BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX : logging in using my Personal ID and password, only bus accounts show on screen. I'm told the accounts have been " melded ''. This is without any input from me. I'm given a case # XXXX and told someone would get back to me in 48 hours. First lie : no on ever gets back to me, trying to get an explanation is impossible : phone tree and robot akin to waterboarding, then when finally in queue, no one answers the phone for over 20-30 minutes.This happens countless times. 

On XX/XX/XXXX, while at a conference in XXXX I get an e-mail ( copy enclosed ) that makes me panic, they've deleted my bill pay from my BUSINESS ACCOUNT. Try to find out about this and have same exp as above. This e-mail turns out to be totally wrong! I have no idea what they're doing. 

On XX/XX/XXXX, I go to BoA XXXX Branch, speak to XXXX XXXX, mgr who says he will look into it. He responds on the 11thXX/XX/XXXXthat " they '' said they didn't need to get back to me because they " fixed '' it in two days. No explanation of what they're doing to my accounts. Are they melded or not? He forgets to bring up the e-mail. I get another Case # XXXX, which they never respond to. 
XX/XX/XXXX, I log into my account using Personal User Name and Pasword and the screen is exactly the same as it was on XX/XX/XXXX. -only my bus accounts, no personal account showing. I'm harangued by Mr XXXX, who insists I am logging in with my Business user name and password, because " they '' said I was. I send him a video that shows " they '' are again wrong proving " they '' don't have a clue. 
XX/XX/XXXX- I change my Personal password again, I log in and finally have my personal account showing, but now my Business Checking doesn't show which means I can not transfer funds between my Personal and Business accounts. As of today, that's how it remains. 
I have also been told that they have the wrong tax ID for my Business account, but since it is impossible to get any answers or believe anything they say at this point I am reaching out to you. 
When does their sloppiness cross the line into malfeasance?

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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of filke ''. How are these inquiries factual when I the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.

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 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted khols department store on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BSI Financial Holdings, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have being trying to do a mortgage mitigation with BSI and it has being a nightmare. 
We asked for advice with the Ct Housing Authority and showed them our correspondence. 
The COMMENTS from the staff attorney, XXXX XXXX XXXX, at the Connecticut Fair Housing Center after reviews is : " Right now, BSI 's wrongdoing is hiding the ball on the escrow increase and providing you inaccurate documents. It unfair and negligent '' Her email is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency EOS CCA and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to XXXX  XXXX  who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My contact was put into forbearance from XX/XX/XXXX to XX/XX/XXXX. After this my account was put on a payment to paid back all the money at one time. I was told that there would be a payment paid but that wasn't true. So that my account could be into a loan modification I was told not to pay payments for 3 months. When I was approved for the loan mod I my wife was taken out of work due to illness. I was also late XXXX, XXXX and XXXX of XXXX due to the lost of one income and addiction to the family. I had received another job to supply for my family and keep on time with all of our bills but in XXXX and XXXX I was laid off of work. XXXX of XXXX I was able to land a job in my career were now I am able to supply for my family and as can be seen I haven't missed a payment since then. I am hopefully that due to hard times I would be able to get these late payments removed from 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 2018-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to settle this before. I am XXXX and on XXXX. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on XXXX but they still destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ENCORE CAPITAL GROUP 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 not properly reporting to the credit agencies. The account has been paid they have been listing the account as in a derogatory status. This account was paid back in XX/XX/2016. This account should be reporting as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am purchasing a home, When my credit report was run a Medical collection came up from a XXXX XXXX for XXXX they said they performed sevices in XX/XX/2015 I checked with my doctor and my records show no procedure was performed in XX/XX/XXXX of that year I did have a proceedure done in XX/XX/XXXX at a hospital where my insurance covered 100 % I contacted the Collection agency Eastern Account Systems They told me that XXXX who administers the Self funded Plan for XXXX County XXXX XXXX XXXX plan was disputing the charge. The Collection agency did not have the billing statements for the debt. When I told them that there was no record of the procedure the agent told me they would request a copy of the billing and get back to me when they had heard back from them. Also when I researched the XXXX XXXX I could find no record of them. XXXX county has been in touch and said that the XXXX procedure would normally be covered and they contacted XXXX who said they don '' t have access to the records and I would have to request in writing for them to search there archieves.My closing is XX/XX/XXXX the mortgage specilist assigned to me said that one collection is affecting my score almost 40 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I send a request to have the fraud alert removed from all 3 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
This company that I never made any business or sign any contract or know have been trething me calling over and over any time of the day or night. They have said they will take everything that I have and will report to ICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Trans Union reporting to XXXX XXXX removed my XXXX Account from the report which negatively impacted my score by 13 points. There is no reason to remove the account from the report. The account is active, paid on time and had a positive impact on my credit score prior to its removal. There is no explanation as to why this occurred. XXXX indicates it is currently reporting this account to the three credit reporting agencies. 

