BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: AZ
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:
Hello, my name is XXXX XXXX, I had a Wells Fargo credit card Acct # XXXX. This is a card that my parents has opened for me 10 years ago, and was the only item on my credit that was helping my score stay positive. Unfortunately when I changed my address on the card about a few months ago, the card was randomly closed because Wells Fargo said the account was fraudulent. Even though there was nothing indicating that it was fraudulent. I am hoping this can get resolved. I have escalated this to the highest department at Wells Fargo, but since the COVID-19, I haven't been able to get a hold of anybody. I have a child and this is hindering my ability to do anything for him. I now have ZERO credit. : (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Credit Karma, LLC
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:
credit karma and XXXX, XXXX states to CFPB XXXX  not reporting but Credit Karma is stating XXXX is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that credit karma by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX  XXXX /

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: KEYCORP
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX or XXXX after my two loans were transferred to KeyBank I  called to set up payments. I arranged to make a XXXX XXXX monthly payment on each of the two loans and that payments would start the beginning of the month after following month. I then received in the mail an invoice that had a due date for the following month. I called and was told that what I was told on the phone about when the payments would start was a " mistake. '' I then started getting invoices but realized that I was only be invoiced for one of the two loans. So I started sending in a {$150.00} payment with the statement to cover both loans, But as the uploaded document shows, KeyBank was only credited one of the two accounts. So essentially I was never billed for one of the two accounts. And then at some point KeyBank stopped sending any bills/statements to me. I had no address where to send any payments ( the uploaded document I just  happened to stumble upon recently buried in a folder with other documents ) so I just stopped payments. And then I heard nothing from KeyBank for over two years. Then I get a letter asking me to call. Because I had an experience of being told things by phone that turned out not to be  true, I communicated in writing twice, with offers of lump sum payments to settle both debts. I never got acknowledge from KeyBank that I had ever communicated with them, just generic " please call '' letters. Then I get a letter saying I am in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/XXXX We were victims of a fraud in which a person sold us a rental home and there was no home rental home. He/She/They advertised an item they did not have. 
XX/XX/XXXX Immediately phoned Capital One and they stated they would take care of it. 
XX/XX/XXXX Received a letter stating Notification that goods were as described and received in good condition. 
XX/XX/XXXX Called Capital One and advised the goods were most certainly not received as described and received in good condition and was told of the information that would be needed to resolve XX/XX/XXXX Sent via upload information to Capital One that was requested XX/XX/XXXX Capital One denied dispute saying we did not provide the appropriate information XX/XX/XXXX Called Capital One again to ask what we to send. Was given detailed instruction, which we followed to get the appropriate information. 
XX/XX/XXXX Capital One denied dispute again saying we did not provide the appropriate information XX/XX/XXXX Called again and this time was told by " XXXX '' that they don't resolve disputes that involve transfer payments. I asked why was asked to send all the information if there was never any intention of supporting the dispute. Asked to speak to XXXX 's superior and XXXX reported he did not have one. Asked again, why were told the day before to call back if we were denied again and Capital One would advocate for us. XXXX states there is nothing he can do and there is nothing more we can do to fight this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This issue began in the fall of XX/XX/XXXX. My brother and I retained an attorney to draft Trust, Will, and Power of Attorney documents. At this time, the attorney could not find proof of who held the mortgage to my brother 's home. All searches pointed to no mortgage being on this particular address. My brother and I then had a new title search done. Again, no mortgage showed up! We then met with another attorney who ran a search through XXXX XXXX. Again, no mortgage showed up. I contacted Mr. Cooper/Nationstar, the company we are making a mortgage payment to each month. They explained that they had taken over this mortgage XX/XX/XXXX from XXXX. I contacted XXXX and have documentation that the mortgage payments were up to date before the change occurred. 
Now, we are trying to get proof from Mr. Cooper that they hold the mortgage. We would like to possibly refiance the home, but we can not get proof of the mortgage holder. I contacted XXXX XXXX last week, and they could not find any mortgage. I then contacted Mr. Cooper again, who stated that they would have their special department from this area email me the information requested. It never happened! Last week I spoke with XXXX XXXX from Mr. Cooper, who again requested the information because she could NOT find the mortgage holding in their system. I was instead sent the information that showed up on our title search! XXXX XXXX can be reached at XXXX to explain that no documents are appearing under Mr. Cooper to show they hold the mortgage. At this time, we are unable to refiance and get away from this company. We also feel we should hold future payments until we are sure as to what is happening. We would appreciate any help or advice you could give at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: WA
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 want the CFPB to continue its investigation on the 2017 Equifax data breach affecting nearly every American who uses and has ever used credit in this country, as well as many non-Americans abroad.

For the CFPB to announce that they are not going to continue their investigation is unconscionable. American tax dollars are funding this agency specifically to look into these kinds of issues and the agency needs to continue the investigation into wrongdoing on Equifax 's behavior that caused the information to have been leaked, and their potential criminal behavior especially from their CEO/CFO 's in between the time they learned of the hack and the time it was announced to the public, and since. 

