BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has refused to cooperate with me to get a loan modification that will be permanent. After my work accident two years ago, I have been put on XXXX by my doctor and XXXX. It has been difficult for me to make payments and I have fallen behind due to my work accident. Now I am facing foreclosure and Bank of America has not done anything to help me with my financial hardship.

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: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to add money to my American Express Serve Card ending in XXXX on XX/XX/2019 but I got an error message. I called the customer service the same day to inquire about the problem. I was told that they needed to verify that I'm the owner of the credit card I'm trying to use to add money to my serve account. They sent me a link by email requesting a copy of the bank statement and my Driver 's License, I immediately uploaded the requested documents. On XX/XX/XXXX, I received another email requesting to submit a documentation to verify my address, I immediately submitted a bank statement that shows my address. I never heard back from them and I tried to add money today to my card and I got the same error message, I called the customer service again and was informed that the account is still " Under review ''. My account was charged {$6.00} monthly fee on XX/XX/XXXX. I don't understand why I'm being charged a monthly fee for a frozen account that I don't have access to it's features.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: SD
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:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT XX/XX/XXXX 1. I received a letter from Equifax dated XX/XX/XXXX noting a new current address change had been made to my credit report ( see Page 1 ). I made no such new current address change. 
2. On XX/XX/XXXX I called Equifax and spoke with 5 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX and initiated a dispute regarding the unsolicited change in my current address to XXXX, XXXX, NV XXXX from XXXX XXXX XXXX, XXXX, SD XXXX  per Equifaxs TrustedID Premier Service ( see Page 2 ). My correct home address is XXXX XXXX XXXX, XXXX, SD XXXX ( see Page 1 showing address that the notice of change in address was sent to ). XXXX XXXX is the former address of another XXXX. Additionally, I sent a request to receive my Equifax Annual Credit Report on this date and have not as of yet received a hard copy of my credit report ( see Page 3 ). 
3. I received a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, noting that my current address was corrected to reflect XXXX, XXXX, SD XXXX ( see pages 4-6 ). 
4. On XX/XX/XXXX I logged on to Equifax, using Confirmation # XXXX, and noted that no correction had been made to my credit report. Due to my time constraints I logged off from Equifax and when I tried logging back on to dispute my credit report incorrect address I was locked out and I emailed Equifax and advised them of my problem ( see Page 7 ). 
5. On XX/XX/XXXX I received an email advising me to contact Equifax Consumer Services Team Member ( see Page 8 ). 
6. On XX/XX/XXXX I called Equifax and spoke with 3 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX but I was unable to satisfactorily resolve my issue without having to jump through additional hoops ( Equifax was ignoring their correspondence dated XX/XX/XXXX see pages 4-6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Waypoint today and we found out that the on the account is not mine but the social security number. It appears that someone as used my number and the address is also different. The number for Waypoint is XXXX XXXX XXXX. They never contacted me because they had no way to do so, but to add it to the social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Experian Information Solutions Inc.
State: NJ
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:
have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX  Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX  XXXX  XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX  XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P XXXX 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In a recent dispute, the results came back verified. 

1. I cant imagine what legal precedence you have that would allow you to report [ Ref # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX XXXX or XXXX XXXX XXXX ] is, I need you to send it to me. 

Thanking you in advance.

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 2019-05-09
Company: Experian Information Solutions Inc.
State: SC
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 not had XXXX in over 4 years. I do not know why they put this on my credit report in XXXX. I have made over 10 attempts in the last two weeks to figure out why they reported this. We do not keep records from over 18 months ago, we can not provide you with a payment receipt, our records do not exist unless you have an online account. These are all the excuses Ive received from XXXX. I disputed the item and Experian stated it was accurate. How can it be accurate if XXXX cant provide documentation of proof that this is even my bill? I paid it off because I wanted it off my credit report, now Ive been completely scammed by XXXX. How can you bill someone extra in XX/XX/XXXX when they paid you all year long and moved out in XX/XX/XXXX? This has happened to many of my friends also, XXXX stating they are owed something random. Please get this off my report because it has nothing to do with me. Hmmm shredding records at 18 months ... Various people complaining about random bills ... something sounds fishy here

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 2021-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed this fraudulent inquiry on my Equifax credit report and I've disputed it several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed a complaint regarding some of these issues on XX/XX/19. I finally received a response on XX/XX/19. For reference, the complaint number is XXXX. 

In the response, my issues were not addressed. I asked for a review of my account financials as the transfer from XXXX XXXX to FedLoan was clearly and massively disorganized. Instead, they ( not even FedLoan themselves ) simply reviewed communication history and payment history. Secondly, I addressed concerns about requests to remove my paid ahead status not being fulfilled ( as I have received no written confirmation of this ). Instead, they simply explained what paid ahead status means and why it can affect PSLF eligibility of my payments. I already knew this, thats why I have concerns about the paid ahead status not being removed as I have requested. Lastly, I expressed concerns about why I was told you can not merge my two due dates into one without it affecting PSLF eligibility as I had repeatedly been told by FedLoan. However, they took it upon themselves to merge these dates without asking me or confirming that it will not affect PSLF eligibility. It took them nearly two months to give me an inadequate response. Time that has led to further troubles with the company. 

