BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/19 I recieved a phone call from the XXXX XXXX claiming to be mediators. The first rep I spoke with was very rude and hung up after I started to say I have no intentions of paying this, but hung up before I could finish my sentence which would have finished with I have no intentions of paying this at this time. I called back and spoke to another rep who kept claiming I was digging myself into a bigger hole because this is a recorded line and threatened to call me at work and even at church. This is unacceptable. Both reps continued to interrupt and threatened to start the hearing process. Both times they claimed to NOT be debt collectors, but meditation between the client and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
To Whom This May Concern that can fix this stressful Situation : I closed my Bank of America account because my card was stolen along with my phone and other items from my house. Bank of America promised they would close the account and I would not get billed anymore. Well in XXXX the following I received a generated bill from them saying I owed money. The balance was XXXX when it was paid off. Back in XXXX it was closed and they would not give me a new card because I could not give them the phone number I had when I opened up the account because I could not remember it because I had many phones and phone numbers. If the account is truly closed why are they sending me generated bills yet. And I can still pay them. I have called and complained to them, but they do not listen and just send me to the next person and guarantee me the account is closed. But obviously it is still in their system and they are charging me the yearly XXXX fees for a account or card that does not exist or I do not use and an account that I was closed clear back in XXXX. 

Sincerely. 
XXXX XXXX Here are some of the statements they are sending me in generated email for an account that was closed XXXX according to their records. XXXX shady business practice to me. I wonder how many XXXX other people they are doing this shady business practice too. All that money will add up I would say. I paid it through my bank account and they took it for an closed account multiple times. 

New statement balance : {$5.00} Account : BankAmericard Visa Platinum Plus ending in - XXXX Date : XX/XX/XXXX You have a new e-Bill from Bank of America Credit Card BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$0.00} Amount Due : {$0.00} Account Balance : {$10.00} ( CR ) So how can I have a credit of XXXX than on a closed card suddenly I have a bill of XXXX cents something is seriously wrong with this bank You have a new e-Bill from Bank of America Credit Card XXXX BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$25.00} Amount Due : {$25.00} Account Balance : {$34.00}

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 2019-03-21
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - I obtained a FICO XXXX  credit report. On this credit report, XXXX XXXX XXXX lists a debt in collections for the amount of {$610.00}. They claim that the original creditor is XXXX XXXX and that the debt was assigned to XXXX XXXX XXXX on XXXX XXXX, XXXX. They list an account # of xxxxxxxxxxXXXX. I have never had an account with XXXX XXXX and didn't know what to do. 

On this same day I met with a financial professional provided by the Department of Defense to assist servicemembers with their finances. This financial professional called the fraud department at XXXX XXXX with me. The fraud department searched for any unpaid debt under both my name and social security number and found no evidence that I have ever had an account with XXXX XXXX. Since there is no record that I have ever had an account with XXXX XXXX, I do not owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
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:
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
After multiple attempts to resolve this issue. Td Bank/Target is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Commonwealth Financial Systems, 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: Account status incorrect

Complaint:
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by commonwealth. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as commonwealth and the previous debts listed above that the credit reporting agencies have not bothered to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: NC
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:
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: NJ
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:
Good Afternoon, I am having trouble getting a feasible repayment plan for 4 of my private student loans through Navient. I had filed for bankruptcy in XX/XX/XXXX, however my loans were not discharged although I was, and still am, experiencing financial hardship. These particular loans are in default and were sent to XXXX  XXXX by Navient for collection. I had tried to set up a repayment plan with Navient back in XX/XX/XXXXand the only options given were very unreasonable! Who can afford to pay $ XXXX $ XXXX/month. I offered to pay $ XXXX/month until I was financially stable enough to pay more. That was denied and the Navient customer service representative YELLED at me and very rudely told me that that would be my only option unless I put at least {$1000.00} down first to then be able to apply for a repayment plan. I told him I could not afford to do that, but could definitely do the $ XXXX/month. After he told me once more that they would not accept that amount. I told him I really didn't have anything more to give. He told me my loans would then be in default. Since then, I have been paying $ XXXX/month to XXXX XXXX ( not a lot, I know, but I also pay Navient about $ XXXX/month for two other loans ). I called Navient, who then transferred me to XXXX XXXX yesterday, and the only options given for repayment were to settle the loan for roughly {$21000.00}, which I can not do, or put down 10 % of the loan ( {$8300.00} ) to qualify for their repayment option of $ XXXX/month. I am just stuck and am really trying to work on my credit and get some of these loans paid down. I currently owe Navient {$180000.00}, which is mostly just the interest. I just need a reasonable repayment plan and someone to just work with me! I can barely afford to support myself and daughter and all of these loans spiraled out of control over the years. I would love to be able to go back to school to finish my degree, but am unable to affrod to pay out of pocket and clearly can not get another loan to do so. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2021 ( PORTFOLIO RECOVERY A ) added a derogatory mark on my credit report per XXXX XXXX This account has been terminated/sold and i am no longer responsible for the account. Debtor didn't verify this collection. also there was no written form of communication or contract. A bill without signature doesn't validate the debt according to the FCRA. 
( PORTFOLIO RECOVERY A ) has violated my rights as a customer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Haven't got any money from wells Fargo I started banking with them in 2021 and haven't got any money or a written response about the clam y'all have against them please let me know what to do next thx

