BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I made a payment on XXXX, and was told it failed due to non-sufficient funds. So I made another payment on XXXX, and was under the impression everything was fine. 

On XX/XX/XXXX, received an alert that my payment had failed. After discussing with my bank ( XXXX ) and XXXX ( credit card company ), I eventually learned that XXXX had collected my payment on XXXX, but did not update my payment history to show a successful payment. The status still shows both the XXXX and XXXX payments as returned. 

Even though XXXX had already collected the money, they tried 3 more times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to collect the money. They explained that they attempt to collect a payment 3 times after a failure, and that they consider both the XXXX and XXXX payments as being separate. Even though they had been paid, they tried to collect my XXXX XXXX more times afterwards, and caused an NSF with my bank each time. I also was hit with 2 different late fees from XXXX. 

XXXX has been great and offered to refund 2 of the 3 overdrafts, even though they weren't at fault. However, XXXX has refused to cover the cost of the third overdraft they caused, and they also would only refund one of the late payments. I would be satisfied with both of the late payments being refunded, because the net result would be no money out of pocket for me from their behavior or unknown practice of NSFing a customers account 3 times trying to get a payment ... ..with no prior notification or direct authorization. 

In the end, they never told me they had collected the funds. Even now, my payment history shows 2 failed attempts, and no successful attempts. If they had at least updated that portion of my account, I wouldn't have made another payment under the understanding that I owed them money. Because I did, I got hit with a number of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
since XX/XX/2013 I have been applying for loss mitigation and have always denied saying they did not receive the documents they asked me, I even went with an organization that helps those who made me all the paperwork and sent the required documents, but when I called the specialist assigned for the Bank who never answers only record label, said that the Organizations had sent compressed documents and it could not be opened, it is clear that the bank is not suitable to accept my applying for loss mitigation denied on the pretext of not receiving my full documentationEven though I meet all the requirements for this program, The last time call with an employee of HOPE and they said they already had all completed documents, however just receive a letter from the bank saying that they Declined because they do n't have the required documents. I call the specialist they assigned me but were unable to attend me, and meanwhile my debt continues to grow and foreclosure continues for sale. This is my only shelter, I am a senior citizen and need to stay home if they approve my applications, I can make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with XXXX ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about XXXX points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ XXXX for their services which I can not afford.

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 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX we received a response from Bank of America ( " BoA '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and BoA responded that this is a duplicate inquiry. However, this is a new complaint. BoA confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.

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 2020-01-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I tried to pay down a Wells Fargo Home Equity Line of Credit using Bill Pay from my XXXX account. XXXX showed that the check was expected to be delivered on XX/XX/2020. I called Wells Fargo on XX/XX/2020 and they had not received the check, so I asked XXXX to put a stop payment on the check, thinking it was lost. On XX/XX/2020 Wells Fargo credited my account as if they cashed the check. I immediately called XXXX and had them reverse the stop payment. On XX/XX/2020 the funds were still showing available in my XXXX account, so I called Wells Fargo. The Wells Fargo representative told me that the funds were on a ten day hold that would end on XX/XX/2020. I escalated and spoke with a supervisor ( XXXX XXXX ) and was told Wells Fargo had experienced a stop payment on XX/XX/2020 and would not try to submit the check again for payment. To expedite the payment, I had XXXX wire the funds to Wells Fargo on XX/XX/2020. On XX/XX/2020 Wells Fargo reversed the credit and turned my account over to collections.

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 2018-09-18
Company: Experian Information Solutions Inc.
State: NC
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 sent a total of 5 dispute letters to Experian ; I have attached 4 of the 5 certified mail receipts for support. Each time, they respond back stating that the accounts are verified. My issue is that my certified mail receipt shows that my most recent letter was delivered to Experian on XX/XX/XXXX at XXXX pm. I received a response dated XXXX to my dispute letter verifying all 11 accounts in question. There is absolutely no way that Experian did their due diligence on investigating these accounts in just 6 days. My disputes are justified and valid and they are obviously auto-verifying my information instead of doing an investigation on the accounts in question. Here is a list of the items in my letter delivered on XX/XX/XXXX : XXXX XXXX XXXX - # XXXX Reason : This account has a charged off status but XXXX XXXX XXXX XXXX still reporting a balance of {$7900.00} every single month. If the account is charged off, the balance reporting should be XXXX. Please delete this erroneous account from my report ASAP. 

XXXX XXXX XXXX - # XXXX Reason : XXXX is reporting that the date of first delinquency was XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Dont creditors send all 3 bureaus the same information? Please delete this inconsistent, inaccurately reporting account from my report. 

XXXX XXXX - # XXXX Reason : Account is reporting as a charge off but was settled. There is nothing more owed. Also, date of last payment is reporting differently between 3 bureaus ; Experian reports XX/XX/XXXX, XXXX and XXXX   report XX/XX/XXXX. This information is inconsistent and should therefore be removed from my report. 

XXXX # XXXX Reason : Account has been transferred to a collector who reports a balance which means this account should not be reporting. Please delete. 

XXXX - # XXXX Reason : Date of last payment varies across 3 bureaus which is inconsistent since creditors should report same info. This account should not be reporting. Please delete. 

XXXX XXXX - # XXXX Reason : Date opened shows XX/XX/XXXX but first reported shows XX/XX/XXXX. This makes no sense. How can an account report before it was opened?? Please delete erroneous account. 

XXXX XXXX XXXX - # XXXX, # XXXX Reason : These accounts are unknown. Please provide signed contract and/or application with my information on it or delete. 

XXXX XXXX # XXXX, # XXXX, # XXXX Reason : These accounts are unknown. The address provided by the company for when accounts were opened is also incorrect. Please provide signed contracts and/or applications with my information on it or delete.

