BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX we mailed a forbearance extension request for our CARES act Fannie Mae mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. 

We called to follow up with XXXX XXXX  on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. 

Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. 

We are currently in an active CARES Act mortgage forbearance plan with XXXX/TIAA BANK and are requesting an extension to that forbearance. Our hardship has not been resolved. 

We have not received any communication regarding our multiple requests for extension. 

We would like to receive written notice of our mortgage forbearance extension under the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Westcreek Financial
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My son 's car needed an engine replaced per XXXX XXXX XXXX in XXXX, Kentucky. Unfortunately we didn't have enough money to cover costs so we were told to apply for a loan through Koalafi per shops owner and the money I was approved for was the exact amount he charged as well as not actually perform the services on the vehicle. The shop owner actual made fraudulent charges for work that was never performed just to have the vehicle go back into the same state. I've reached out to the owner but he isn't trying to work with me on making it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I order merchandise from XXXX. After reviewing all the customers reviews and trying to decide what size to order, XXXX sent the incorrect sizes, items received was nothing like the pictures shown, sizes were XXXX sizes which was extremely small. The shoes order was XXXX sizes and the wrong sizes, color. I disputed my transactions with chase for {$380.00} and received a letter of denial, chase took {$380.00} out my account and left my account on negative. I lost {$380.00} to merchandise, I cant use. Why is XXXX accepting these vendors from XXXX. The XXXX hair received had lice in the bundles, I reported all this to my bank, this is unbelievable, I am owed a refund of {$380.00} back to my bank account. After I received the merchandise, I was diagnosed with XXXX, I am convinced, with these XXXX vendors on XXXX selling in America, and sending incorrect items to America thats XXXX invested. I have proof that I cant even put my leg in any of the merchandise, everything was extremely too small. They were all XXXX sizes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called and sent standing instructions on how to handle my overpayments and how they should be applied. They seem to always apply it incorrectly and then tell me on the phone they have to submit a request to get it sorted out. This is causing additional interest as the overpayments should be applied to the highest interest outstanding principal. Instead it is being applied evenly to the remaining loans. It seems like I have to call every billing cycle to get it fixed. Most recently my XX/XX/XXXX and XX/XX/XXXX payments were not applied as stated in my standing instructions that were sent and approved XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: PLANET HOME LENDING, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited the property in XXXX of last year, my mortgage company is planet home lending and I've complied with every single thing they have asked for during this difficult time of losing a family member along with their income, I offered to pay the mortgage payments until the house was in my name, the company refused on XX/XX/XXXX, I have the email, they consistently keep losing documents I've turned in multiple times, when my aunt passed it was in a forbearance bc she had XXXX XXXX in XX/XX/XXXX, she passed XX/XX/XXXX, so we got that but before she passed she was approved for a loan modification but passed before signing it all, I do have a real estate attorney and have done everything by the book, but they have decided to foreclose, ive applied for indiana homeowners assistance fund, and it is pending. I also have a bankruptcy attorney call tomorrow at noon, I have no where to go, there are 3 of us here and all of us are on XXXX or retirement, me, my mom and my son. I am making this complaint bc they are not doing their part by either not receiving documents or only partially receiving them even though ive uploaded the documents multiple times and I have all the emails to prove it. I'm being thrown under the bus here, I did nothing wrong and yet my home is being taken away. I need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt that was sold from XXXX XXXX Card Services, financed by XXXX, to Midland Credit Management Inc was {$6300.00}. Midland Credit Management Inc is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, Midland Credit Management refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I Hook up PayPal to my bank and there refusing to let me transfer money into PayPal from the bank they said it's lock and it will be unlocked in 72 hrs it's passed and still locked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Radius Global Solutions LLC
State: CA
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:
I contacted XXXX XXXX XXXX XXXX ( billing ) at XXXX at the end of XX/XX/2018. I informed the representative that I had made a payment of XXXX  $ via the Patient Billing Portal website and will pay XXXX $ monthly to pay the debt in full. She informed me that the collection agency would be informed of my payment. I tried to reach XXXX XXXX XXXX on XX/XX/2018, thru their email XXXX but no reply. Then, I reviewed my credit report on XX/XX/2018 and the balance in my credit report shows XXXX . The correct balance is XXXX   . I want the account balance to be updated.

