BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-19
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I paid off through s company about XXXX to an XXXX XXXX XXXX  debt collector They said if I paid the lump some around tax time (XX/XX/XXXX/XX/XX/XXXX ) that the debt would be cleared and that they wouldnt be going after me ... .. 

A year later XX/XX/XXXX I tried to open an account and they said ( XXXX XXXX XXXX ) that I still owe about XXXX $ How is that if I paid their collectors XXXX in XX/XX/XXXX and was promised that the debt would be cleared?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX  is fraudulently reporting a 20 plus year old account as if it is new. 

I disputed this account with XXXX XXXX  in XXXX and it is not valid. They sent it to collection in XXXX. I have had no communication with them since XXXX. In their response to my last dispute with Experian they falsely claimed that the account was current in XXXX at which point there was a late payment. Again this is a blatant lie I have had no communication with them since XXXX. In fact this item naturally expired from my Experian report in XXXX or XXXX to the best of my recollection. 

I have made repeated calls to Experian and they refuse to correct this. They are accepting the lie told to them by XXXXXXXX XXXX and telling me that I HAVE TO PROVIDE PROOF. As I said my last communication with XXXXXXXX XXXX was more than 25 year ago! Obviously I don't have those records any longer. 

Also : In my last dispute of Experian to the CFPB ( XXXX ) Experian replied thusly : " This complaint meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar narrative in the attachments or it has the same and/or similar narrative as 20 plus other complaints within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization. I am XXXX XXXX XXXX, an individual consumer. I am using a single email address, XXXX. This is my personal email address. As far as their claim of a similar narrative, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar complaints.

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 2019-01-09
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've had my loan through Navient for many years now and now my loan is higher than when I stared mainly due to forebearance. Interest accrued while on forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I owed {$350000.00} on my mortgage. I paid the loan off during the month of XXXX through my online portal. My interest was XXXX monthly and it took {$370000.00} to pay off the loan. By my calculations I overpaid Bank of America {$18000.00}. I have made 5 phone calls and spent almost 10 hours on the phone trying to resolve this with them and I feel I am getting ignored. Today alone I have been disconnected 3 times and no one would call me back. They sent me the escrow account balance one day with no closing statements of any kind. That was {$6900.00}. I had no prepayment penalties. Any help in making them be more proactive with this situation would be greatly appreciated. How many other people has this happened to that don't know to be proactive?

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
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: TN
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 contacted Equifax numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my house and closed my loan on XX/XX/21. At that time, the property taxes were paid through escrow. When I received my escrow account refund, it was short by {$4400.00} because Shellpoint paid the property taxes on XX/XX/21 after the loan was closed. I have made numerous attempts to resolve the issue with Shellpoint and get the rest of my money back, but they are running me in circles. They will not make contact with XXXX XXXX XXXX XXXX to authorize the over payment be sent directly to me. They will not update me on the status of my request to receive my over payment, and whenever I call, they tell me my request is in process and I have to be patient. I have wasted hours trying to get the refund of my escrow account, and have made no progress whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Bread Financial Holdings, 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:
XXXX XXXX will call before or on the due date and demand payment. If you do n't make payment over the phone they report a late payment. This happened in XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CHARLES SCHWAB CORPORATION, THE
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or around XX/XX/2021 I made a purchase with XXXX XXXX my phone was malfunctioning and the charge was made multiple times I called the bank to verify the charge and was asked security measures Wich where satisfied I was told I would be able to access my account and I keep going through the same series of verification and security measures and I still don't have access to account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I sent money through chase QuickPay using XXXX for a XXXX XXXX.I transferred XXXX dollars to the seller using the phone number he gave me.I received the bottle a couple of days later and checked it to see if it was authentic and realized it was fake.I filed a dispute with chase on XX/XX/XXXX and after 10 days they said they tried to take back the money from the sellers account but was unsuccessful so chase said that was all they could do for me because I initiated the transaction so basically XXXX and Chase make it easier for scammers because both deny liability and both are not willing to help at all and scammers know this and take advantage.There has been many stories of people losing money using XXXX and banks do nothing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX I received an alert from the 3 Credit Bureaus advising that my Capital One Auto loan is 30 days past due. This is incorrect and I want it removed ASAP. Ive had my car since XX/XX/XXXX and never been late. This information thats being reported on my credit report is incorrect. Im very upset and frustrated because my score has dropped tremendously from this incorrect information. I contact Capital One Auto on XX/XX/XXXX and a representative stated that she would dispute it. I have documentation that my car payment has never been 30 days past due and my account doesnt show that Ive ever been 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have issues with Wells Fargo in the past and I never liked the XXXX XXXX XXXX sold my mortgage to them years ago. I never trust Wells Fargo. I never had issues with XXXX XXXX XXXX even though there has been some talk about them. If I could I would like XXXX XXXX XXXX take care of my Mortgage or if Wells Fargo has been cheating on my Mortgage I want my Mortgage Closed. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   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 2019-07-11
Company: BANK OF HAWAII CORPORATION
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, Reference ( ALLEGED ) Judgement # XXXX XXXX I owned a vacation rental property in the state of Hawaii, Island of XXXX of which Bank of Hawaii foreclosed and sold at the courthouse steps 3 years ago of which was represented to me as payment in full. To my surprise, the bank is now threatening to collect an " ALLEGED '' Deficiency Judgement -- - 4 years later in the amount of {$310000.00} I WAS NEVER CONTACTED BY BANK OF HAWAII AFTER THE FORECLOSED SALE! 

