BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TD Bank ( backs the Target Red card ), appears to be taking advantage of consumers during this pandemic. 

Without notice, they lowered my account limit, never late, from {$2500.00} to {$1300.00} this month. 

Here is the communication to them : " It appears, without notice, my credit line was reduced, never been late. This changed my credit utilization from 46 % to 89 %, negatively impacting my credit score. I  will be filing a complaint with CFPB, there is a better way to treat customers, if you said " We want to reduce your credit limit in 90 days, to {$1300.00}, I would have paid it down to avoid a high credit utilization percentage ''. This is NOT the time to be ruining people credit rating. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage with XXXX XXXX XXXX  was sold once I requested a forbearance due to financial hardship during the COVID-19 pandemic. The mortgage was effectively purchased by XXXX XXXX XXXX  XXXX XXXX on XX/XX/2020, and subsequently contracted out for servicing by Shellpoint Mortgage Servicing. Our initial forbearance was from XXXX XXXX through XXXX XXXX an d extended by Shellpoint for an additional three months after discussing our current financial situation. We were told that we would have deferred payment options at the end of our forbearance but to try to make tax and escrow payments current to avoid any penalties from the government. 

Since our last discussion with Shellpoint, we have not been able to make payments to our escrow account, as instructed and we have not been able to speak to our representative for guidance. I have sent emails on the following dates to XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, in addition to leaving her voicemails on those dates. We have not had any response. We have been sent numerous letters detailing our repayment options, see the attached example. 

Today ( XX/XX/2020 ), I was finally able to speak to another representative who informed me that our mortgage does not qualify to have our outstanding balance deferred to the end of the loan and we would need to stay in forbearance until we can pay the whole amount owed. I asked why our mortgage was not qualified and she said it was because of their client ( XXXX XXXX XXXX   XXXX XXXX ) and she would not offer any other information. She also stated if we wanted to end our forbearance early without making any payments, we would get a negative credit rating. 

Throughout this process, we have been told that having our payments deferred was an available option for our mortgage and they would make sure this was put in place when we felt we could resume payments. This is a situation that we are in due to the sale of our mortgage and no one is being held accountable for the lack of communication and answers regarding our mortgage. We feel as we are in a terrible situation with an uninformed and unresponsive servicing company that puts us at risk of destroying our credit or losing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received an e-mail from the Wells Fargo Unauthorized Account settlement regarding the class action lawsuit. I had questions so I called the hotline. When I called and selected 6 to speak w/a customer service representative, the automated male voice stated " thank you for calling, goodbye. '' When I entered my information online, I entered my DOB and social, then proceeded to enter the catcha phrase at the bottom. However, each time I entered it I received a message stating that it was entered incorrectly. However, it was not. 

Between the end of XX/XX/XXXX to XX/XX/XXXX, a line of credit was opened in my name w/o my authorization. It was connected to my checking and saving accounts. I was charged all sorts of fees, including penalties and overdraft. This account was opened in XXXX, California. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, I had a checking and savings account. This was opened in XXXX XXXX. I was charged overdraft fees repeatedly, not once, but twice or three times for one transaction. When I went into the branch to inquire about their policy, they gave me a " stuffed animal horse '' as if that would make up for their abhorrent practices. This went on for some time before I closed my account. I also used the account for recurring payments w/companies like XXXX, and was double charged. I was not sure whether it was XXXX who was double charging me or Wells Fargo, but I haven't encountered this problem with other banks. It was only with Wells Fargo.

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 2019-03-16
Company: EQUIFAX, INC.
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:
I have contacted Equifax, XXXX and XXXX XXXX in regards to an old account with XXXX XXXX and XXXX XXXX XXXX. The XXXX XXXX account is old and should be removed from my report. The XXXX account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the XXXX XXXX XXXX. This account is at least 7 years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
I made two disputes regarding an erroneous collection on my credit report with Equifax on XX/XX/2020 and XX/XX/2020. In the recent dispute, Equifax stated that " Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. '' Yet, I gave specific information, including receipt of payment. They did not provide me with any proof from the collection agency, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, that showed their reporting was correct. 

