BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The supervisor assigned to my account, XXXX XXXX, has not returned any of my calls. I have left a message for her at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The underwriter is refusing to accept my hardship application and saying the income can not be verified. My husband and I separated late last year and he moved into a rental home I had that was vacant. We have since reconciled and found a tenant who currently lives there and they are saying there is conflicting information. I have provided a letter of explanation, bank statements showing the tenants deposit, a new lease agreement and copies of her checks with her name and the address on it. They are making no effort to help me and will not return my phone calls.

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 2017-11-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have my XXXX XXXX XXXX American Express ( AE ) card for over a year, and I always paid the balance in full and on time. However, I missed the payment of {$1800.00} on XX/XX/XXXX deadline, so I immediately made a full payment of {$1800.00} on XX/XX/XXXX. 

The 2-day late payment cost me {$88.00} of interest charge which I could not believe it. I contacted AE customer service ans asked why it 's so much for 2-day interest and was told that it was based on 18.75 % APR ; however, it should have never been that much, even the customer service advised me it seemed very high! Subsequently, I was charged another interest of {$73.00} on XX/XX/XXXX for the same late payment on XX/XX/XXXX. Again, I contacted AE and was told there 's nothing they could do to reverse the charges because everything was done by computer. I was so outraged and wanted to cancel the card ; then, I was advised that I would loss all the benefits and points that i have earned last 12 months if I cancel my AE card. So I have no choice but to keep the card untill I use up all my benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold a XXXX XXXX XXXX XXXX ( missing crown ) on XXXX XXXX, on XXXX and the payment was made through PayPal for {$400.00}, the watch it was delivered to the buyer but the buyer it was not satisfied with the purchase so he Ofer {$200.00} for the watch, I did not accept and asked the buyer to return the watch for a full refund he went and open a case with XXXX, and PayPal put a hold on my account for {$400.00},., but the buyer never return the watch the buyer return a enty envelope then I contact XXXX and XXXX resolve the case in my favor ( seller ) Then the buyer Open a case with PayPal.,  PayPal request the buyer to send the watch back and this time the buyer sent a damage XXXX XXXX ( wrong watch ) and PayPal resolute on favor of the buyer., then I contact PayPal and the FBI internet crime Unit and I sent all documents and pictures., as of today XX/XX/XXXX I am with out watch, money my account on hold plus I have to pay PayPal {$400.00} please Investigate and help me resolve

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 my Paypal account was limited by PayPal and I have been unable to withdraw my {$360.00} balance to my checking account. I tried to resolve the issue but have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: MEGA CAPITAL FUNDING INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went on an approved CARES ACT mortgage forbearance from XX/XX/XXXX until XX/XX/XXXX. I resumed making my regular mortgage payments on XX/XX/XXXX. I have been making my mortgage payments on time each month ever since. I applied for a loan modification and was approved to begin making my modified payments on XX/XX/XXXX. After XXXX modified payments I was supposed to have my loan modified no later than XX/XX/XXXX. I made all XXXX loan modified payments on time and still have not received my final loan modification documents. 

As of XX/XX/XXXX, the mortgage company is threatening to foreclose on my house by XX/XX/XXXX, if I do not make the lump sum payment of {$28000.00}. I have called multiple times and on each call, they act like they have no record of my loan modification. I do have a hard copy and pdf version of the loan modification that was offered and accepted by the loan servicer. 

I am worried that they will attempt to foreclose my property illegally. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Diversified Consultants, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I settled my account in full with Diversified Consultant Inc. I was advised of receiving my paid in full letter within the next 2 business days and that it would be removed from my credit. I took precaution to file a dispute of my own thru XXXX. I tried reaching out to Diversified Consultant Inc. several times regarding my concerns, but the consultant just keep giving me the same answer that they are working on it. Fast forward to today, I made another attempt to resolve the issue. The consultant, XXXX, stated to me that he is still working on getting my paid in full letter and that they do not remove items from the credit bureau. I asked XXXX that many creditors have done so in the past and Diversified Consultant has done it before based upon their previous client 's reviews. XXXX just simply stated that they do not do it and disconnected on me without true reasoning. I am contacting the Consumer Financial Protection Bureau to investigate the unfair, improper treatment of their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX, I'm a XXXX yr. old single mom of XXXX boys ages XXXX and XXXX, I was married 10 years and just went through a two year divorce that ended XX/XX/XXXX with him being found guilty for XXXX and so now after staying home 8 years I've gone back to school and got a GED, also license to XXXX XXXX in hopes to be able to support my kids alone, both my parents have passed and I don't have any close relatives that can help. 

