BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I used a bank of America atm to deposit cash/checks that needed to be in account before the next morning to pay rent, bills, ECT. I normally wouldn't deposit that much cash in atm but it was important it was in account immediately. 3 of the 4 atms were frozen and the atm I had used never disbursed a deposit slip after I deposited a check for {$220.00} And {$3200.00} CASH. Upon checking account again for my deposit I then received a debit card alert. I was unable to get ahold of anyone of the weekend and the usual verification text/email that I get to verify my account never came. I spoke to three reps on Monday XX/XX/XXXX and was informed by the final rep at XXXX that the atm i had used had a lot of fraud in the area and that is why I received debit alert. I was told my deposit would be disputed and investigated up to 90 days and I should be receiving my {$3200.00} CASH back. I decided to keep account with bank of America closed and opened an account somewhere else as they have been nothing but problems this past year I received notice that I have a negative balance of {$490.00} on my account which is false. Wht would I owe anything as I haven't used the account and they informed me checks from a catering job I had done recently were written on a closed account. If this is the case it is their responsibility as my bank to help me dispute these checks and protect me as a customer. They haven't done so. Now I am being told by my employer they are holding the funds of my direct deposit he has requested to be reversed. This is against the law as my employer should not be punished in any way shape or form for my account issues and if the account is closed they are to return the funds to sender. My employer paid me with a personal check up on reversing direct deposit and now he is out {$170.00} And I did not receive my paycheck this week because of this and still owe him for another 4 hours. Bank of America needs to own up to their mistakes and pay me and my employer back for this.

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 2018-08-31
Company: Pono Ventures Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX ATT : XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , HI XXXX RE : Case # XXXX/Wage Garnishment To Whom it may concern, To date I have not received any documentation in regards to said debt that you are currently seeking wages for in the amount of {$4000.00}. My employer has allowed one deduction as I was completely unaware of garnishment. They will not be deducting any future pay checks as I formally submitted a dispute with possible fraud with corporate so you will not receive any further garnishment. I have also mailed a dispute to the Hawaii Small Claims courts. 
Ive searched Public records and was able to locate case that way, Im still unaware of what debt is for as there are no details. I would like to request the court order and proof of original debt. 
I am formally disputing debt and garnishment as I have not been served or on the island to even possibly show up to court to dispute anything in person for the last 2 + years. I was completely unaware of garnishment until XX/XX/2018. I request you provide proof of said debt and court order via email XXXX or to my mailing address of XXXX XXXX XXXX XXXX, HI XXXX. 

On XX/XX/XXXX a garnishment in the amounting of XXXX was taken from payroll was forced to resign due to unknown garnishment. 

Also " XXXX XXXX XXXX " is a dba for XXXX XXXX XXXX which is also a previous employer I feel it is a conflict of interest for agency to have even handled case due the fact they would have more privileged information then other collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions 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 tried to get Experian to re-investigate a Ch.XXXX bankruptcy that is inaccurately reporting on my credit report. I have received numerous responses from the bureau stating that they did in fact verify this public record and they have not. The Courts have informed me that they did not, have not and will not divulge any information about a consumer without their prior consent. I called the courts and went there to see if i fact someone came to the courthouse to check on the accuracy of this public record and they have no record of someone coming in. Today XX/XX/XXXX I called Experians Fraud Dept and a rep told me specifically they verified my case at the courts through court records. I informed her of the letter that i sent to their offices which included the letter from the courts. The rep claimed to have seen this letter in my file while we were on the phone. I informed her that XXXX  XXXX ( which is who Experian stated they verified my BK thru ) no longer has this BK in my file. This is my second complaint about Experian. They claimed to have verified this Bankruptcy in XXXX, but XXXX XXXX has had my file updated since XX/XX/XXXX. I am currently being unfairly treated because Experian refuses to follow the FCRA and properly reinvestigate this public record according to their MOV. I have asked several times to be informed of who verified my BK, what company did they work for, what date they verified this BK, How they verified it and who assisted them with the verifiction. To no avail, I have still been unable to get anyone to assist me with removing this inaccurate information from my report. The rep informed me that they do not have to give me the name of the company verifying my information. This is illegal to continue reporting information that I am telling them is not mine.Even the address that the BK is showing isnt an address that is mine. This address was listed in a Identity Theft report from the police, stating it isnt mine. I can prove that this public record isn't mine because the Court rep showed me in her system that the dates Experian are using are not even matching what is showing in their system. Please help me get this worked out, I shouldn't be punished and denied credit all because this company doesn't want to reinvestigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: Unifin Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive had issues with Freedom Mortgage Over the last year since applying for my second loan with them. I was a Freedom customer 10 years ago and they were awesome, but now seem to be always behind. When we initially closed, they only paid for a portion of my homeowners insurance policy, leaving me without coverage during hurricane season and causing me to pay an additional {$2300.00} out of pocket for a last minute plan prior to the arrival of Hurricane Dorian. The initial closing process itself passed me around to mortgage experts who rarely answered their phones or returned my calls. They didnt seem to care how long it took to get my paperwork through and almost cost me my house in a competitive buyers market. More recently I attempted to refinance my loan, only to get stuck in the closing process waiting my for XXXX payment to post. I had to call them four separate times over a period of three weeks to finally schedule the closing. Now this morning I took off work to wait for the notary who was supposed to be here at XXXX XXXX. She alerted me last night that she didnt have the closing documents. The closing company called me this morning to tell me there was a delay in receiving the documents from Freedom. Not once did Freedom call or reach out to tell me the plan would change. When I called them to complain the response was well we are happy that the documents are finally out and there are no problems. This complete lack of accountability on Freedoms part is wholly unsatisfactory and disappointing in the lack of oversight and leadership displayed in multiple departments. They seem to have a culture of sub-par work at the expense both in time and money of their clients. I recommend they take steps to implement stricter QC and timeliness policies to avoid jerking people around like this in the future.