I submitted a complaint to CFPB regarding XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, and originally was not going to submit a separate complaint regarding Equifax until I noticed what was said about information submitted was not specific. I have an excellent credit rating/score ranging from XXXX depending on the credit reporting agency and the date. I have not been delinquent on bills or had any unpaid bills for 20+ years. I definitely would have paid {$28.00}. This erroneous collection information on my credit report is negative and reduces my credit rating. I have paid the bill, given Equifax receipt of payment, and explained the situation with specific details. Upon denying my claim they also changed the report dates and the balance date to XX/XX/2020. The original report date by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should remain until they officially report otherwise. Equifax changed the date because of my dispute, not due to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting. 
Additionally, I have verified with XXXX XXXX that the account was paid and there is no dispute. I'm not sure what type of investigating Equifax did other than maybe contacting XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, who could not confirm the amount is owed when it is not due, if so they misrepresented information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Commerce Bank sent me a 1099c cancelling debt I DO NOT OWE as my account was compromised years ago and charged off at said time due to fraud someone stole my debit card and used it! I refuse and will defend it vigourusly and am not claiming this on my tax return in that it did NOT occur in 2020 but years before. Shame on Commerce Bank DO NOT use them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CFPB case XXXX Contacted XXXX XXXX XXXX prior using CFPB. I in turn got a responses from the group. They came to terms erasing my late payments and contacted me to make payments. No live communication was made, as they left a voicemail on my device while on XXXX. I am still on XXXX and gave my wife power of attorney. When contacted to try to get payment sorted out, they would not disclose information to her ; and I reached out to them, they had no idea of the repayment in their systems. We've left multiple calls to the woman who reached out to us, and have not received a live call back with information to pay. I have already been given a late payment message due to no payment. I would very much like to get synchrony bank out of my life.

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 2020-08-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Financial issued two of my credit cards, I made on time payments and early payoffs and was a great customer overall. This past year I paid my lowes card ( over XXXX balance out of XXXX ) to XXXX and also had paid off my care credit card one year prior. Synchrony then Decreased my credit limits from XXXX on my lowes card and XXXX on my care credit down to XXXX limit each. I complained and they basically told me to pound sand. Now recently they closed one of my accounts altogether. Synchrony continues practice this same story on thousands of Americans impacting their credit scores nationwide with their shady and harmful practices. I urge CFPB to investigate and take action as this lender clearly intends to do more harm to the American people than help. 

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 2021-08-12
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a certified letter dated XX/XX/2021 to Blakely-Witt Association, called XX/XX/2021 at XXXX to follow up as I had not received a response or a deletion as they have violated several of my consumer rights. Spoke to a rude rep XXXX, which he ended up hanging up on me, called again, then spoke to another rude rep, XXXX XXXX in which he was of no assistance. The letter stated that they never received any written consent from myself to report this " alleged '' debt to any consumer reporting agencies, especially XXXX XXXX & XXXX and that no consent is identity theft, attached with a copy of the law. He refused to answer my question and said that they have responded to every letter I've sent them but yet asked what the letter said as if it wasn't received. They refuse to speak respectfully and acknowledge that they violated several of my consumer rights. Proper investigation was not completed to verify the said debt pursuant to 15 usc 1681a ( e ).

Regardless, 15 usc 6802 states that " an institution may not disclose personal information to a non-affiliated 3rd party without consent '' so unless Blakely Witt can provided consent, they need to delete any alleged debt immediately.

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 2020-10-15
Company: EQUIFAX, INC.
State: CA
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:
The reply of the company was that they are investigating. 

Why my file was closed then?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have received multiple notices from https : XXXX. Informing me I have received a gift card of {$1000.00}, or a loan of up to {$3500.00}. From Bank of America. I did not give Bank of America my new cell phone number. I dont need money, or a loan.

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 2017-08-01
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Sometime on or around X/XX/17, the company called 2 of my references to collect a loan. How I found out is both references called me in regarding the call they both received from the company. The company stated to my references, " this person ca n't pay his loan, is there anyway you can get ahold of him ''. Now I understand calling my references to get in touch but where I 'm upset is that told my references personal business that should of stayed between the company and myself. I explain to the company numerous times that I lost my job to give me some more time. I will make a payment. They undertood and my story did n't change. But for them to call my references and say I ca n't pay my loan is no one else 's business. I read my contract, and it does n't say the company has the right to tell anyone my persianl sisuation.

