BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was using the American Express Blueburd card. On XX/XX/2019, at XXXX XXXX, I got my daily balance stating I had a negative dollar balance, which I didn't realize was possible since the last place the card was used was at XXXX, where I swiped the card, and the remaining balance was removed, and I paid cash for what was left. XX/XX/2019, I received an email staring that my account had been frozen, because they reviewed my account and believe that I violated the terms and conditions, a refund check would be sent out, and if I had any further questions, I could write a letter and send it to a po box in GA. On XX/XX/2019 a refund had been issued to my account bringing my balance to {$100.00}. Every day at XXXX, I still get a balance text telling me this XXXX is in my account. When I call, the automated system tells me my account is permanently suspended, and then hangs up, and I get an email identical to the original email. I wrote a letter, and have received bo response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America Please refer to complaint XXXX previously submitted for supplement information. 


Bank of America has provided inaccurate response on payment information and has again increased my interest rate for the 4th time in one year when I have never been late and am on auto pay.

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 2019-07-23
Company: Media Collections, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During banking fraud on my XXXX XXXX checking account I discussed with XXXX XXXX XXXX customer representative that after my last payment I was no longer going to need service for the internet on XX/XX/XXXX they sent an email to discuss why I wanted to terminate my service with a survey. They agreed I was all paid in full and please send me a letter and what I need to do with the equipment. I never received the letter but my service was disconnected so I never used the system again. In XX/XX/2019 I received a letter from Joseph , Mann & Creed, a Collection Agency requesting {$78.00}. Without proper billing how do I know that is what I owe and how did XXXX XXXX XXXX arrived to that amount? I have been a customer for over 10 years and always received an email or statement.

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 2022-08-11
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
TRANSUNION : XXXX XXXX  XXXX XX/XX/2021

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 2019-04-10
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech mishandled my escrow, credit reporting, and deed in lieu process from 2006 until today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My Capital One Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Two hard inquiries have shown up on my Equifax report from XXXX XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ). Attempts to contact Equifax have been futile. 
A rep from XXXX XXXX said they would resolve the issue, but it has escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. 

Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. 

When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. 

However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.

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 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.

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 2019-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want Experian to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.

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 2019-07-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I have been an American Express Bluebird customer over seven to eight years. Never have I experienced such rudeness from their customer service department as well as a hold they are talking about for seven to ten days. I have a prepaid Visa and Master Card as soon as a return hits my card it is credited. I called Amex due to TWO returns one in the amount of {$26.00} and the other {$67.00}. This is inexcusable, I work hard and have Direct Deposit every pay period to this account. I need to get gas for next week and because American Express Bluebird rudeness, I may have to catch a ride with a friend or stay home. They can not even explain what Merchant Hold Means. I will redirect my Direct Deposit to my regular bank and cancel this card. This is horrible treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
What I remember is when I had my business in the city of XXXX on XXXX XXXX this company approach me to buy a Web site advertising and the were really pushing me to buy it. One day after many times they trying to convence me I agree to do it BUT for 6 months only!!! The were trying to convence me to do One year but I told them NO!!! 
So, they agree for 6 months. The took my checking account number and were doing withdrawals every month. Before the XX/XX/XXXX month I told them that that advertising wasnt working for me at all and I asked them to stop taking money from my checking account but they charge the XX/XX/XXXX month and I complained to them and they said that is for One year and I told the that the agreement was for 6 months. 
Then I canceled my checking account so they couldnt charge more. 
Since then I havent heard from them until now with this Collection in my credit report. 
Please understand my situation, I dont have that store anymore. 
I need your help to resolve this matter as soon as possible. It is damaging my credit and is not fair, because I act in good faith when they approach me to do business with them even Though I never had any customer related to their advertising. I believe in my heart that was going to work but never did and I paid on time for those 7 months. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX had XX/XX/XXXX {$65.00} fraud on debit card from malware XX/XX/XXXX Card Purchase XXXX XXXX XXXX IL Card XXXX XXXX XX/XX/XXXX {$38.00} XXXX XXXX both immediately permanently or be sued chase yes or no customer service is the pits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own the property and was renting it out since XX/XX/XXXX. My tenants experienced major hardships due to covid job/income loss. This issue started in XX/XX/XXXX and they were unable to catch up on the rent. They made a payment on XX/XX/XXXX, in which i applied it to the XX/XX/XXXX rent/mortgage. During that time SPS ( Select Portfolio Servicing Inc ) .the loan servicing company had the loan in a forbearance status. XX/XX/XXXX i was told by them that no further forbearance they can offer. I was very shocked that they would not offer any more assistance. I asked for a modification and was denied. They basically said to pay or they could offer me XXXX to move. Im trying to understand, how can i pay them without receiving rent.? Furthermore the Tennant 's are federally protected against evictions etc. Landlords aren't offered any protection thru this company at all. They sent me a letter dated XXXX XX/XX/XXXX stating that if i pay XXXX they would reinstate me. That amount is only good till XX/XX/XXXX then it will change and go up with legal fees and charges etc..I need a modification to help go current during theses extreme times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : Wells Fargo Loan Modification Started : XX/XX/XXXX Loan Modification Amount : {$48000.00} Please note, that although the modification started on XX/XX/XXXX, it actually took Wells Fargo, EIGHT YEARS, to reduce the balance to their written Loan Modification Amount of {$48000.00}. It was finally issued on XX/XX/XXXX. 

