BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Signed documents, put money in escrow to payoff Bank of America HELOC XX/XX/XXXX Bank of America HELOC was overpaid on the balance XXXX Bank of America closed the HELOC account by " paying '' {$1000.00} out XXXX Bank of America HELOC Payoff Dept wrote refund check # XXXX XX/XX/XXXX ( Wed ) Customer called Sierra at BofA XXXX Phone XXXX ). She confirmed the above check was written 14 days previously. 
XX/XX/XXXX ( Wed ) @ XXXX XXXX, after a 49 minute " hold '', XXXX transferred me to XXXX in the Payoff Dept. XXXX @ XXXX XXXX  said she is putting a " stop payment '' on the above check. She will make a direct deposit to my checking account for the {$100000.00} within 48 to 72 hours. 
XX/XX/XXXX ( Tue ) XXXX called BofA HELOC ( same phone # ) and spoke to XXXX, after " holding '' for approx 15 minutes. She claimed she could not help me, but would transfer me. I had an appointment and had to leave, but told XXXX to contact whoever and have the money deposited in my account XX/XX/XXXX ( Wed ) @ XXXX XXXX  ( MST ), I called XXXX at BofA HELOC Payoff Dept. She said a group of XXXX payoff checks were delayed and mailed XX/XX/XXXX ( Mon ), including mine. She does not " see '' a STOP PAYMENT. I requested her supervisor. 
XX/XX/XXXX ( Wed ) I spoke to XXXX XXXX XXXX, the supervisor. XXXX XXXX confirmed a STOP PAYMENT was processed XX/XX/XXXX ( not XX/XX/XXXX ). System will not allow payment for another 48 hours. I want money immediately. I requested her supervisor. She said it will be 24 to 48 hours for response! 

I am a 27 year customer with multiple accounts with Bank of America! If I can't receive reasonable payment, who can??? Either BofA is irresponsible to the max ... or they have a severe cash flow problem and are holding customer cash unduly long to avoid official defaults. 

Please help me ( and others ) get our overpayment refunds in a timely manner! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Email : : XXXX Cell : ( 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
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Send 3 letters to XXXX, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18

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 2018-04-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from Midland Credit Management on XX/XX/2018 with payoff options on {$1200.00}. I don't owe anyone any money. I called the number provided. XXXX and told them that. They asked for the account number and then to verify my name and address, I noted that the name was spelled incorrectly. Then they asked for the last 4 of my SSN and I refused. They said they would take my address off their list but somehow I don't believe it. Seems awfully fishy!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to contact American Express directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. American Express said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to AMEX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from XXXX XXXX , XXXX saying I owe {$44000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Hunt & Henriques
State: CA
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:
Never received 1st collection notice and or any phone call regarding the collection of the debt. Did receive a letter to threats of lawsuit only. Send fax requesting contact by phone but never got any calls. Requested original application showing my signature that I signed the application and was refused to be provided it. Asked for ITEMIZED STATEMENT, sent incomplete documents after two request. After my fax request was not honored by, HUNT & HENRIQUES ; called to get the information requested and was DENIED. Tired to offer a settlement was told by XXXX XXXX, " NO SETTLEMENT WE ARE GOING TO PROCESS A LAWSUIT. '' She then just hung up on me. Very unprofessional if trying to collect a debt and furthermore not sure if they even stated the mini-miranda when I called there offices. 

Hunt & Henriques XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I received my annual free credit report from XXXX XXXX, XXXX, and Experian credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a washer and dryer from XXXX XXXX XXXX which were delivered on XX/XX/XXXX. While doing so the seller referred me to Acima Credit for a " Lease '' which would be 90 days same as cash. The dryer had some unsafe modifications done by the seller by attempting to convert a newer model XXXX XXXX XXXX dryer to natural gas. Basically, the dryer never worked. Under the agreement I have with Acima, they were to repair the equipment if at any time during the agreement it was not working. I contacted Acima Credit continually since the dryer was delivered and finally on XX/XX/XXXX I requested that Acima repair the dryer under the terms of the agreement. I advised them that do to the unsafe modification made by the seller, I would not allow the seller to be the company sent to repair the dryer. Acima explained that they didn't have anyone else to repair the dryer. Instead, Acima offered a settlement for a reduced amount equal to six payments of {$110.00}. 