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 2019-03-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 I received a letter, by first class mail, of a lawsuit ( that was issued on XX/XX/2019 against me ) from Entities who claim are of an Attorneys office out of XXXX, Texas. 

The letter is a copy of a Citation, that shows was signed & Notarized by the Justice Court Judge, of the County I live in, from an Entity that claim are a XXXX Attorney representing Midland Funding LLC ( an out State Company ). The XXXX Attorney address is : XXXX XXXX XXXX, XXXX, TX XXXX ; and their phone number is : XXXX ( XXXX ) XXXX-XXXX or XXXX ( XXXX ) XXXX-XXXX. XXXX see attached of the actual Lawsuit letter & the envelope I received it in ) The Plaintiffs in said Lawsuit, mentioned, are : Midland Funding LLC ( of address unknown ) & XXXX XXXX. XXXX XXXX XXXX  shown address, on the Suit, is : XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. 

They are suing me for {$2100.00} ; and they state I have 14 days from after the day I was served with these papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX LETTER OF EXPLAINATION I purchased my house in XXXX. I have had 3 Mortgage Modifications since XXXX. The 1st modification was for 2 years through XXXX XXXX XXXX XXXX ( see attached ). In XXXX, I requested a permanent modification through the investors " XXXX XXXX XXXX. '' The interest only would start at 3 % for 2 years and 3.5 % for 3 yrs. After the 3 years, PRINCIPLE AND INTEREST would be added to my monthly payments. I attempted to resolve this issue BEFORE THE 3.5 % would start in XXXX and in XXXX and thereafter the MODIFICATION would revert back to the ORIGINAL LOAN AGREEMENT. I was somewhat successful, I received a letter from XXXX XXXXXXXX XXXX date XX/XX/XXXX stating that " YOUR RATE AND PAYMENT IS SCHEDULED TO REMAIN THE SAME UNTIL THE FINAL PAYMENT DATE, WHICH IS YOUR MTURITY DATE ON XX/XX/XXXX. '' Because I was not given the correct information, I filed a complaint with XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( original letters attached ). I received the modification in XX/XX/XXXX ( documents attached ). The XXXX modification was an addendum to the XXXX modification because the XXXX modification did not state that the modification was for the life of the loan, it only stated that it would be an interest only modification for 5 years and thereafter I would have to start paying principle and interest. That is the reason I contacted the Consumer Financial Protection Bureau and the XXXX office for help. During my contact with these offices I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that my loan will remain the same until the life of the loan. In XX/XX/XXXX, Bank XXXX XXXX acct # XXXX sold my loan to Select Portfolio Servicing acct # XXXX, they forwarded the most recent modification documents but LEFT OUT THE IMPORTANT LETTER THAT STATES 3.5 % until the life of the loan ends in XX/XX/XXXX. 
I am very disappointed as I continue to get the " runaround '' or misinterpreting of documents from these banks. I spoke to Select Portfolio Servicing several times and they reassured me that they would honor the Modification. 
On XX/XX/XXXX, I received a letter ( attached ) informing me that the interest rate would be going up to 4.25 % which would make my payments go up from interest only {$770.00} ( I always send more ) to interest and principle {$1600.00} starting XX/XX/XXXX. I have spoken to them but no one has answers. Furthermore, they will not honor the letter from XXXX XXXX XXXX as it has a date of XX/XX/XXXX and the most recent modification is dated XXXX and the same verbiage as the XXXX modification. 


Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BANCO POPULAR DE PUERTO RICO
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Banco Popular XXXX Visa statement posted on XX/XX/2021 with {$140.00} annual fee. I called the customer service line and to close my account on XX/XX/2021 and the representative stated the fee still applied. I asserted there should not be a fee for a service Im not longer using when I terminated the service before the fee was due on XX/XX/XXXX. The fee has not been waived and Banco Popular is still requiring payment. On XX/XX/XXXX I paid {$140.00} annual fee and called and close the account on XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year I notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.

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 2019-03-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Debt Collectors have called me from multiple phone numbers multiple times a day. They are looking for someone whose name I don't recognize, it's not me nor is it anyone I've heard of. They won't stop calling. When I tell them I don't know the guy and to stop calling they scream at me. No matter how many numbers I block, they call. Saturdays, early morning. I don't owe any money I'm not paying and I want them to stop bothering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation