BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: FL
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 submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE WITH THE OPEN DATE OF XX/XX/2019 {$600.00} BALANCE THAT WAS WITH XXXX XXXX XXXX. I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAD GOTTEN THIS ACCOUNT REMOVED BUT I GUESS IT WAS SOLD TO THEM AND IT IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On these dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I asked LexisNexis to provide verification and the method of verification of the public record reporting to my file per FCRA. To this date they in violation of the FCRA failed to provide the required information. The record is below : XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 deposited approx {$450.00} into an ATM machine belonging to Bank of America in order to put money balance on my credit card. 
The ATM swallowed my money, and the bank refuses to give it back saying itll take 2 billing cycles. 
The bank refuses to give me a temporary credit and refuses to resolve this matter immediately basically holding my money hostage even though it was not my fault

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 2018-02-23
Company: Navient Solutions, LLC.
State: AR
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 was not aware of the number of loans being taken out. I was not aware what it meant to not be an accredited school. The school changed it's name 3 times before I graduated. Turns out I did have about 4 different loans and each one wants payments. I have deferred I am unemployed. I am now in default because I am not sure where all of my loans are. I tried to consolidate at one point but because so many different loans was not able to. I need student loan forgiveness. Now I just had my complete income tax refund offset to a collection agencies for one of the lenders or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Green & Sons Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Snap Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They harass me every couple of days even after I asked them to stop contacting me. This morning they called again before XXXX XXXX  and when I asked who they were they said, " uh I don't know '' then hung up. I then called them back and the recording says they are Snap Recovery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with Wells Fargo. In XXXX, I refinanced with Wells Fargo. Now inXXXX XXXX  XXXX I applied again to refinance. It was approved and I have letter of committment from the bank dated XX/XX/XXXX. I had an appraisal done of the property and paid for that. In mid XXXX I was told that Wells Fargo would not let me refinance because I had individual stock certificates for the two apartments that I own rather than a single stock certificate. I was told that it would be too late to change if the Coop Board was willing to change their policy because as we were speaking the application was declined and I would have to start over again. I have a statement from XXXX and the buildings management company indicating that the two apartments are combined. Two separate certificates is the norm. I asked to speak with someone who was involved in the decision and was told that underwriters make the decision, and clients were not allowed to talk to them. I was told that this is an industry wide practice mandating by XXXX XXXX. I spoke with someone in the XXXX XXXX office and they said this was not so and was particular to Wells Fargo.

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 2021-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, XXXX I entered in a consumer credit transaction with Credit Acceptance, in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges. I was not expecting a bill this bill is a violation of 15 USC 1692b.

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 2020-08-28
Company: EQUIFAX, INC.
State: AK
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 not mine : XXXX Inquiry added on XX/XX/2020. 

Also I've never had any account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since the credit breach with Equifax I have been unable to access my account online. I've made countless attempts by phone only to get automated questions, disconnected calls, transfers, etc. Representatives say their website is in maintenance and to call back after 2 hrs. Password resets don't work. They are not willing to mail my report. 
This company is in serious trouble. I only get emails inviting me for free credit scores and free credit report. When I click the link and answer all the questions the password won't work. They send a reset password to my email address only to have the same problem again. This has been going on for two years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: Rocket Mortgage, LLC
State: NY
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:
I created an online account with Quicken Loans / Rocket Mortgage. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with Quicken Loans and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by Quicken Loans twice explicitly without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My husband and I have a joint spousal consolidation loan which needs to be separated ( per PL117-200 ). Since the US Dept of Education has not yet implemented this law ( signed on XX/XX/22 ) our student loan lender refused to pause our payments. We are both XXXX  and eligible for PSLF, but can not apply for this until our loans are separated. American Education Services ( AES ) acknowledges that we have made well over the required 120 payments. We are unable to pay $ XXXX on student loans that should literally be gone. We are asking for a pause ( like all other direct federal loan borrowers have ) until the US DOE implements the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked various times for validation of this supposed debt to include original documentation showing I owe this debt without any response from debt collector. I have also sent disputes to credit agemcy whonsay they have verified but cant get any documentation from debt collector. Under FCRA they are required to provide original documents to prove I owe this debt and if they arent able to must by law remove supposed debt from my credit report as it is effecting me obtaining credit, auto loans, mortgage, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Previously had a loan with Wells Fargo Dealer Services. Due to unexplained, exaggerated, and unnecessary fees and charges, I elected to service through another institution. I no longer have a loan with this bank. It was bought out two weeks ago. 
Wells Fargo Dealer services continues to call and harass, nevertheless. They will not take incoming calls, leaving instead a very untruthful statement about the effects of hurricane XXXX on their call center. 
They refuse to stop calling and this must stop. Wells Fargo has a well documented history of very unsavory and unethical practices. Why are they continued to be allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX XXXX and the car salesman lied to me and said it was a good economical car and it was completely the opposite. I notified the financial institute ( Quality Acceptance - XXXX XXXX, XXXX and XXXX of this occurrence. It cost me nearly a 1000.00 a  month insurance, car payment and gas. The finance company made the dealer take buy back the loan and I gave the car back. I have gone to a million dealers that say they use them because I was going to get the same loan and now I have a million inquiries, low credit score, the financial institute does not respond to my emails, they do not respond to the car dealers and I'm without a car for over a month. Please help. This is an injustice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Colony Brands, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX & XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX & XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX I deposited a check and when I wake up the next day my account is in the negative. {$1800.00} I bank with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I went to XXXX XXXX of XXXX, la. & used my XXXX moneycard to make a withdrawal from the chase atm. I made a withdrawal of XXXX dollars, with atm fee charge of XXXX dollars, but i notice once i got the receipt that i was charged another XXXX.This was today, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Navient Solutions, LLC.
State: TX
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:
XXXX XXXX, A.K.A. Navient, purposefully denied receipt of written correspondence that specifically requests for help. 