Accounts Removed XXXX XXXX   XXXX  - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2019 and XX/XX/2019, your credit card with XXXX PERSONAL MASTER was removed from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I called Wells Fargo dealer services to pay my past due amounts to get me caught up to date I had lost XXXX XXXX as I am XXXX and was unable to make my payments due to loss of income they refuse to accept my past due payments by telling me that had I called two days earlier they would not have charged off my account and would have accepted my payment then now that my account is in charge off status they can no longer accept my payments I have called them five times trying to speak to an executive they refused to give me a name or phone number for an executive they refuse to reverse the charge off even though it was only a two day difference and that I did offer to pay all of my past due amount owed They offered a settlement for an amount of {$1700.00} per month for four months but I told them there is no way I can pay that kind of money and I begged them to please lower the amount that will help me with my financial situation and my hardship with my self-employment and loss of income but they refused to help me All I want to do was pay all of my past due payments of three months so I can get back into my monthly payments I can not afford to lose my car it is my life. I have never received anything in writing from this company that this charge off would be happening they have not contacted me at all with a letter either mailed or certified they claim they tried to reach us by telephone but never succeeded theyve never left messages on my telephone id they did call so to me they did not try to contact me to tell Me this would be happening and to offer me to get my payments paid on time before the charge off I dont think its fair that they did not contact me in writing or speak to me by telephone

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 2019-04-24
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
In XX/XX/XXXX I received an auto loan to purchase a XXXX XXXX XXXX with Ally financial. The car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif Ally had dismissed the case. I do have a notice of dismissal from New York State. Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact Ally 's legal department and I have gotten nowhere.

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 2021-11-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
From XXXX XXXX XXXX an individual going by XXXX would message me through XXXX and eventually phone number ( XXXX XXXX ) XXXX saying to deposit checks ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ) sent by his accountant 's assistant XXXX XXXX ( XXXX ) and then transfer some of the money to his nephews and his friends via XXXX ( XXXX ; XXXX XXXX ; XXXX XXXX ) and to keep the rest. However, one of the checks finally bounced, finally got the guy on the phone ( and he sounded unfortunately not like what the guy would sound like on instagram ; e.g., sounded XXXX and the XXXX was a XXXX  guy ). We were texting for about four days and his situation sounded legitimate, he wanted to help pay one of my bills, in exchange for me texting him and giving him " companionship '' and I mentioned as long as it's just friends, I'm happy to help. He made excuses like, oh I'm going through someone stealing my identity so that's why I can't make the transfers myself and my back has been reported so that's why your check bounced, but when I finally said that I'd be reporting his number and emails and account to the authorities, he said " Ok '' and blocked me on XXXX. I've attached the checks they sent and one of the back ( the back was all the same ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Credit Card closed my Account without any notification nn the XXXX of XXXX. I had paid my account balance down from XXXX to a Balance of {$190.00} on the XXXX of XXXX. I had made payments on time and the balance report after closing my account is inaccurate and as a result dropped my credit Score by a total of 50 points. 

My Credit Report is still showing a balance of {$450.00} rather than {$190.00} which as a result drastically Increased my overall credit Usuage to 154 %. 

I contacted the Bank to accurately report the right information and, Advisor said its the Credit agencies job to report ...

I would like Capital One Credit Card to report the right Information has this has significantly impacted my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Monthly maintenance fee of {$12.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Financial Corporation of America
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There are some serious issues with this doctor and her billing practices. My son was born with a XXXX XXXX and the hospital called her in to diagnose the XXXX they heard from his XXXX XXXX. The day that I got home from the hospital, her office calls me asking for my billing information. I declined giving this over the phone and instructed them to deal with the hospital to get this information. Why would you call a patient with a XXXX  XXXX  old baby who was just diagnosed the day before with a XXXX   XXXX XXXX XXXX? Months go by, the hospital has billed the insurance over $ 20-40K. So Im thinking all of this has been handled. Wrong. In the summer  of XX/XX/XXXX, letters begin coming from XXXX XXXX XXXX Office with a {$1500.00} bill. I call them to advise that we had insurance and gave all the information to them for the bill to be taken care of. The person who I spoke with advised that it would probably have to be written off, because they can not bill the insurance after 90 days. The whole time, they are thinking that we didnt have insurance. The office had already turned the account over to collections at that time. I called the collections company numerous times to be removed from the calls and mailers. Even did a two-way call with the insurance company and the collections company to no avail. Now, I have to go through the hassle, after my son had XXXX XXXX XXXX in XX/XX/XXXX, and a year later XXXX XXXX XXXX Office has turned this over to a new collections agency. Needless to say, Ill be writing to Virginias attorney general, the XXXX XXXX Virginia Hospital and the CFPB to advise them of these questionable business practices. A new collections agency called me in XX/XX/XXXXsupervisor who I spoke with was XXXX who was very rude. Three-way call with the XXXX XXXX XXXX XXXX who advised that XXXX Office never billed them. Additionally, XXXX lied and gave the office address to XXXX XXXX, instead of XXXX, to make it seem that we were out of network. I think their attempt to for us to pay this bill, which XXXX XXXX XXXX XXXX has recorded as {$1500.00} on the first call we had with them in XX/XX/XXXX, and now the bill has increased to over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have purchased a new home. We still are paying the mortgage on our previous ( first ) home. We are trying to owner-finance a sale of the first house. However, the title company asked we receive a letter of permission from the lein holder, Carrington Mortgage. On XX/XX/XXXX, I contacted them by phone to ask for this letter. They sounded confused as to what I was asking. They asked that I fax a letter requesting the permission to their Research department. I had my agent fax that letter the same day, XX/XX/XXXX. 

I phoned back on XX/XX/XXXX and the representative claimed that the fax receipt was not in the system, and if it is not there, they can not help with any further information. When I asked whether she could contact the department and verify, I was told she has no way to contact them, and I should wait until the 20 - 30 allotted business days were up. 

We have yet to receive any information or response to the letter or phone calls. As of last week, XX/XX/XXXX, their customer support system was having technical difficulties and the office was closed.

Company response to consumer: Closed with explanation