Lastly, since I have filed this complaint, I had to reapply for direct billing. However, after reapplying, FedLoan automatically put me into forbearance for the month of XX/XX/2019 (  against any wishes or requests of my own ). When I called to ask about this, they mentioned that this is standard practice due to delays in direct billing. This is highly unethical practice. They should notify borrowers to say they need to make a manual payment for the affected months. As a result of this, I received a highly stress-inducing letter regarding interest capitalization on my account ( totaling {$5000.00} ) that needed to be paid before the end of the month or it would be added to my balance. When you sign of for auto pay for any other service they give you notifications that it would apply to the next billing cycle and that a manual payment is required for the current billing cycle. FedLoan just assumes borrowers can not pay and puts them into forbearance which happens to disqualify payments from PSLF. I was able to get the forbearance removed. However, I am sure many borrowers were affected by this and simply did nothing because they didnt understand or had already given up fighting FedLoans XXXX services. This kind of practice ( among many other practices ) warrants a criminal investigation. 

Virtually every mistake FedLoan has made regarding my account has ruined eligibility of my payments for PSLF. At this point, it is not gross incompetence- it is highly intentional sabotaging of borrowers accounts. I am giving FedLoan Servicing one more chance at addressing my concerns before I take them up with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My estimated federal tax payment for {$2200.00} was stolen from my mailbox sometime after XX/XX/2019, altered and cashed for {$4200.00}. I was not notified that I was overdrawn. I reported it to my local bank as soon as I discovered the check had been cashed for more than written. Corporate Wells Fargo has been in touch but is taking no responsibility and states it will not reimburse me despite my being a stockholder and a long term customer of both bank and brokerage, with no prior problems and an excellent credit rating.

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 2019-05-09
Company: WLCC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect names are reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses that is not not my correct address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-02
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I HAVE AN ADJUSTABLE LOAN SINCE THE DEATH OF MY HUSBAND. ORIGINALLY IT WAS A LINE OF CREDIT WITH MY HUSBANDS EMPLOYER XXXX XXXX XXXX. WHEN HE DIED THEY CONVERTED IT TO A LOAN WITH THEIR LENDER WHO LATER BECAME PHH MORTGAGE SERVICES ... THEY WERE RECENTLY SUED FOR XXXX XXXX FOR ILLEGAL PRACTICES. I FOUND OUT RECENTLY THEY WERE BOUGHT OUT BY XXXX XXXX XXXX, WHO HAVE BEEN SENDING ME PREDATORY COMMUNICATIONS. WHEN I CONTACTED THEM THEY SAID THEY DID NOT SEND ME THAT OFFER IT CAME FROM THEIR AFFILIATES - ON PHH LETTERHEAD -  MY LOAN ADJUSTS ON XX/XX/XXXX ANNUALLY. I CALLED THEM AND SPOKE TO A RESOLUTION TEAM MANAGER - HE TOLD ME THEY WOULD NOT HAVE THE NEW RATE UNTIL XX/XX/XXXX THE LAST ADJUSTMENT OF THE YEAR BY THE FEDS. BUT YESTERDAY THEY SENT ME AN ADJUSTMENT THAT WAS NOT AS DISCUSSED AND DID NOT WAIT FOR THE DEADLINE NOR MATCH WHAT I WAS TOLD [ 3.125 RATE 2 POINT ADJUSTMENT WHICH THEY HAVE DONE IN THE PAST WHEN IT WENT UP. I TRIED TO CALL THE NUMBER ON THE PAPERWORK BUT IT SAID AT XXXX XXXX ON A tUESDAY THAT THEY HAD NO AGENTS AND I COULD NOT LEAVE A MESSAGE EITHER? I HAD A NUMBER FROM LAST MONTH AND TRIED IT BUT IT SAID IT WAS DISCONNECTED. LEAVING ONLY THE WEBSITE. I REPORTED THEM TO AZAG, GOV AND NOW TO YOU THEY ARE ACTING IN BAD FAITH AND LYING PLUS BEING UNREACHABLE TO CUSTOMERS ALREADY STUCK WITH THEM. PLEASE HELP AN ELDERLY WIDOW WHO IS XXXX GET INTO A REASONABLE LOAN!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: IN
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:
Hi, I applied for an Auto Loan at XXXX and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. Chase Auto 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls.

I kindly request for your help on the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Waypoint Resource Group on XX/XX/2019 via certified mail. On XX/XX/19 they received the letter. They had 30-45 days to respond to me in which they have not, and it is still reporting on my credit. I asked for proof of this debt and can not get any resolution. They are reporting that I owe {$780.00} but I dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank, the worst bank in the world, continues to taking efforts to defraud my mortgage escrow account. 

I received a letter on XX/XX/XXXX that my homeowners insurance lapsed as of XX/XX/XXXX, that the bank was purchasing insurance on my mortgage, applying the premium back to the time of lapse. The bank then charged my escrow account nearly {$2800.00} for an insurance period XX/XX/XXXX through XX/XX/XXXX. 

The bank refused to pay my insurance as presented from escrow but instead billed its own for nearly 7 times the original cost presented. 

This institution continues trying to steal funds from my account in such nefarious ways.

Company response to consumer: Closed with non-monetary relief