I only have a short time from my ex to refinance my home and I haven't had much luck with my mortgage company fixing a mistake they made that has effected my credit score and may keep me from refinancing my home, I went into Wells Fargo and made some payments in XX/XX/XXXX and XX/XX/XXXX there were two in paticulatr that I had to call and have fixed, they applied my payments to the principal and what I ask them to do was pay it up two or three payments, I did this because with the divorce I knew I may forget to make the house payment on time but instead it caused me to fall several payments behind and I have reached out to Wells Fargo and not had any luck in getting them to currect the mistake, also if I could get them to just look at the notes im sure they would see where I called and had it fixed over the phone, I have the hardest time finding someone there to cummucate with and ever sent a email to them, I talk to a girl on the phone and she was very rude saying she didn't see where that happen and needed exact dates, I told her if she looked at payment history any payments that went to principal were the ones wrong, Ive always just tried to pay it up several months to help with money and the payment history will show that it was common for me to do that, I usually take my tax money and pay it up three months or more every year. 

I just received a letter from them today and it says they credited my account {$21.00} and have reversed the late fees and interest but this isn't helping the incorrect negative impact on my credit report and I could really use help fixing it, I sent the credit reporting people a letter and tried to get it fixed but no luck, I'll attach the letter and account number from Wells Fargo and I apreciate and help I can get with this so maybe my kids and I can keep our home.

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 2018-11-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested additional information from Suntrust Bank in reference to an account that is reporting on my credit file. The account number is ending in XXXX. I requested the full payment history and how fees and so forth were applied. They only sent me a letter that said the information was accurate. They sent no proof they only sent a form letter.

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 2018-08-05
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have a payday loan with XXXX XXXX XXXX on XXXX, XXXX, CA. I asked about their loan products. They usually recommend XXXX. I hesitated because I've had problems with their ethics practices. They're unscrupulous. The staff assured me they claimed they will work w/XXXX  customers. Their clients don't have stellar credit with FICOs above XXXX. Their incomes are typically less. Mine is better but my FICO is low. At their suggestion & great reluctance I applied on XX/XX/XXXX. You have to do it directly w/XXXX by phone. I spoke to XXXX at XXXX XXXX @ ( XXXX ) XXXX. She said she was unable to get my app to go thru, had no idea why, would talk to her supervisor ( at my insistence for a reason as to why ) & call me back before she left at XXXX XXXX. She never did! No surprise. I told XXXX of my experience. They were shocked because that isn't what they were told. They are being asked to promo XXXX  's product to their clients. All XXXX is doing is clocking numbers, running inquiries on consumers credit w/XXXX which depletes your already not good FICO down by 10 points for 2 solid yrs. & you still get declined! They're a numbers based business playing a game w/consumers time & lives. XXXX was unable to comment because they were lied to by XXXX 's sales rep just to get the business. LoanMe is not capable of supplying loans to XXXX customers, their FICOs & incomes are too low. XXXX  payments are incredibly high & are per pay period w/interest only for months before anything goes to principal. I called again on XX/XX/XXXX & s/w XXXX, supervisor. He said my app didn't go thru because the system has me blocked because I filed a XXXX  complaint in XXXX for their practices which were worse than recent events. Each time I applied ( 3 times ) they never sent a Reg B letter. Claimed to but never did even though they had correct info. Instead of trying to change my mind about them, they black balled me & never told me that or why. I had to persist to find out about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: General Motors Financial Company, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX XXXX is calling me 10-15 times a day as well as visiting my brother, mother and landlord and harrasing them and telling them they must open their garage doors looking for a car that I no longer have due to divorce. They have left notes on the doors of my families homes as well as leaving threatening messages on my voicemail despite the fact that I have asked them numerous times not to continue to contact me or my family. Their debt collection activities are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have contacted EQUIFAX on multiple occasions via phone or website in an effort to dispute information on my equifax report. 

equifax disconnects you and on webpage when you hot submit the system crashes i have exhasuted all venues to have these items removed please help see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
cease and desist letter sent on XX/XX/2018. company still took {$65.00} from my account on XX/XX/2018. Debt is no longer owed.