I request the CFPB to investigate this matter as I have NO record of any past " LEGAL Advance Notifications '' from the bank, inclusive, of a full accounting of how the foreclosed sales overages were legally applied at the time of foreclosure. Further, I request proof/verification if the bank was ever reimbursed for any perceived losses via ( LOAN LOSS RESERVE FUND )??? 

I request the Bank Of Hawaii to forward to me ALL appraisals that were by law ( LEGALLY ) required prior to the foreclosed sale to ensure proper credit back to the debtor was not an issue. 

With Regard to the ALLEGED Deficiency amount of {$310000.00}, please disclose exactly how the Bank intends to apply this amount???? Please provide a full accounting of the intended applications. 

I request CFPB to ask Bank Of Hawaii to disclose the Name of the Banks FULL TIME in House Fully Compliant Attorney, inclusive, of the attorneys " up to date licensing & certifications ''. Additionally, was the Banks Loan Officer fully compliant at the time of issuance of the original mortgage committal. Please provide me with a copy of the Original Loan Commitment To Fund.

Please disclose who the Banks Full Time Compliance Officer Is and if the banks compliance officer is fully up to date on ALL current licences & certifications??

Please issue the ( Original Mortgage Document ), inclusive, of ALL Proper Disclosures.

Lastly, please disclose as to whether the Bank had any advance knowledge of any potential ( CONFLICTS OF INTEREST ) with regard to the buyer of my property at the time of the foreclosure???

Please respond ASAP to this -- - ongoing process.

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX JEWELERS XXXX 15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt And they need to show COURT PROOF

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 2019-01-19
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Barclays reported an account to the credit bureaus and has been contacting me about this debt they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX XXXX or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I am requesting just this or I will be forced to take legal action against Barclays at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified documents well as a copy of the document itself and the response I received from Barclays regarding this account on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.

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 2021-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been trying to work with my mortgage to get a loan modification but after speaking with XXXX from the underwriting team she advised I did not qualify for a modification because my hardship started in XX/XX/2020 and not XX/XX/2020. Why does she get to decide when a customer happens to lose his home. Just because my hardship didn't start in XXXX does not mean I was not affected by this pandemic. I lost my part time job and I am on fixed income now. She needs a reality check that people are still loosing jobs months after because business and people are still being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: BARCLAYS BANK DELAWARE
State: SC
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:
I was victimized by a moving company who charged my XXXX from Barclay Bank for {$8200.00} which was never authorized by me or my wife. I timely reported this fraud/dispute. Barclay then granted my dispute, then denied it and lastly denied it claiming I had not timely filed it. The allegation that my claim was not timely filed is false. I filed over the phone within minutes of discovering the fraud and in writing within 60 days. I would like the charge to be put back on my account plus interest and any other relief. Barclay 's advertises that fraudulent charges will not be paid. Plus, I informed them not to pay it BEFORE, they actually paid it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX and XXXX I received alerts that my Fico scores had dropped almost XXXX points due to a debt collector XXXX Common Wealth Financial Systems ) reporting I owe them for an outdated debt. XXXX ) The alleged debt is past the statue of limitations. XXXX XXXX The alleged debt is past the legal reporting date. XXXX ) They never validated the outdated alleged debt. XXXX XXXX They maliciously reported it to the 3 credit reporting agencies expeditiously as a way to extort money even though they are aware that the debt is outdated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My son lost his job and got behind in a payment.  He paid partial payments and attempted to get caught up.  He also called the company and requested a couple month deferment until he got back on his feet.  They told him not our problem "get it from your co-signer".I don't believe there was ever a time that it became over 1 month behind (it may have gone to 2 months but not more)  A monthly payment is $XXXX so there was never a balance higher than $XXXX  plus late fees.They called me a couple of times at work and while I was driving.  I was annoyed that they would harass me over $XXXX dollars and told them so also told them that my son requested a short deferment.  The person that I spoke with in XX/XX/XXXX advised he should have been given that option and was very understanding and apologetic.  The only person I ever dealt with that was.The loan did get 2 months behind in XX/XX/XXXX.  Everytime he would try to get caught up it would never be the total amount so it kept adding up.I was in shock that they would be harassing us so relentlessly for a little over $100 and told them so.  Before getting caught up they reported it to the credit bureau against my name and have damaged my credit score.  I was never advised that they were going to to do that.  I have worked hard for over 30+ years to obtain and keep an outstanding credit score and without the lease bit of notice/threat that they were going to do it, they have caused me irreparable harm.I am extremely dismayed to find out that they can so callously do this kind of damage for such a small amount of money and see that they have been fined for this exact kind of issue in the past.

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ive called and contacted all of the following consumers informing them that the following inquires in my Transunion credit report are unauthorized and not mine as Im not in the market for a vehicle, refinance, or any other product that requires financing terms. I would like them removed. 
XXXX XXXXXXXXXXXX XXXX XXXXt XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2019, Kohls put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from Kohl 's told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It just popped up on the other credit bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation