BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get the loan modification paperwork to my lender but they continue to delay my review. On XX/XX/XXXX I made a 3 way phone call with my counselor XXXX XXXX to answer 3 questions that they had. They were if i could resume making payments, if I could afford my currently monthly payment and if I was living at my residence. After calling them today for an update they are advising they misplaced the information. How can you misplace a recorded phone call. 


I am just trying to save my home and I need help not another excuse or provide information that their representatives failed to file correctly!

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 2017-12-09
Company: Experian Information Solutions 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:
My Experian credit report STILL shows I have lived in Oklahoma. I HAVE NEVER IN MY LIFE LIVED IN OKLAHOMA!! The closest I have ever lived in Oklahoma is XXXX XXXX which is exactly 354.1 miles from there. I have not nor will ever live Oklahoma.

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 2017-08-07
Company: DISCOVER BANK
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a Discover credit card customer for several months. I am currently serving in the XXXX and am stationed in XXXX. Recently there have been many fraudulent charges on my credit card that have raised concern. I have notified Discover several times of the transactions and they have filed disputes on my behalf. While in XXXX, they sent out a new card to the address on file, that I do not live anymore, and has created a problem because somehow there become more fraudulent transactions. As a service member and as an american overseas, I do not have the luxury of being able to call Discover and be on hold for a long time or explain the situation to them completely because my carrier will charge me dollars per minute. One day in XXXX I had enough when I logged into my account and saw it was over the limit and I called not caring about the phone charge. I notified them that i was not in america and they should freeze my account. They then stated that my account is on hold and they would need to call my cellular phone to verify it was me first. Discover has allowed my account to be fraudulently used over and over again even though I have followed the FCRA rules to report on time and have done my best. Discover has now closed my account and has stated that it is due to fraud they feel that I present a risk to do business with, just because I am a service member in the XXXX  serving overseas. My current balance is an outstanding {$4900.00} which is extremely ridiculous because my credit card with them is a simple {$300.00} secured credit card, meaning my balance should never go beyond the {$300.00} that i deposited in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed the account on XX/XX/2018, but since that time till today, they haven't sent me any final bill to paid and keep charging me late fees and interested, even the account and closed. I did paid the amount in full.

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 2019-02-28
Company: Bread Financial Holdings, 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 status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
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:
On XX/XX/XXXX I had {$210.00} left in my account over the weekend. On XX/XX/XXXX I had a ( - {$120.00} ) the bank said because they don't process payments on weekends that's something I should if been told opening an account, so I'm confused because I was told every transaction that was made over the weekend did not come out of my account until yesterday how is that possible when funds were deducted from my account every time I made a purchased so how did it not processed when my funds are low she said I had {$330.00} to start off so how did I get down to {$210.00} if they where not processed til yesterday now I get hit with a {$35.00} overdraft today XX/XX/XXXX this bank has been scamming people for a while I just opened this account XX/XX/XXXX and now I'm going through this.

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 2018-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Re : Bank of America Home Loans for the account of XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone XXXX BOA Account # XXXX For the last 3 months I have been working with Bank of America ( BOA ) to facilitate a Short sale on the property as referenced herein. They are a Jr. Lien and they are way upside down. The first mortgage is at least 200K over the property value. Therefore BOA as a second Jr. Lien they have no equity. 
In Bankruptcy court BOA would be considered an Unsecured creditor. My client has made numerous offers to pay as much as 5K to settle the Matter. In most cases like this BOA has just issued a satisfaction and just extinguish the money due knowing that if they went to Serifs sale or Bankruptcy they  would get XXXX. 
The problem is however that Bank of America did not process the submission as a short sale but as a loan Modification. It was not until XX/XX/XXXX that they recognized their mistake and sent me a letter to that effect and acknowledge and forwarded the short sale request to a specialist and promised an answer in 2 to 3 business days. ( See attached letter from BOA dated XX/XX/XXXX to confirm that fact. ) Since then I as well as my clients have heard nothing. On XX/XX/XXXX I made a phone call to BOA  Customer service. They told me that their was no short sale application pending or initiated However the loan modification application that we never submitted for had a missing document request and is still pending. The house is vacant and based on BOA underwriting that is the Number 1 reason to not do a loan modification and to do a Short Sale. Please help me in this matter to stop Bank of America from acting in bad faith and or to fine and sanction them or both for acting in bad faith and refusing to offer my client any kind of foreclosure alternative as a Short Sale. Thank you

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 2018-06-23
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: Account information incorrect

Complaint:
XXXX 's XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 12 or more inquiries with capital one bank. Ive reach out to capital one to resolve this matterbut I was told to contact XXXX, XXXX and XXXX to remove these inquiries that Im not aware of but all 3 credit bureaus told their not they can do XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter 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 2020-08-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Initially my home care card credit limit was dramatically reduced causing my score to plumint approx. 28 points. I made a huge payment to the balance owed making the card usage around 33 %. When they reduced the limit it took the card to over 90 % usage which dropped my score. 