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 2021-04-29
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company his no right to my private medical information to collect profits. Furthermore this debt does not belong to me and was discharged. Please see attached letter to collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An account was originally deleted on my credit report from capital one which is being handled by XXXX XXXX XXXX a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: HYUNDAI CAPITAL AMERICA
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 XXXX XXXX response to my initial complaint is insufficient and did not address the issue. I was not informed of an outstanding balance being a {$620.00} Wear & Tear fee at the time of leasing another XXXX vehicle. I was informed there was a Wear & Tear fee that was taken care of by the Hyundai XXXX dealership and that was it. Once informed via letter in XX/XX/2017 about a {$620.00} Wear and Tear fee, I immediately called the dealership to inquire why this fee was not paid and was assured by them it was handled. I then called XXXX to inform them that, again, the dealership paid because the dealership continuously told me it was paid. I did my due diligence in trying to remedy this issue multiple times between XXXX and the Hyundai XXXX dealership. XXXX  neglected to admit in their initial response that my account was paid in full by the DEALERSHIP and not by me. Again, no payment that came from me was ever late. Better yet, this late payment they claim was my responsibility came from their own dealership 's checkbook! The Hyundai dealerships payment to XXXX was late. The dealership has even admitted responsibility for this payment ( see letter from dealership attached ). The dealerships manager says, XXXX sent XXXX XXXX a bill and she advised them that the dealership was to pay that amountthe dealership failed to do this. The fact that I, the customer, have been the middle man between these two entities, dealing with their lack of communication with one another and being personally affected by their failure to remedy this situation several times is abhorrent. Had I been told by XXXX  or the dealership to pay a {$620.00} Wear & Tear fee, I WOULD HAVE and quite frankly, I wish I was given the opportunity to do so rather than be lied to multiple times by the dealership that the payment was handled and be in this present situation. Look at my payment history- I have never been late on a payment once in my life and would never not pay an outstanding balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hold a mortgage with Midland Mortgage. In XXXX of XXXX and XXXX of XXXX, it is showing that I was 30 and 60 days past due when this information is not correct. During the pandemic, the company stated that there will be no credit reporting as a result of the financial problems that the pandemic caused. I had no issues with my credit report XXXX I recently checked and Midland Mortgage has reported that I was 30 and 60 days past due when this is not correct. I am wanting to see how to get this information corrected. I have reached out to them with no luck.

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 2018-03-01
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be 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 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE STOLE MY IDENTITY AND HAS A HOME LOAN WITH BANK OF AMERICA IN XXXX XXXX.IS AFFECTING MY CREDIT.

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 2020-10-30
Company: Aspen National Financial, Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We have been stressing to XXXX  XXXX our inability to afford this for over 2 years now. For over two years they have been uncooperative and ruined us financially and credit wise. We entered an agreement with them, but we had no clue what we were actually getting involved with. They purposefully withheld information from us during the presentation and the truths they did tell were watered down. Instead of doing their best to make amends with us and acknowledge our inability to make payments towards the XXXX, they sent us to collection agency ( Aspen Collections ). We are being harassed not by one, but two companies. We sent a cease and desist to Aspen to let them know we had no interest in communicating with them and to send our account back to XXXX XXXX so we could handle the cancellation of agreement, and they continued contacting us despite the cease and desist we sent. Aspen has attacked our credit, but we never agreed to work with them. Not only are they attacking our credit, but the balance is increasing with them! How can a balance increase with a company weve never worked with or signed an agreement with? Why would we discuss our account with Aspen Collections when they are unable to assist us with the dilemma were facing? Aspen is complicit in collecting funds from us to go towards a company that manipulates their members into agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date XX/XX/2023 Alleged account number XXXX. 
Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: ALLY FINANCIAL INC.
State: AE
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:
Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XX/XX/2022 2022

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 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 explanation
Consumer complaint received 2020-10-30
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
so I have been Wells Fargo for the last couple of weeks to show my loan paid in full it was paid off 3 weeks ago and they refuse to mark it paid in full on the credit bureau I have dealt with a couple of managers and this XXXX XXXX thinks she is god and will not report it until next month I am trying to buy a house and need this balance gone from my credit report. I am upset they will not report this correctly with the credit bureaus and I want this done ASAP this XXXX XXXX is very rude and won't lift a finger to help the credit still shows open and I owe XXXX it should be XXXX i even proof and they sitll won't do it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CURO Intermediate Holdings
State: VA
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 XXXX XXXX, 2020, AD ASTRA RECOVERY SERVIC add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several phone calls from this number Including my family members are receiving phone calls from this number XXXX. I called them back to find out what company its, The Company calling me and my family members is ICS. 
I don't know what are the phone calls about I haven't receive none information in written just phone calls asking me for my Address, they want to know my address. I denied it to give such information.So At this time I would like to ask the CFPB to contact them to cease and Stop this phone calls because I believe this debt collector is violating my consumer rights under the 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