BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$91.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2022-01-19
Company: SYNCHRONY FINANCIAL
State: NY
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:
There is a paid charge off under the name SYNCB/AMER EAGLE under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at American Eagle! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!

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 2017-07-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$30.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2018-01-06
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I notified NAVIENT and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to NAVIENT and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after NAVIENT was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX.  In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX NAVIENT and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and XXXX continued calling. XXXX XXXX XXXX made several calls to my cell phone in violation of the no contact request. The NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: NY
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:
There is a paid charge off under the name XXXX XXXX XXXX account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: OR
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:
On XX/XX/XXXX I applied for a personal loan, I filled out, what looked like a normal application with XXXX. After submitting the application I received an email stating I was approved but needed a co-signer. I immediately responded stating I did not have a co-signer and to terminate my application. On XX/XX/XXXX I received a {$5.00} charge to my bank account from XXXX. I immediately contacted stating this charge was not approved as I did not have an account with them and had previously requested my application be terminated. I requested this charge be refunded, through all correspondence with XXXX I receive the same generic email with no outcome of a resolution. 

Today, XX/XX/XXXX XXXX shows up in my credit report with a balance of {$220.00}. Yet again I immediately contact XXXX, I call the phone number and it only allows you to leave a message and states no call backs will be done but an email will be sent instead. Yet again no matter what reply I send I am answered with the same generic email.

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 2018-01-08
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed for Mortgage Modification with US Bank. 

First application XX/XX/XXXX, after several paperwork sent and wrong processing they denied the modification. 

XX/XX/XXXX sent modification appeal, they took 3 months and came back and said that they did not have all paperwork, purposely delaying the process. 

XX/XX/XXXX new modification sent. 

XX/XX/XXXX they apparently approved it and my payment from XXXX was modified to XXXX as a trial plan for three months. 

XX/XX/XXXX asked processor several times how this payment was going down? lower APR? or how was the payment going down, they will not give me this information and said that I will find out once I receive the permanent one. 

XX/XX/XXXX received the new statement and escrow review, the new payment was XXXX same amount as the proposed modification, so in reality the modification was the same payment as the new payment for XX/XX/XXXX. 

Called to check on this and the processor said that the XXXX could go down since if the APR is modified and the new escrow review, etc could help. 

Today I received the permanent modification after 7 months of paper work, emails, calls. They raised my APR from XXXX to XXXX. They also extended 25 years to 30 years and charged me XXXX for capitalization. 

How is this modification helping me? when a customer applies for modification is because they are having issues making a payment, and the bank will come back to raise the years for payment and the APR??? 

Please investigate.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!

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 2019-09-23
Company: Eagle Home Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I bought a home with XXXX XXXX  at XXXX XXXX, XXXX TX XXXX. 
I would like to file the official complaint against XXXX XXXX and Eagle Home Mortgage for unethical business practices, as the home buying was not fair, and it was not at all transparent which resulted in mental anguish and monetary losses. I have listed my complaint in the details below : XXXX is unethical in its business practices. They have the finance company Eagle Home Mortgage. The business firms focus on the pursuit of self-interest of their owners : profit maximization by violating the individual rights. 
Taking advantage of customer by not disclosing closing dates and process in timely manner. XXXX home moved the closing date without buyer consent and not giving enough time to choose the lender, forcing the buyer to go with the XXXX i.e. Eagle Home Mortgage. 
Company employees XXXX XXXX, XXXX XXXX, XXXX XXXX threatening the buyer for consequences of losing the deposit and loan denial if buyer went with another mortgage company. 
Non-Disclosure of information related to home loan. Resulting in a tremendous amount of stress and anxiety for buyers that resulted in Emotional distress. 
Eagle Home Mortgage charged higher rate of interest and closing fee and don't gave the incentive they promised which resulted in monetary losses. 
Non-Disclosure of information related to the PID tax during the home sale price negotiation.

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 2022-10-06
Company: EQUIFAX, INC.
State: MD
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX  LENDING LLC XXXX Balance : {$18.00} XXXX  CREDIT XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a new complaint and new subject. Has nothing to do with the prior complaint. 
Capital One received a cease and desist. Capital One continues to send statements in the mail to me after receiving a cease and desist from me. Capital One also has not reported the alleged debt as disputed to any of the 3 major credit reporting agencies. Capital One is in clear violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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:
Asset Acceptance sued me in 2012, however when I did not receive appropriate court documentation to be able to request validation and enter an answer with the court. Additionally, they filed a motion for foreign judgment in Florida, again without providing any documentation to the court or myself as to the nature of the law suit. Therefore I have been unable to verify if the debt is mine since 2012 and they have been awarded a default judgment against me without proving me the means to review information regarding the original complaint. I want all documents they submitted to the original courts that they used to validate the debt to be awarded a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On the dates of XX/XX/XXXX and XX/XX/XXXX I, applied for your XXXX XXXX XXXX XXXX  which resulted in a denial of a consumer credit transaction. Pursuant to 15 U.S. Code 15 U.S. Code 1691 it is unlawful to discriminate against me as the applicant to any aspect of a credit transaction. I can not be denied my own credit that Bank of America is extending back to me, not the other way around. 
Pursuant to 12 U.S. Code 1431 ( a ) you are not legally allowed to extend any credit. You have denied the original creditor, ( myself ) my own credit. The fact that Bank of America is claiming to be the original creditor is considered fraud. As a natural person, I am able to open any amount of open-ended credit plans as I choose to per U.S. Code 15 U.S. Code 1602 ( g ).