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 2018-08-31
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Walmart ( XXXX ) because my new bill has fees/interest on it, saying the late fee I rec 'd due to holiday in XXXX was waived and I paid minus that {$70.00}, and can not understand more fees/interest. I was told, again, something is put on the balance increasing next month 's pymt plus because I only pay minimum they added interest. I said paying minimum is legal, I am unsure of what your doing or if it is legal. The woman said I pay too early and get late fees. I pay all bills around the XXXX with limited income due to XXXX XXXX. She said it reflects my billing cycle the XXXX. Again, I was advised to do what I needed to as they want the amount being charged. I seek your intervention with this. Thank you XXXX XXXX ( XXXX ) Walmart.com 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 monetary relief
Consumer complaint received 2018-08-31
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 status incorrect

Complaint:
XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX call them every day to settle this debt always told to talk to some by the name of XXXX but never no return call. 1 week call them daily no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer recently changed from XXXX XXXX to Selene Finance. I have requested a mortgage modification to bring my mortgage current because when my mortgage servicer changed from XXXX to Selene Finance, XXXX didn't forward my mortgage payments that were debited from my account to Selene Finance. This has caused me to become delinquent with my mortgage.Selene has been difficult to work with. I don't want to loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX keeps sending me shoes I did not order. I return them and they do not always credit my Visa account. Also they claim to have not received some returns using their own preprinted labels. Their shoes pop up on my XXXX app.I have contacted Visa about the various charges and am submitting what proof I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX appears on my credit every other month for no reason and want to no why and the purpose.

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 2018-03-10
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, Citibank, NA sent me a letter declining my application with no other explanation than " because we couldn't verify the accuracy of some of the information you provided. '' The letter lists a phone number, XXXX, which upon being called, played a recording instructing me to refer to the information in the letter, with no possibility of speaking to a representative. 

As part of the application process, Citibank, NA went so far as to demand a photocopy of my Social Security card, which I provided. 

Citibank, NA is neither clear nor helpful in explaining their decision. Further, I believe the information I provided in the application XXXX is accurate, and that I am creditworthy.

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 2018-06-21
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to economic downturn, my business declined and my family went through hardship and fell behind on mortgage payments and eventually had to file bankruptcy. In keeping to our financial responsibility, we worked hard to improve our financial situation through additional employment. In the process most recently, we requested a loan modification to get back on track with our mortgage company Fay Servicing. After a lengthy, stringent process, they approved us for modification only to find out that they want to almost triple our interest rate - from 2 % to 5.5 %, a 175 % increase. Meaning our payment would go from approx. {$3100.00} to {$5200.00}. The whole idea of a loan modification is to receive some type of modification, generally more time to repay or reduction in the interest rate - NOT an increase in the rate. If it was unmanageable at {$3100.00}, how does the lender expect us to make a payment almost 3x more? It is illogical. Also, it is evident they are raping the consumer to make a profit and forcing the homeowner out of their home by making it unmanageable and foreclosing on them. Manipulating the rate during the modification process is very deceptive. The account manager stated that the rate had to increase because that is the market rate and that they could not offer a government program or rate. We knew for a fact that we weren't in a government program or rate at 2 % because we were told that back in 2014, so by making that statement and standing behind it was clearly an excuse. In 2014, Fay Servicing confirmed to us that we had a conventional loan and did not qualify for any of the government programs because of the loan amount. Also, at that time we were told we needed to come up with approx. $ 25K to avoid foreclosure, and when we told them we had the funds, they informed us it was too late to stop the foreclosure - when it was 5 days away. Again, we knew that wasn't true. So we know what the account manager recently stated was not true. Also, I researched the rate with local banks to be sure and they confirmed my belief as I was told the rates were below 4 %. We find this discriminating and illegal - because we filed bankruptcy and imposing an acceleration of our interest rate, respectively. Also, our house is upside down by $ XXXX and the lender didn't even consider a principal reduction or forgiveness. The lender is well aware of this as they recently completed a market valuation of the house. I hope CFPB can assist us in the process to keep our rate the same and get a longer term to repay our lender so we can stay in our home and also work out a principal reduction after they chose to not work with us before and force us into bankruptcy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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:
Disputed unauthorized and fraudulent inquiries on XX/XX/2021 was not notified of dispute results, and investigation did not fix errors on my personal credit report. Below is attached a FTC Fraud Affidavit statement that highlights all fraudulent items and inquiries. Dispute confirmation number XXXX and dispute confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and XXXX has removed a debt but trans union still carrying it. I would also like that removed.

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 2018-06-21
Company: Nelnet, Inc.
State: IN
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 have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
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:
Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.

Company response to consumer: Closed with explanation