BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My business debit card was stolen. I wasnt aware of the situation until after 2 weeks of fraudulent activities. Im not sure exactly when my debit card was taken because, I dont use the card physically. Proper procedure is, if there are any suspicious activity or fraudulent purchases, that my debit card will be locked, and I will be notified. I DID NOT RECEIVE ANY ALERTS OR PHONE CALLS. The transactions start on XX/XX/XXXX and end on XX/XX/XXXX. They consist of ATM withdrawals, ATM deposits, money order purchases and store purchases. There was Fraudulent checks deposited through the ATM machines also. A grand total of {$19000.00}. The investigation was done, and Bank of America decided to close my account because my PIN # was used. I didnt think that decision was right, considering that Ive NEVER giving out my PIN # or giving anyone permission to use it. I asked Bank of America to reopen the case. Bank of America reopened the case, did their investigation again, and came up with the same conclusion. I then asked for a copy of the report. I was told that it wasnt any physical paper work, and the decision was based off the PIN # usage. I received a letter on XX/XX/XXXX stating that my account has been CLOSED, because the transactions were authorized and posted correctly to my account. On XX/XX/XXXX Bank of America excepted a deposit of {$800.00} from a disbursement from the IRS, into a CLOSED account. The payment went towards the outstanding balance. First or all, I wasnt contacted when the transactions were taking place. I then contacted my police department to file a dispute on my transactions and a complaint against Bank of America. I proceeded to open another bank account for business and ALL of them would close after about 48 hours. Now I find out that Im listed with the Check consumer beau because of the Bank of America situation. This enables me to open an account anywhere. I was then told by XXXX XXXX XXXX to register with the Secretary of State to become a XXXX, so I could use my Tax ID # for the bank account. That account closed also. Then I went to see XXXX at XXXX XXXX. Thats when I was guided on how to handle the whole situation.

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 2017-11-27
Company: Credit Technologies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX refuses to write a letter of each of my payment is the last twelve months they are sending a activity report. All of which prove in the last day of each month a payment was made for the exception where they held a check for an entire month in XX/XX/XXXX and sent in back to me due to no account. a complaint was filed with XXXXthey removed it only to put it back on my report and they have it noted in the system. credit tech. refuses to uses common sense and read my activity that was reported. The offer demanded that it be in a certain format.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: HOME LENDING GROUP, LLC, THE
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/XXXX, through The Home Lending Group, located at XXXX XXXX XXXX, XXXX, MS XXXX, contact number XXXX. I was contacted by XXXX XXXX, contact number XXXX, regarding the fact that they were having difficulty in selling my loan to XXXX XXXX. They advised me to have modifications made to my homeowners insurance policy to meet the criteria that XXXX XXXX   required. This would increase my monthly mortgage payment by {$70.00} per month. However, once I advised them to send me that request in writing they advised me that they had been able to have XXXX XXXX  to make an exception in my case! At that point I was called by another representative and asked to make my mortgage payment that day XX/XX/XXXX because XXXX XXXX  wouldn't be able to buy the loan until I made the payment which is documented as {$740.00}. I have paid this mortgage amount for the last two months and I have received a statement from XXXX stating that my mortgage payment is now {$770.00} and will be {$780.00} monthly for XXXX. While the amounts are small I do not understand how my mortgage payment can change during the first year. Additionally, the Home Lending Group is the most unprofessional mortgage company I have had the misfortune of dealing with, the incompetence was and is astonishing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: MI
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 have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint about Mr Coopers field insperctor, XXXX XXXX, XXXX XXXX, said came to house and was VACANT SEE FORM i was in back, saw him taking pictures trash cans in front! THIS IS HARRASMENT AND LIARS!!! ( have been trying to mofify loan )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company below has been calling my cell phone and my work treating to arrest or proceed with leagal action against me. This debt is not mines nor will I pay them anything. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS 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
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : 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
Consumer complaint received 2019-09-24
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account had a balance {$57.00}. At the branch manager 's discretion an item for {$190.00} posted to my account bringing my account negative - {$130.00}. Previously with my account multiple fradulant debit card purchases were allowed to process in my account overdrafting it again at the managers discretion. While resolving the dispute at the financial center I requested that no debits of any kind post at the manager 's discretion. My wife had left with my children and I moved to an area with no cell reception. My mail was forwarded to my parents address and I assumed I had just received statements from FIB. I was then charged {$380.00} in fees and am being charged interest by the collections company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-23
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient calls my cell phone every week day at least 3 times, sometimes 4 times in a row. They have contacted family members and began calling my place off work, every day, multiple times a day. Calls start before XXXX and continued after I explicitly told them to stop calling me and my work. Last week, the front office informed me that a recoding called at XXXX giving my name and stating that they were attempting to collect my student loan debt and that I would be put in deferment if I did not respond within 48 hours. I once again contacted then to stop calling me. I 'm a XXXX and I love what I do, but it barely pays my living expenses. It took me over five years to get a XXXX job after college and now I have debt collectors harassing and humiliating me at the XXXX XXXX XXXX at. I 'm contracted year to year and can only imagine how this will effect my chances of being offered a new contract. Causing me to be unemployed is n't going to help any part of this, on my end or theirs. If I had the money to pay back my loans, I would, but I do n't, I just want them to stop harassing and humiliating me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Select Management Resources, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I filed bankruptcy last year and the debt has been discharged since around XXXX, yet the title loan comapny continue to call and threaten and send letters. My lawyer has talked to them and explained that I have filed and that the debt has been discharged, they already knew but tried to lie and say the case was closed not discharged. My lawyers office also faxed them papers ( again ) proving that they debt was discharged in the bankruptcy. They took the car, finally like they should have done months ago, but now are sending letters that I have to pay them whats left on the loan once its sold. They would n't take the car until my lawyer had to contact them, they had been trying to threaten me with a tow charge whether I dropped it off or not. The company is mid american title loans in XXXX mo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: SYNCHRONY FINANCIAL
State: IN
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:
XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.

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 2019-05-02
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several times I have reached out to Commonwealth Finance regarding this issue. During the time of this service, I was incarcerated and the XXXX XXXX of XXXX Ohio covered all medical expenses. This debt was sold to Commonwealth Finance who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX  XXXX XXXX. As a prisoner, I do not pay for any XXXX XXXX and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received notification that my credit score on XXXX and XXXX credit reports dropped 29 points! Due to a collection from Grant and Weber. This account was put on my credit report, I did not receive a notice or bill from Grant and Weber so I left them a message on their web portal asking why they put this on my credit report and received no call or response. On XX/XX/XXXX, I called Grant and Weber and was put on hold for a very long time and then got disconnected. On XX/XX/XXXX I sent Grant and Weber a letter requesting verification of debt from the original creditor. The letter was sent to them via certified mail and signed for by a person named XXXX tracking number XXXX XXXX XXXX XXXX XXXX and signed on XX/XX/XXXX.  Today is XX/XX/XXXX I have checked my credit report and the negative collection account remains on my credit reports negatively impacting my credit score. I have not received anything verifying this debt and do n't know what this is for. In my letter I asked to to verify the debt from the orginal creditor and to clean up my credit reports. I currenlty have a XXXX score with XXXX that I have worked very hard to maintain.

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 2020-02-03
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed collections for XXXX  cell phone bill a number of times it was taken off my credit report and then put back on. My husband now ex was the one that applied for the phone and then added his line to it as well. I was never aware he used my information to get the phone. What information they have is just a typed up lease which I have found blank ones online so its kind shady. This account does not belong to me it belongs to my ex husband

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian continues to lust accounts on my credit teport which ate over 7 years old. Despite several attempts to dispute these items, they still leave rhem as tgey were.