I received an alert on my credit this week that they have decided to close the above mentioned care swell as my car care credit card making my credit drop another 36 points. In total my credit has suffered over a 60 point drop at the hands of this creditor. How is anyone supposed to improve themselves and their financial standing if the creditors are aloud to make changes that negatively impact scores. Especially since I have not missed a payment with this creditor or any creditor to warrant such actions.

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 2017-12-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX has the worst customer service and would not help me resolve my issues with them. 

They are currently asking me to pay $ XXXXmonth towards my student loans which I can not afford. I tried speaking with them about other options in XXXX XXXX. They suggested the income-base program and also mentioned the public service loan forgiveness program as well to drop down the interest and make 120 monthly payment and the rest it would be forgiven. 

I faxed in the necessary paperwork to them to apply for the programs. A month later ( XXXXXXXX XXXX ) the update was that I can pay a certain amount first to get caught up to not be past due and then start the programs they had to offer. I told them I could n't afford to pay the amount they were asking for because of the situation I was in. They told me that they could n't help me with lowering that payment. 

Months past and still no update if they could work with me. Then finally Hurricane Harvey hits my home and I lost everything. I called them to see if they could do anything and the only thing they could do was not charge a monthly payment on my account. I asked them did they have a solution about lowering the monthly payments and the rep said that they would call me and let me know what the supervisor can do. 

I have yet heard from the XXXX and they are destroying my credit. I am trying to get back on my feet due to Hurricane Harvey destroying my home and personal belongings.

The Hurricane took away my belongings and home and XXXX is hurting my credit to get approved on replacing damaged clothes, house, furniture, so now Im stuck and do n't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There were two transactions processed for a bill normally charged ACH monthly that were not supposed to come out for {$43.00} and {$50.00}, overdrawing my account. Upon checking with the bank, overdraft protection was enabled and pulled out four transfers to my checking account after specifically turning this feature off. Bank of America informed me I would be charged {$12.00} fees for four transactions, totaling {$48.00} in fees. I will also be charged {$35.00} for each transaction that overdraws my account and there is a {$63.00} hold on my account for something not disclosed to me by Bank of America ; they have no idea where the transaction is coming from or what it is.

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 2018-06-30
Company: BB&T CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was searching for potential apartments to move into on XXXX when I came across a 1-bedroom apartment ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) for $ XXXX/month. During the afternoon of XX/XX/2018, I messaged the property manager, XXXX XXXX, through XXXX. At XXXX on XX/XX/XXXX, he sent me an email with more information about the apartment. I asked if I could view the apartment before filling out an application, but he said I could not view the apartment until the current tenant moved out on XX/XX/XXXX. He said for now I could secure the apartment by signing a Lease Agreement and wiring the first month rent ( {$2300.00} ) and security deposit ( {$1500.00} ) to  the Landlord ( XXXX XXXX ). XXXX said when I do view the apartment and decide I do not want it, I will be fully refunded. I emailed him the completed Lease Agreement on XX/XX/XXXX,  and the wired money went through to the Landlord 's BB & T  account on XX/XX/XXXX. He agreed to show me the apartment on XX/XX/XXXX at XXXX. However, on the morning of XX/XX/XXXX, he emailed me saying he could not show me the apartment because his mother just XXXX XXXX with XXXX, and he won't be back until XX/XX/XXXX. Since I currently live in this apartment complex but in a different unit, I decided to go to XXXX XXXX XXXX to see if anyone lives there. At XXXX on XX/XX/XXXX, I knocked on the door of the apartment, and the couple living there answered. They said they are the residents of the apartment and are not planning to move out any time soon. At around XXXX on XX/XX/XXXX, I went to the XXXX XXXX Police Department to report this fraudulent incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX

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 2018-06-23
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.

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 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have tried several different external apps like XXXX and XXXX  to combine my scattered finances into one place. Capital One makes it incredibly difficult for me to share *my* information with these trusted companies in order to help me manage my money, including paying my bill on time!

It would be very easy for them to connect with other services like XXXX - I know this because it was only recently that this problem started. Having to go to fifteen different website to pay fifteen different bills is difficult, especially for the disabled like myself.

If Capital One wants to make sure that those they lend to pay back their loans on time? They should make it *easier* by working with these companies, not more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.

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