As such, for eight years, I paid INTEREST on approximately {$68000.00}. 

Now, while Wells Fargo has reduced the " principal '' account balance by {$19000.00}, they've never adjusted the balance for the EXCESS " interest '' paid and CONTINUE to  pay, in having a higher and incorrect account balance of {$41000.00} approximately. 

The correct balance as of today ( XX/XX/XXXX ), is {$27000.00}, with a daily periodic interest rate of {$2.00}. 

Having an incorrect account balance, is a violation of the : Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Reporting Act ( FDRA ). 

In closing, I have tried for YEARS, to get Wells Fargo Executive Management to  address this matter, .... but, they've steadfastly REFUSED. 

Hence, my complaint to CFPB.

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 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attatched XXXX  Report USAA Account XXXX reported by usaa as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See USAA Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND XXXX  DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Grain Technology, Inc.
State: IL
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:
Trygrain.com is a digital app on XXXX  that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over 50 points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XXXX OF 2017 AN CAPITAL ONE CARD WAS OPENED WITHOUT MY AUTHORIZATION. THE TOTAL AMOUNT IS FOR {$1000.00} DOLLARS. I PERSONALLY HAVE EVER OPENED AN ACCOUNT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I emailed the CEO of Navient XXXX XXXX explaining that I have two student loans that were opened through US Department of Education/Stafford Loans that came out of deferment XX/XX/XXXX totaling {$17000.00}. A representative by the name of XXXX called me from Navient and advised me that she 'd be reviewing my account on XXXX XXXX XXXX behalf. Since speaking with XXXX, my account balanced has actually increased to the tune of {$18000.00} with a 7 % interest rate as of today XX/XX/XXXX. I have a total of 15 late payments that are showing up on my credit report based on XXXX XXXX  Student repayments options that have never been verified through Navient. I also, asked XXXX about loan forgiveness or a better repayment option and she replied that the type of loan I have is not " eligible '' for loan forgiveness or a different repayment option. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the repayment options to keep the loan in deferment/forbearance. My loan repayment plan will be affective until the year of XX/XX/XXXX at that time I will be XXXX years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: AmeriCollect
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:
On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in a car and paid cash to purchase another car from Carvana on XX/XX/2019. The trade in has an outstanding loan. Carvana has not paid off the loan. I have utilized Carvana 's online chat and called multiple times. I am continuing to be charged interest on a loan for a car I do not own, and continue to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX, I filed bankruptcy. My Navient loans went into a forbearance that basically double my loans instead of being discharged. After the bankruptcy was discharged in XX/XX/XXXX, I have been trying to work with Navient to lower my payments. They have often put my loan into forbearance and I am no longer given the option for an income based repayment plan as they say I am no longer eligible. I tried to request lower payments but, because I have a cosigner, they would not work with me. I tried to have my cosigner taken off my loans but they said that it is not possible unless the cosigner dies and I have proof of it. The high cost of the loans is creating a financial crisis in my life and Navient is unwilling to work with me on lowering payments.

Company response to consumer: Closed with explanation