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 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My Credit report has information that is not accurate. Attached is the ledger from the bank which states my last payment on the XXXX account was in XX/XX/2014. why are they reporting anything past XX/XX/XXXX since I no longer have an account and its all paid. How can I be late on a paid account?

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 2018-03-19
Company: Diversified Consultants, Inc.
State: MI
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 have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of DCI. 
These inaccurate accounts continue to be reported and they are not mine. 

Dci Opened XX/XX/XXXX {$270.00} Original creditor : XXXX Dci Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I went online to this loan company and took out a {$500.00} loan. I started making my payments on time until I had to close the account I was using to make the payments. I contacted Bigpictureloans to let them know that I was no longer using the account and wanted to use another checking account with a different bank. I was informed that they would have to do a 3rd party call with the bank to verify that the account was open and how long it has been opened. We made the call to my bank several times but the bank refused to take to Bigpictureloans while being on the phone with me. so they told me to use my debit card or credit card to make my payment, in which I did but my bank denied it because they were using a third party transaction company out of the XXXX and my bank told me they blocked it because of potential scam being that its in the XXXX. I notified Bigpictureloans about this and they instructed me to start mailing in my payments by money orders. I had 3 payments remaining until my account was paid in full, the payments that I made by money order was posted on the website as current up to XX/XX/XXXX. On XX/XX/XXXX I mailed in a money order for XXXX on the XXXX which they should have received it on the Friday the XX/XX/XXXX like the other mailed in payment, so now my account in past due and they are saying they have not received the payment and it would take up to 7 to 10 business days to post ( the other mailed in payments didn't ) and I called them on XX/XX/XXXX to see why and then that's when they told me about the 7 to 10 days. In the meantime, I checked on the website and it said I had to pay XXXX to bring my account current, in which I mailed it on XX/XX/XXXX. Now they are saying they haven't received that money as well. I have been calling to speak to someone about this and they keep telling me not to call but wait for their support team to call me back or I will get an e-mail. I called on Saturday, XX/XX/XXXX. I haven't heard anything from them, each time I called they would put me on long holds, and they would ask me questions to make me say YES, if I didn't say yes they would just sit on the line saying they are viewing my account. I would hold for 10 minutes or so. I called today XX/XX/XXXX and they are still doing the same thing. I have one last payment on XX/XX/XXXX for XXXX but when I talked with them they told me to pay XXXX or XXXX to pay off the loan. I told them, if I pay anything I will pay my last payment agreement of XXXX not the amount I was told. I need to know should I make the last payment or not. I was doing some online investigating and I have discovered that there was a lawsuit with this company here in the state of VA and Bigpictureloans lost because its illegal to charge high interest rates. According to the website, I have paid a total of {$2000.00} in interest and principle amount of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money. 

Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX. 

When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.

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 2018-03-20
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Dear Sir/Madam, This complaint is against my mortgage number # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Arkansas XXXX After several attempts to get an explanation from my Mortgage Co. why is my mortgage going up? every 3 to 6 months ' it has gone up over {$300.00} dollars every 3 to 6 months with No  avail. I have no choice but to file this complaint, to get to the bottle of it. Every 3 to 6 months my fixed mortgage account is increasing with No explanation. I feel like I am being exploited by Arvest Mortgage. In XXXX ' I was paying {$3000.00}, okay, currently my monthly mortgage payment for XX/XX/XXXX is {$3300.00} over XXXXdollars more. 
I have talked with customer service XXXX, Manager XXXX, an supervisor XXXX got No help, was offered-no explanations given, basically I'm under the bus ' pretty obvious my account is not fixed I'm paying more then an adjustable mortgage account seriously I need some HELP ... 

Please audit my mortgage account ... 
Please follow my money .... 
Please audit my property taxes .... 
Please correctly asses my property value ... .. 

Regretfully,

Company response to consumer: Closed with explanation