I have made every payment on-time. In fact, I made 1 payment earlier than scheduled to put myself ahead of schedule. The settlement agreement was initiated by Acima due to their inability to perform their obligations under the lease agreement.

Acima sent me an email with a payment schedule, but they have never provided me with a copy of the " Settlement Agreement ''. I asked specifically if this settlement would impact my credit and the representative advised me to contact the Credit Bureaus. 
That doesn't make any sense. They have an obligation under the Fair Credit Reporting Act to advise me if this agreement would negatively impact my credit. 

Acima has falsely reported me as making 1 late payment in XXXX to the credit bureaus as well as the account being closed and settled for an amount which is less than what I owed, which is being viewed by the credit bureaus as negative reporting against me. 

I sent Acima a letter on XX/XX/XXXX and attempted to contact them through their chat feature today XX/XX/XXXX. I was advised that their resolutions dept. only accepts phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was intentionally misled in regards to being signed up for the Public Service Loan Forgiveness program with Navient. 

When I first heard of the Forgiveness Program in XX/XX/XXXX, I was very excited about it and being already connected to Navient, I called them to inquire about the program. The person I spoke with told me about the 10 years, 120 payments, and program and led me to believe that I can sign up with them that day which I did. 

I also called Navient approximately one year ago because of a bank issue with my automatic withdrawl, and I was afraid I was kicked off the Loan Forgiveness Program. The person I spoke with told me that I was fine, not to worry, and I was still on the program. 

I just recently started my own Non-profit and a friend thought I could get extra loan forgiveness benefits, so I called Navient XX/XX/XXXX ; to ask about it, and the person on the other end was once being evasive and talking about loan consolidation program I would be eligible for ... and I point blank asked her, " I AM ON THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM '' with Navient? '' She sharply said, You need to call ( gave me the phone number ) for PSLF and hung up! 

I called customer service to talk to a Supervisor who was " apoplectic '' and wants me to sign up for the 20-25 year forgiveness program ; and I had to submit information about my claim to get credit for the time I thought I was on PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX approved of a mod modiciation but sold my loan to XXXX XXXX before the first payment of my trial period. A key debt forgiveness provision in the XXXX trial letter was unethically excluded from the final loan modification agreement, drafted by XXXX involving an incentive for over {$330000.00} in debt forgivement over the first three years of the payment period. Under XXXX XXXX, I was also approved for a Keep Your Home California ( KYHC ) debt forgiveness pay out of {$100000.00}. XXXX XXXX initially verified receipt of {$100000.00}, and in mortgage statements showed that a portion of the {$100000.00} was appled to future mortgage payments. XXXX then told me that the {$100000.00} was returned to XXXX, such that payments were instantly in arrears. XXXX XXXX also intercepted a mortgage paymentinvolving three ( 3 ) money orders earmarked for a mortgage payment, forged all 3 money orders,  and used them for the personal use of a nationstar employee and/or its associates and never gave me credit for that specific payment. I filed a police report with the Sheriff of XXXX XXXX County, in Califfornia where I reside and the case was transfered to XXXX Texas, where XXXX  headqquateres is located. XXXX XXXX sold my loan to Selene Finance who says the {$100000.00} KYHC funds were transfered to them but have denied my request for a loan mod. The XXXX XXXX told be there was NO {$100000.00} funds from KYHC but agreed to obtain a loan mod on my behalf, but have been 'stringing me along ' for over 6 months now, claiming my file is escalated, with a forclosure sell date pending of XX/X/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I originally had my purse stolen in XX/XX/XXXX ( I have the police report - Please advise if I need to provide a copy of ). My ATM as well as my Credit Card with US Bank was stolen. I called and asked to have my secured card cancelled. I paid the account in full shortly after this and did not use the card again. I asked them not to send me a new card. There was no balance and they were not sending me another card. I did not think about the account again In XX/XX/XXXX, I discovered that I'd been reported as past due for the secured card as well as there were late fees that had been added to a XXXX balance account. When I called to speak with the Collections Department, they waived all of the late fees and informed me that there was a small balance that was left on the account from XX/XX/XXXX that I had not paid. Being that I had not been notified of this additional balance, nor was I being notified that there were late fees accruing on the account, US Bank agreed to waive all of the fees and allowed me to pay the remaining balance in full. 