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 2021-01-20
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
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:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. COLLECTION BUREAU Reported : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: Navient Solutions, LLC.
State: CA
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:
I was advised SallieMae loan company by my school in XX/XX/2016. The company never went into details on repayment options and promised low interest fees. I was told that I was given a " low interest of 9 % '' for my loan. When i made my first payment I was told that i would be only paying a monthly interest fee of about $ XXXX and after almost a year of making the monthly interest fee, I noticed on my account the scheduled fee per month is {$260.00}. For the past year, I have been desperately trying to make $ 300-500 payments to avoid damaging my credit. I have never been given straight forward information about my monthly fee and my balance has not really decreased very much. Their interest rates are insanity. I still am unclear about my loan repayment plan and yet need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On the XXXX of XXXX I called Chase to set up my account so that I could make payments. On the XXXX I discovered that all of the payments that I was making had been declined. when I called Chase the customer service person told me that the person who took my account number entered it in wrong and had one number missing. That day I continued to make payments as I swiped my card. When I was leaving for my flight to XXXX VA on XX/XX/XXXX, I discovered that my card was declined. When I called Chase they told me that they had closed my account due to payments being declined. Since then I Went back and forth with many customer service agents who were very rude. They would not answer my questions when I asked them why I was being punished for their error. I would almost understand why they closed my account if I had a payment, but at the time when they closed my account, I did not even have a minimum balance due. Each and every customer service agent was very rude to me. Sometimes telling me that I had to wait 3 days to talk to a supervisor and sometimes they would transfer me over. No one that I spoke with over the phone was able to give me an exact reason as to why my account was closed when it was their admitted error AND I have not received any notification that my account was closed or that my payments were invalid because they entered it in wrong. This is a horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Conn's, 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:
Back in XX/XX/2013, I purchased Items from Conns Appliances. The merchant overcharged me for the items at the time and charged it to my credit account. There was a difference in the amount charged on the contract I wrote to the amount reported to the credit bureaus. I was investigation this once I discovered the error and had the amounts consolidated. So the debt amount is incorrect as well as the interest rate on my credit score. I was ignorant of my rights as a consumer so I paid the amounts for a while and once I discovered the truth I tried to get to the bottom of the debt. The payments I was making were not decreasing my loan amount according to my numbers. No one was willing to hear me or resolve my issues when I went to the locations. I ended up contacting Conns in order to settle the debt amount with a pay for removal of negative items agreement. I paid the settlement of {$1600.00} and was promised the negative credit marks would be removed. I since checked my credit report and the negative marks are still present. I have no contact information for the credit department so I speak to customer service regarding my issues and they claim that the credit department will not live up to their initial agreement to remove the negative marks. I faxed over a letter with my request 2 times. I also spoke with a representative that stated that they have a courtesy removal of negative marks from my credit report and now when I contact their offices they deny this is the case and in most cases keep me on hold for hours and hang up. Conn 's appliances have a reputation for being dishonest and ruining their customer 's credit but I was unaware of this fact before I made my purchases. 
I have recorded conversations of discussions I have had with Conn 's representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened an account with Amplify Funding in XXXX, 2018 for {$850.00}. I don't believe I received the actual interest rate until after I signed, but now see that it's XXXX  %!!! For an {$850.00} loan, they want me to repay {$3100.00} back! I have made the first payment via ACH from my checking account, but feel I should not have to pay back at a XXXX % interest rate, which seems like loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Consolidated Information Services Solutions, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was about to begin a job on Monday XX/XX/XXXX, when they decided to end the opportunity before it began. According to this email : Hi XXXX, I hope you are well. I'm not in the office today. Apparently, Universal is now required to run credit checks on all employees. They stated they ran yours and it did not meet the requirements. I apologize. This was not a requirement we were made aware of. 

I'll be in touch with you tomorrow. 


XXXX XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America continues to offer through the mail, Money Saving Checks which may be used for any purchases or transferring balances from higher interest rate credit cards. These checks, generally there are 2 or 3 in each mailing, offer promotional rates as low as 0 % for a limited time. 
There is a one time transaction fee for using any of the checks. This is explained in the literature. 
However what is not explained, and it took me several phone calls and visits to the local branch before anyone could explain why i was being charged a fee each month. Admittedly only {$1.00} but nevertheless I suspect that there are many who are unknowingly paying the fee because unless the balance for new transactions is paid each month the fee would be embedded and lost. 
The fee, so I found out after much trouble, is interest on any new transactions. New transactions, whilst there is an outstanding balance on the initial check transaction. do not have any grace period. Even if all payments are being made on time. 
This zero grace period is not explained. Nowhere. Even the BofA staff did not know.

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