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 2021-05-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank in XXXX MA has a sign on their door clarifying that per MA regulation, clients are to wear face covering. It further states that if clients are unable to do so ( e.g. for medical reasons XXXX, they will make alternative arrangements to deliver the service. 

Today I was refused access to my safe-deposit box because they determined that my face covering XXXX what they state they require, and also compliant with MA regulations that you have a fabric covering over nose and mouth ) was inadequate because a teller wanted a " mask. '' I explained that I was compliant with MA laws. I was told it didn't matter, that they had TD requirements ( which clearly contradict what their public notice declares ) and that if I didn't wear a mask they provide, they wouldn't serve me. That option wasn't practical for medical reasons. 

There should be accountability for capricious denial of service and access to my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now XX/XX/XXXX and we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.

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 2021-05-04
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Amerihome Mortgage Company with escrow for insurance and taxes. My insurance was expiring on XXXX XX/XX/2021 and the mortage company did not make the payment on time. After repeated follwups from the company i have not been able to trace the payment to the insurance company but the escrow statement shows that the amount was deducted from my account. I have since changed my insurance company to continue my coverage but the mortgager is still not able to track the payment. I have tried to reach them by phone as well as online messages but to no avail. 
I recieved a mail from the company about forcing me to buy a force place insurance at a exceptionally high cost. 
I dont understand if i am signed up for escrow account and they failed to make payment on time then how are they forcing me for force plan insurance. 
I feel at a loss for this poor management. I have since read about several complaints about the mortgagor in onilne forums about them being negligant towards escrow payment. 
I have also requested the mortagor to cancel my escrow account so that i can manage it going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I agreed to a repayment plan for 6 months from XX/XX/XXXX to XX/XX/XXXX in the amount of XXXX per month. I successfully completed all 6 payments as defined in the payment schedule and should be current on my mortgage. Chase mortgage is stating that Im still behind 2 months on my mortgage payments which isnt correct. I have supporting documents to prove the payment plan agreement and proof of payments I made via bank statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
ally financial called me i tried to explain i am filing bankruptcy i gave the name of the attorney didnt have his number the agent was rude and harrassing refused to transfer me to a manager. 

told them i was calling cfpb got off the phone with them and they continued to call back

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported for missing a payment in XX/XX/XXXX. I have not had a running balance with this creditor in 4 years. They charge me a fee of XXXX a month. I have had a great payment record of this fee for the last four years. In the midst of eveything going on this year I don't have the patience for a negative credit mark on a FEE. I don't even have the physical card. There has not be a swipe on that account or a delinquency in some time. 

XXXX XXXX XXXX should remove the monthly fee ( what am I paying for ) and correct their report to my credit in XX/XX/2020 of a missed payment. Again, there is no actual charge or running balance on the card. ZERO purchases on this card. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX, XXXX on XX/XX/18. This letter was for debt collection of {$750.00} from Paypal Inc. I do not owe Paypal any money. 

I called Paypal and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter. 

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my Paypal account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was. 

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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:
XXXX is showing on Equifax credit report as not being paid.I have spoken ti Equifax several times, still hasnt updated XXXX Account ending in XXXX as Paid. Disputed and still not resolved. The account is listed as a charge off, and doesnt say paid. This account was paid, before going. Please see attached letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, My two credit card accounts with CapitalOne were closed I have been with CapitalOne since 2017. I am always a loyal Customer and pay my monthly bill on time. I have never been late with my payment. 

However, my two account were closed. I contacted them, customers service at CapitalOne say account were closed because there were fraudulent activities a year ago. 

They closed my another credit card account too, the reason being the card was linked to my name. so they closed that credit card as well I am upset because I am not at fault with this account closure. However, they do not want to solve my issue. I feel they wanted to take my cash back on my credit card that I have on there. 

I have attached image regarding my accounts that are closed by Capitalone all the sudden. I wasn't informed and the account was closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
sent police report id theft victim
also id theft gov 
ftc 
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