I was assured that an update would be submitted for the incorrect negative reporting of my account, the balance would be updated to zero. They confirmed for me that the account was now closed and could not be reopened. I was also advised that I would receive my security deposit back within XXXX weeks. 

Now I reached out them in XX/XX/XXXX. The original representative advised that my Security Deposit had been transferred over to another account that I have with them. Then after further review the came back to advise that he did not see another account for me. After being placed on hold for over XXXX minutes, I was transferred over to a XXXX XXXX who advises that my account is not closed that it is permanently restricted. She is not advising me that I now need to write in to ask them to refund my funds and to wait XXXX weeks for my money back. 

I feel as though US Bank has lied to me regarding my funds. I have done what has been asked of me. They closed my account in error, reported me as past due in error and they are refusing to refund my security deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report shows a payment deferred status with on my XXXX XXXX account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems is reporting a medical collection that is not mine. We called them and they have no record of my name or address in there system, yet they are reporting to XXXX and XXXX the fact I owe this collection. The account number on my report is XXXX. This is preventing us from purchasing a home and we need to have them remove this item from our credit report. They have admitted they do not have us in the system, yet refuse to take ownership and have it removed.

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 2017-08-04
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. On the XX/XX/XXXX mortgage, they attached an " other fees '' quantity of about {$15.00} to the charge. I called and they told me that they were charging me for a " property inspection '' that they had to undertake as part of their purchase. When I protested, they told me that I had signed original paperwork allowing for the unlimited sale of the loan. I responded that I had not signed anything accepting costs incurred by the company purchasing the loan during the course of their purchase. They then removed the charge but told me I was no longer eligible for any further " charge forgiveness '' associated with this account. The small amount of money relative to the loan, and the lack of any notice to me that they were doing the " inspection, '' as well as the opaque labeling of the charge on my statement as " other fees '' clearly identifies this as a common theft of money from home owners technique by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been asking my mortgage company for help for 3 years starting in XXXX. My husband was diagnosed with XXXX. The 1st offer that they sent me was in the XXXX week of XX/XX/XXXX. They wanted the offer to start in XXXX but did not give me the paperwork in time period I signed it with the stipulation that they were gon na take money from funds they were holding due to a loss on our home. The next thing I received from them was information that I did not take their offer. I was transferred from 3 different people during this process I reached out to another government agency for some help because I'd already had a signed agreement. They had a for closure date set for XXXX. They postpone math while working on another offer for me both of these offers were {$500.00} more than my mortgage payment. Which didn't really help me but I was willing to sign or do anything to get back on track. The next thing I got from my mortgage company was a letter introducing me to another guy who is going to be handling my case and that was the XXXX week of XX/XX/XXXX Then I get a knock on my door on the XX/XX/XXXX stating that they had foreclosed on my home I have been fighting them asking them to resend it asking them to let me make it up asking me to get a new loan I really need some help here A fair resolution would be for them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive spoken to transunion customer service several times about these inquiries and collections their under multiple spellings of my name different social securitiy numbers and birthdates even sent in a paper showing Im a victim of identity fraud and they wont take care of the negative inquiries and collections reporting on my report Inquiries *coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *leasing XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX XXXX XXXX desk XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX in the XXXX XXXX XXXX $ XXXX XXXX collections and XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XXXX $ XX/XX/XXXX *credit collection XXXX XXXX XXXX $ XX/XX/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