 89 points  by this unknown creditor back dating an alleged debt 9 months

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 2018-08-30
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, I received a certified mail letter to stop " manufactured spend '' activity. 

On XX/XX/2018, I called to ask what specific activity in my account triggered this letter. I was told that for my account specifically, it was due to receiving transfers from other credit union members who exhibit signs of this type of activity on their accounts. They said as long as I stop receiving transfers from other FT ( First Tech ) members, I should be fine, as my account does not exhibit any other signs of prohibited activity. 

However, on XX/XX/2018, I was unable to sign in to my account. I called customer support, and they said my account had been closed for the reasons in that letter. They sent me a cashier 's check for the balance, but they kept {$5.00} in my savings account. I am unable to access my savings account and am unable to pull my transaction history. 

I believe my account was wrongly closed because I have not performed any prohibited activity. After the call on XX/XX/XXXX, I stopped receiving transfers from any other FT members. I have been slowly transferring my money from my checking account at XXXX XXXX to First Tech with the intention of making my First Tech account my primary account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX  XXXX accessed my credit file with EXPERIAN without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  (  C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2019-09-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A disputable move-out charge of {$950.00} has been placed on my credit file as an unpaid rent. My rent was never late, and I did not owe rent to XXXX XXXX XXXX. North Carolina Consumer office has determined that the move-out charges are disputable and resolution could be through mediation or small amount court settlement, but management of XXXX XXXX XXXX,  without any written notice to me, submitted my personal information to XXXX debt collectors, which filed the incorrect information on my credit. I disputed the information, and XXXX deleted the information from my file. Equifax however has refused to delete this disputable charges from my file. The derogatory information has caused my creditors XXXX XXXX  XXXX and XXXX XXXX creditors, to reduce my credit limit by 30 to 50 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I sold an item on XXXX on XX/XX/2019. Have sold over 4,000 items on there without issues. A buyer got an item, filed a dispute, and never returned the item. The item was exactly as described in the description. The item was a custom industrial printer worth {$1300.00}. I have proof of delivery of the item through XXXX. XXXX charged my XXXX account for the amount of the refund. I disputed with XXXX who reviewed the case and detail and sided in my favor. XXXX then charged the credit card I have on file for the payment of success fees with them for the full amount. I disputed with Capital One over multiple letters and months, but they refused to uphold my charge back rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have worked in XXXX XXXX ( at a XXXX XXXX in XXXX XXXX ) for a decade. I have made 10 years of payments on time to Iowa Student Loan ( now called XXXX ). PSLF will not forgive the rest of my student loans even though I have met all of the requrirements of the Public Student Loan Forgiveness act. FedLoan servicing claims that none of my 10 years of on time payments count because I was paying them to Iowa Student Loan and not FedLoan. I have met all the requirements of the act and still qualify for forgiveness but FedLoan claims to be the sole judge and jury and told me I need to start 10 years of payments over with them. I think this is FedLoan acting in Bad Faith and intentionally denying my claim for {$7000.00} of debt forgiveness while they continue to collect servicing fees from taxpayers while doing nothing except denying legal student loan borrower claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation