BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was due to have one overdraft fee on my account, the financial institution rearranged my transactions retroactively to apply additional NSF fees. Calling to have the issue resolved helped with the first fees mentioned, however, two additional fees of {$38.00} were applied to my account. All agents and representatives advised their policy allows for two fee reversals per year. I immediately opted out of overdraft, but still remain in the negative about 3.5 hours of my hard earned labor due to this financial institutions consumer harming business practices. The file below shows reasonably the fees were legitimate, however, after contacting ALL the merchants affected, I was advised that the charge they're showing was FULLY debited from my account two days prior to this, meaning that BBVA restructured the transactions to maximize the amount of fees on my account. I have spent 14 hours on the phone between my bank, merchants, and this seems to be the final option to resolve this issue caused by predatory banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a modification on XX/XX/XXXX. The modification that I agreed to and signed before a notary stated that under the agreement the loan would be reduced in three equal installments of {$76000.00} with a final installment of {$28000.00} due on and payable on XX/XX/XXXX. The mortgage payments were made and time and Ocwen failed their terms of the modification. The loan balances should be {$140000.00} 1st/ {$580000.00} 2nd balloon payment. The current pay-off amounts are {$130000.00} 1st/ {$250000.00} 2nd I have called Ocwen numerous times and I am told they are able to  make changes to the agreement with my signature or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I never entered into any credit transaction with fed loan per saint 15 USC 1692 Which states its not illegal to sale a account but it is a violation to sale my personal information and it is also a violation per saint 15 USC 1692e 807 false or misleading representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer violation so they are civil liable for damages for willful noncompliance per saint 15 usc 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got an alert from XXXX  XXXX  saying I have a new derogatory account debt which was opened on XX/XX/XXXX and XX/XX/XXXX this unlawful tactic was used to target all three of the major credit reporting agencies. I have never gotten a witten validation letter from Midwest Recovery Systems in XXXX XXXX, Mo. I had an old debt that was charged-off and or closed back in the year XXXX I live in California and it is illegal for companies like MWRS to buy old closed contracts trying to recovery money that is no longer owed and account is closed. There is a statue of limitations after 4 years in my state. This company has ruined my credit score on all of my credit. They start out with harassing phone calls of intimidation talking about lawyers and mediation I was not sued and had no CCJ against me and the fact that they can just send any old piece of information to the 3 major reporting agencies with only profile information and your social and an old bought account number these agencies do not check to see how old the account is they just add it to your file as current by using such appalling illegal practices as a company. I am vehemently opposed to these misleading actions of MWRS. By my rights under the FDCPA and they should not be able to RUIN a persons credit because they are running an illegal scam. I am going to report this company to the AG in my state as well I will not tolerate this type of abuse from no one or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My XXXX  credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-09-21
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Via XXXX, I have disputed on numerous occasions false debt and false addresses tied to my credit report. On XX/XX/2021, and XX/XX/2021, XX/XX/2021, and XX/XX/2021 I have disputed the debt collection of XXXX usd from XXXX XXXX  / SUNRISE CREDIT SERVICES and it continuously shows up on my XXXX credit report. These issues have been resolved via XXXX and XXXX but XXXX still can not seem to understand how they have mistakenly allowed SUNRISE CREDIT SERVICES ( acct # # # # # # # # XXXX ) to falsely tie this XXXX XXXX  account to my name, which I have no knowledge of. 

My credit score is nosediving by over 100pts due to no fault of mine.

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 2020-02-07
Company: ONEMAIN FINANCE CORPORATION
State: PA
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:
Dispute XXXX XXXX I didnt authorize that Dispute one main I didnt authorized it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX my wife and I told Bank of America that we could no longer make our mortgage payments. The reason being I have health reasons that take include XXXX and I have XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX in my XXXX ), XXXX XXXX XXXX XXXX in my XXXX, and XXXX XXXX XXXX in my XXXX All these problems require a specialist. We live on social security and my wife has a small XXXX dollar pension. All we have heard or gotten from Bank of America is 5 letters wanting us to refinance! We have told them5 times now that the house is theirs we do not want it or can afford it! They continue to carry us as delinquent in our payments for all this time!! They have ruined our XXXX XXXX of the first things we asked for was a short sale. They sent us a refinance form! We sent item another letter stating that we did not want the house, to no avail they are now finally now starting foreclosure on us. How long are these Banks aloud to put of what the customer asks for?? It has been 22mounths since we turned the house back in to them and are still being carried as delinquent with a bad credit rating! I do not think this is right! I had to go to the VA. for medical help and prescriptions.

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 2019-05-21
Company: WELLS FARGO & COMPANY
State: CT
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:
WellsFargo shows that I have an open account line of credit with them that is not paid for 6+ years. I called wells I spoke to XXXX on XX/XX/XXXX XXXX XXXX gave them my SSN # and XXXX told me there is no account attached to my SSN that I should call the 3 credit bureaus and report the issue. On XX/XX/XXXX I filed the dispute, today XX/XX/XXXX The report came back from XXXX I can not get a definitive answer on why it is not coming off my account. So I need help with removing this off my credit score. Also in the 6+ years since my wife has filed this bankruptcy, I never received any paperwork or bills from wells fargo. On my XXXX XXXX it shows that the account is closed but seems to be open I just can get clear information.

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 2019-10-09
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased s car from XXXX XXXX and the car loan was approved through Global Lending Service. However, contacting GLS is extremely difficult and results in inaccurate, incomplete and none resolved issues. I initially revived a call from GLS regarding a welcome call from XXXX. However, I was unable to talk for 7-10 minutes and asked for a return call but was denied a number to call them back on. XXXX stated that I needed to just dial the number that showed up on my call id. Unfortunately, unknown caller was the message received instead of an actual number. The welcome call was finally completed via XXXX a funding manager but the next issue was verifying my insurance. I provided all the information to XXXX but somehow it was not uploaded or documented as such but getting back in touch with XXXX to resolve the issue was not possible. Despite several calls and attempts I never received a return call from anyone at GLS. The problem is now making payments. The car payment is due on the XXXX ( today ) or XXXX ( tomorrow ) of the month and I have no information on how to make a payment. I called again today and was simply told by XXXX that, its my responsibility to make a payment and do what I need to do to get the information. She informed me that the application was completed at the end of XXXX ( no date was given ) which is maybe the reason why I havent received the welcome package because that takes 7-10 days after its completed. She also stated that the person that did my welcome call should have explained all of this to me. However, when I spoke to XXXX, I was told that the information would be mailed out but that was almost a month ago and I havent been able to reach him since. So please assist in obtaining the needed information to actually make payments and gathering the terms of the loan and conditions. I purchased the car at the end of XXXX and have now been trying for almost 2 months to obtain information from GLS with no resolution. Instead I get attitude from associates and the nasty snare of its my responsibility to do what I need to do but there is only so much that can be done if you dont get a returned call, dont get the information in the mail, dont know the terms of the loan and havent been provided accurate information to agree and or ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an account I am paying off with National Credit adjusters, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at National credit adjusters told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for XXXX XXXX. The number assigned to Ntional Credit Adjusters is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I called Capital One card services about my credit cards that I have with them. The card that ends in XXXX has a current balance of {$2700.00}. I paid {$100.00} from my bank Customers and it went through. I had {$14.00} of available credit. I now don't have any available credit because the interest rate is extremely high!! My second card with Capital One ends in XXXX and has a balance of {$2900.00}. I paid {$240.00} from the same account and I am supposed to have {$35.00} available on my account Capital One has not released the funds stating that they need to call my bank to see if the funds would clear. I told them that the same account that paid the {$100.00} and cleared is the same account that the {$240.00} payment came from. They will not release my funds and I am certain that when they do they are going to put the interest right after the available funds and my card is going to be over the limit and I will not get a chance to use the {$35.00} that is available!!! 

The interest rate on both cards are too high!! I have asked Capital One to lower the interest rate!! I have been a customer for years and I am tired the rude representatives XXXX ( supervisor ) whose ID # is XXXX and the Fraud Supervisor who would not give me her name or ID #. This has been an ongoing battle with them about my accounts. They want to call my bank to verify the funds I told them no the money is good!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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 status incorrect

Complaint:
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We are informing Bank of America, N.A. that attached letter Notice of Fraud and Intent to Litigate along with eight attachments has been sent via certified mail to their employees : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. We also sent the same documentation to their attorney XXXX XXXX. XXXX, XXXX. via certified mail as well.

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 2020-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable stress.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable 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 2020-11-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. I am submitting information to prove I met the terms of opening an account with a promotion. I received a response letter stating that I did not keep an average balance of XXXX  . However, you calculated that average from account opening, even though the terms state I had 10 days to deposit the amount and FROM THAT DAY, maintain a XXXX balance. I am attaching my savings account statements that show starting on the day of the XXXX deposit, that money was left in the account for the correct amount of time. 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 monetary relief
Consumer complaint received 2021-09-21
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: Account information incorrect

Complaint:
Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Collections Professional to find out more information on and to pay an old medical. I asked for more information and asked about settlement payment plans. The reps tone instantly changed and she became combative. This increased with every question i asked. 
She said i had to hold for a supervisor. 
XXXX would not give me his last name. I stated i needed to verify to whom i was speaking. He responded " I don't play games with " you people ''. 
Im not sure what you people means but i feel like hes presuposing some kind of bias. 
Turns out XXXX owns the place or claims he does. When i called him again he wouldnt say the name of the buissness. I called another number for the XXXX IL office and again XXXX answered with a hello i stead of identiting his business. It all just seems very surreptitious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
State: NC
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:
In XX/XX/XXXX, charges were made to my account number in the amount of {$580.00} which I told Wells Fargo were fraudulent. They asserted otherwise. On XX/XX/XXXX after I asserted otherwise they credited {$580.00} back to my new account as they found that the charges were made without my permission. Since that time I have not received any further statement from them they I owe this amount. In XX/XX/XXXX, a trip we had paid for was canceled and the trip provider, XXXX refunded {$3600.00} to the card I charged it on which was my old account number. Wells Fargo only remitted {$3000.00} back to me. The total refund was {$3600.00}. Apparently they applied {$580.00} to the fraudulent charges which they had previously refunded to me. I asked them to give me the entire refund which they refused to do. If they feel I still owe them the {$580.00} which were fraudulent why have they not billed me for that amount and why did they refund them? I feel they owe me {$580.00}. I would like my money back. They were very uncooperative.

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