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 2021-01-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a small business owner that have been affected due to Covid-19. Before Covid-19 I have been making payment to my Chase Business card for about three years. In XXXX I was able to make my last payment then on XXXX XXXX, 2020 ; I got very sick that had to go to the hospital for the second time on that same year. They kept me at the hospital with XXXX medication then I was XXXX. I was home sick for more than 3 weeks. By mid-XXXX of 2020 ; I called XXXX to asked them to give me a lower interest rate or lower my monthly payments to be able to afford the payments. I explained that my business was affected severely as my prospect clients were affected as well. Despite all the efforts thru phone calls and letters that I uploaded into their system on the credit card message. No one at chase was able to help me by at least closing the account lowering the interest payment and making a payment plan. My original balance on XX/XX/ 2020 was {$29000.00}, the last payment I made was XXXX 2020 for {$710.00}. Then my balance went up just for interest and charges to {$32000.00} with a monthly minimum payment for {$800.00} while the pandemic. I had to borrowed money from family and friends to pay some bills that I was able to afford ; between working and borrowing money I have been able to put food on my kids table and keep a roof trying to make ends meet. Due that Chase reported my business account into my personal credit report. If I do not fix my credit score, I was told by the wholesalers ' lenders that I must keep a decent credit score to be able to do business with me. I am a one stop shop men that wears all kind of hats trying to survive during this pandemic. Small business like mine ; I feel we were left behind while big corporates were able to be bail out or give free money to keep going. 
On the credit card page, they had a link to request help for Covid-19 ; however, I clicked on that link but the link took me to the same credit card page from Chase. 
When I requested help over the phone the customer representative stated that closing my account and {$800.00} per month was my relief due to Covid-19. 
The latest phone call that I received is that they are going to put my credit card as a charge off. I want to make payments but can not afford at this moment what they are asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Card : Goldman Sachs Apple Card- which is both a general purpose credit card ; AND a deferred payment plan for XXXX devices ( 3 XXXX, 1 XXXX ) with no interest charge for 24-36 months. 

There are two cards for this shared, co-owned ; and are supposed to be available to us both in our XXXX Wallets. 

ISSUES : ( 1 ) the second co-owner is UNABLE to add his card to his Apple Wallet application, and it has been over 12 weeks since problem was first reported to both XXXX and Goldman Sachs WITHOUT any resolution ; ( 2 ) as customer / consumers we are UNABLE to reach senior technical support management for a regular update from either GS or XXXX ; ( 3 ) we use a XXXX XXXX XXXX for ALL our financial and bank statements ( for mail security ), yet GS will not permit customers to use this legal, legitimate addressing method for our accounts ; ( 4 ) GS will not allow both credit card owners to PREPAY ( make additional early payments ), by XXXX device, that are on monthly ( interest free ) payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: TX
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:
There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but Equifax and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Students Come First
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I began using " Students Come First '' website : studentscomefirst.us Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They claimed that if I payed XXXX dollars a month for the next 6 months, My student loans that are currently in Federal Default, qualify to be forgiven. I can not find any information on the company, no complains or statin it is a scam. I have been contacted by an XXXX XXXX and a XXXX XXXX, in regards to the process. I have tried calling them back and emailing them, and no one answers. I have already paid them almost {$500.00} in the past and I need to know if this is a legit company. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: FL
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:
It's fraud the inaccurate 's on my credit report which are the soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my Experian, XXXX, XXXX   credit scores and credit reports my XXXX  XXXX adult son and the XXXX   XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own thats why I haven't pursued criminal charges or law enforcement presents in the fraud situation

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 2020-05-25
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
XXXX  not reporting account sold and never reported in remarks.Inaccurate 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 2017-08-11
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech XXXX is in violation of 15 U.S.C. 1692e, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Ditech has provided me a 3 page ARM note that they have claimed is the legal document allowing them to collect the payments for my mortgage. i have notified Ditech multiple times regarding issues with the XXXX page ARM note. The first issue is the endorsement that is on page 3 of one copy provided by Ditech the other copy they provided of the same document lacks the endorsement. The second issue is that there is distinct tick marks in three places on one copy of the document and void on the other copy of the document. In these two varying documents that are supposed to be the same and original to show a legal interest in my mortgage and the ability to collect payments it brings clout to which copy is original. The third issue is with my signature as it lacks certain traits that can be easily seen in other signatures made by me at that time on various other pages of my mortgage documents. It is my conclusion that XXXX has ignored my attempts to bring this issue to their attention and instead has disregarded them. They have fraudulently made changes to this document in an attempt to show they have a legal right to collect on my mortgage. There has been no explanation provide to why the same document has been provide by them to me with altercations made from one copy to the next. Ditech XXXX XXXX. Being the current servicer of the mortgage loan has failed to meet the requirements of licensing in the state of Hawaii or provide after multiple request such documentation showing that it has meet and followed all state law. They have violated both 454M-2 license required and 454M-6 requiring a license to perform loan modifications. 454M-2 License required. ( a ) No person except those exempted under this chapter shall engage in the business of mortgage servicing without a license as provided in this chapter. ( b ) No person shall engage in the business of mortgage servicing in this State unless the person providing services has a physical presence in the State pursuant to section 454M-5 ( a ) ( 5 ).

( c ) No person licensed as a mortgage servicer shall provide mortgage loan modifications or any other services that would require licensing pursuant to chapter 454F

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions 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:
Back in 2015, we cancelled our XXXX cable service and sent the XXXX back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with Experian, who said they verified the debt with XXXX XXXX XXXX. The debt is fake. XXXX shouldn't never have recorded it as a debt.

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 2019-11-13
Company: ONLINE Information Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ONLINE COLLECTIONS TO # XXXXXX WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX .I  would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

Company response to consumer: Closed with explanation