In XXXX, I was able to work as a loan underwriter for several months. I learned how interest rates and the number of loan periods can affect the total finance costs of a loan. I realized that forbearance and interest only payment plans do not add help to the overall financial health of the borrower. 

Normally, when I ask XXXX XXXX, A.K.A. Navient, for help, there are a couple of standard responses that include forbearance & interest only payments. This help would temporarily allow me to survive the next couple of months, however, forbearance & interest only payments actually make my situation much worse as these temporary situations will come to an end and I will be left with a larger economic deficit. The idea is that after a couple of months, my financial situation would magically change and Id be able to afford payments. However, this is highly improbable to occur. The end effect is not help but distress. 

I currently owe about {$200000.00} in student loan debt and given the magnitude of this long term liability, I will need more than the average increase in income to survive than say someone with {$30000.00} in student loan debt. I realized this during XXXX of XXXX and decided to reach out to XXXX XXXX ( Navient ) and ask for a real, permanent solution to my financial situation. 

On XX/XX/XXXX, XXXX, I sent a successful fax to XXXX XXXX at XXXX, see FAX pg 1 PDF through FAX pg 5 PDF, which requested interest rate hardship status. I provided a graph of my economic situation and mentioned previous conversations with XXXX XXXX regarding solutions that were offered to me for help. I also asked that XXXX XXXX stop compounding interest. This would stop additional interest accruing on interest. I provided financial information to prove that I had negative capacity to pay my liabilities. 

After I submitted the fax, I called XXXX XXXX ( Navient ) about week later and they denied receiving the communication. The XXXX XXXX, A.K.A. Navient, representative sounded a bit suspicious, as if she didnt want to admit that such a letter even existed. I later checked online to see if any received documents were uploaded. To my dismay, my fax was not found. The fax cover, see FAX pg 1 PDF, proves that the fax was successfully received with the marker OK. At the time, I was scared of XXXX XXXX ( Navient ) and didnt push the letter. 

My question to Navient, A.K.A. XXXX XXXX, is as follows : Why did XXXX XXXX ( Navient ) deny receipt of my letter when it was clearly received? What reasons would there be to deny borrowers acknowledgement of their written communications?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: GA
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:
Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX XXXX XXXX   {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Army and Air Force Exchange Service
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried to make payment on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX program online but was unable to on its website. Called to make payment and was unable to due to my account being " locked '' and was told I would have to make payment at a store that was not available at my current location. This store card is a scam that should be blocked by the service member civil relief act.

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 2018-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
EHLP CASE XXXX LOAN XXXX. XXXX XXXX XXXX and my wife XXXX XXXX XXXX. We had a XXXX loan when times were hard. All payments were made on-time. HUD shows late payments. I have cancelled checks and a multitude of other documents showing no payments late. HUD will not release the lien on my property for the bank has submitted incorrect data and refuses to rectify the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have multiple unauthorized ATM transactions on my Wells Fargo account. I tried to contact them through relay but the call never went through. I had to file each transaction as a separate claim online. This type of fraudulent transaction can not actually be disputed online so I had to choose a different reason for the dispute and then explain in the notes that these transactions were actually fraudulent. Again, I did it this way because I could not get through to them on the phone. 

I finally did get through today and they said theyre denying some of my claims because the physical card was used. Also, because the chip was used that goes with card! Yeah, the chip usually accompanies the card geniuses. I explained in my dispute that my card was stolen. So anyway, they approved two claims, gave me temporary credit on another, and denied the rest. How can they approve 2 claims and deny seven others when they are all the same string of fraudulent transactions??? That tells me that they didnt do the proper research on these claims. They need to look at these again. Someone ripped me off and Wells Fargo is letting them do it!

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