You are currently in violation of FDCRA, for the use of my copyrighted property. Since the use of my credit card was used to endorse this consumer credit transaction, I am demanding the use of my open-ended credit plan.

You may also want to train your employees better when they are speaking to consumers about denials. 
I called the credit reconsideration line on XX/XX/XXXX and spoke to XXXX who addressed herself as a senior credit analyst. She stated that my application was denied as a result of a bankruptcy that is currently reported on my consumer report. I explained to XXXX that it was illegal to deny me my own credit based on the fairness and privacy that 3rd parties must exercise with respect to the consumers right to privacy U.S. Code 1681 ( a ) ( 4 ). The bankruptcy should not be reported on my consumer report, in the first place this is stated specifically in 11 U.S. Code 107 ( c ) ( 1 ) XXXX  stated that she was sorry I felt the way I did, but she could not approve a consumer credit contract.

Per 15 U.S. Code 1681 ( a ) ( 1 ), Congress found that inaccurate and unfair credit reporting from consumer reporting agencies has impaired the efficiency of the banking system. 15 U.S. Code 1681 ( 2 ) states the development for investigating and evaluating the creditworthiness, standing, capacity, character, and reputation of consumers is an elaborate mechanism. This is basically saying that the consumer reporting agencies that you all have used are not reliable for determining my creditworthiness.

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 2019-09-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During our house hunting, XXXX XXXX XXXX XXXX Rocket Mortgage verbally gave misleading information over the phone. The Loan Officer, XXXX XXXX, verbally gave me rates including points without disclosing his rates came with points. He also said our ARM would never go above 5 %, which later turned out to not be true. 

When we got our offer accepted on XXXX, XXXX asked us to sign a document quickly to ensure a quick loan process ( We needed to close in 21 days ). The document was not clear to us that we were opting into a loan origination fee ( points ). We had never discussed points at any time. The points were just slapped it on our application and we missed the fine print. Since we are first time home buyers we view this as predatory behavior as we did not even know what " buying points '' meant. 

I learned for the first time that I was paying for points while I was in my closing appointment, XX/XX/XXXX. The documentation from the title company made it clear we were purchasing points, RockatMortgage 's documentation does not disclose this info in a clear way. 

To give an anecdote of how in the dark I was, my loan officer suggested that I can do the ARM and refinance in 6 months. I am paying $ 10k in points. It would make no sense to refinance in 6 month and any ethical loan officer would not suggest such a thing. Or at least caution the pro's/con 's of buying points. 

Upon asking RocketMortgage to review, they agreed that my loan officer and I never discussed points. They also didn't refute the fact that I was told my loan would not go above 5 %. They offered no resolution. I find this to be a systematic condoning of misleading behavior of the loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On the XX/XX/XXXX I 've recieved an e-mail that my deposit was reverse ( Coinbase ) but now I still have n't got my funds back! My bank says there is nothing coming as well. 

Now the XX/XX/XXXX and still no funds back XXXX + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called into this company multiple times to discuss an invalid collection. All three times i was hung up on by the representatives after simply supplying them with the account info. They claimed they could access my account and hung up in my face 3 times in a row. 100 % unacceptable for a company that has the ability to ruin credit. 

They have sent over debt verification that is invalid. The amounts owed make completely no sense and the signature is no where near mine. 

According to the paperwork diversified sent me, i took out a lease contract for a phone on XX/XX/XXXX in the principle amount of {$380.00} after putting {$390.00} down and {$41.00} per month to pay iy off. Not only did i not take out a contract on this date but according to the most current invoice dated XX/XX/XXXX it says i owe {$480.00} on the same phone a year later. How can i owe {$480.00} on the balance of the phone a year after i supposedly owed {$380.00}? 

As previously stated, ive had multiple unsuccessful attempts contacting this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or Transunion in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.

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 2019-09-23
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:
There is an address appearing on my Experian credit report that does not belong to me. I sent several letters and even disputed it over the phone. Today, XX/XX/2019 I called to dispute this address over the phone and they would not investigate the account.

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