Specifically, the illegal selling of stock market shares after learning of the attack and before making the public announcement. 

Specifically, the extremely long time between learning of the attack and the public announcement. 

Specifically, the attempt by Equifax to try to shirk their liability in an insincere and deceptive way by sneaking it into an agreement by accepting their offering of credit monitoring services. 

The CFPB needs to do their job here and those at Equifax need to be looked into, and those responsible for the mishandlings of personal data need to be held accountable for their actions. I'm calling on the CFPB to continue their investigation fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I re-enrolled into university to earn a XXXX XXXX degree and started my XXXX  XX/XX/2019. I waited to make a payment for XXXX because my school was working on reporting my enrollment and thus my deferment paper work had not been sent. After my enrollment was confirmed and my deferment eligibility was confirmed I received notification via email that my bill was past due. I contacted them on the phone and let them know that yes my deferment paperwork was received and would post on XX/XX/XXXX that was the end of the conversation. 

On XX/XX/XXXX I got an email saying that my deferment was denied. No other details so I called them to inquire. I called up and automatically they were telling me my account was past due and was I calling to make a payment. I said no I had questions about my deferment. They then transfer me. After being on hold I get a second person that answers and says that my account is past due and would I like to make a payment. Again I had to say no, I'm calling about why my deferment was denied. They explain that all my loans already are past the allowed amount of time for deferment. No one any point in time informed me by mail, email, or telephone call to tell me my loans no longer qualified for deferment due to enrollment. I ended the conversation. 

I had to wait for my husband to get paid to make the payment. In the 10 days since having that conversation with this company I have received on average 10 calls a day attempting to collect on the bill. Every single hour, for 10 hours, they call me. In the past I called and asked them to stop calling me and they said their was nothing they can do to push back the calls. This is harassment. Calling me every 45 minutes is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: The Barton Law Group, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX Firm and XXXX claim that they attempted to notify me and my ex-husband of the debt. However, when we/I received notice on XX/XX/XXXX, the information was addressed to Mr. XXXX and me to his address in separate letters. My address hasn't been the same as my ex-husband 's since XXXX. Once we received the information we attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX firm XXXX. On XX/XX/XXXX, I finally spoke with a representative from both businesses. XXXX XXXX from XXXX and XXXX from XXXX XXXX acknowledge, " We do not return calls. '' I was asked to present proof that one of the alleged debts was paid. I did so on XX/XX/XXXX. On XX/XX/XXXX, we were served to appear in court. The Sheriff didn't take the time to search my current address and my papers were given to my ex-husband ( what if we weren't on speaking terms XXXX. On XX/XX/XXXX, we appeared in court. I share with the Honorable XXXX XXXX XXXX that the information Mr. XXXX XXXX had wasn't correct and she interrupted me stating, " This is not the time to discuss this. We have a lot more cases on the XXXX XXXX docket. '' Mr. XXXX XXXX asked me if I had the correct information. He stated, " I will forward you the information ''. At this writing, I nor Mr. XXXX have received any. We spoke with XXXX at Mr. XXXX 's office requested a payment coupon to pay the claimed debt. Again we were told that XXXX XXXX firm doesn't send a payment coupon or correspondence. Also, XXXX stated, " This judge is aware that we do not return calls or send out payment coupons or any correspondence regarding the debt. So do you want to make the full payment today? '' We were advised to call on XX/XX/XXXX, four days before our next court hearing to pay the debt in full. After XXXX XXXX receives the payment they will notify the courts and mail separate statements to Mr. XXXX and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have sent in several dispute letters to Experian credit bureau asking for the late payments to be verified thats reporting on XXXX XXXX XXXX and XXXX accounts. Each time the bureau says that the creditors verified that the information is indeed accurate. Again, I sent a recent dispute to Experian asking to be mailed the correspondence from the creditors. I asked for the name of the person who verified the late payments, the persons title, the persons contact information, and the method in which the creditors verified. I have attached the letter that I received from the bureau in response to my asking of the method of verification. Experian states on the back of the letter that they will not reinvestigate the account unless I send in new information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I currently have an account with Bank of America, on XX/XX/2019 through their mobile banking app someone with the name of XXXX XXXX was able to hack this app and send 4 unauthorized transactions through XXXX. Within these 4 unauthorized transactions {$650.00} was stolen out of my account and Bank of America has told me it is my fault as to why my account was able to be hacked. I filed a claim and it was declined.

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 2020-05-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. 

I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not te be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.

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 2020-05-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Company has not removed late fees, when I have not been late on my mortgage. They have charged me late fees for XXXX, when I have given statements to them from my bank showing I was never late in making a payment. I have continued to have problems with this company, with corporate fees and other charges that they have never shown I owe, nor will they remove the fees. Tell this company this is their last chance to correct the error or I will be forced to file litigation. Time is now of the essence and this needs to be resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018. I was victim of a fraudulent transaction. I was under the impression I was protected by my bank. That wasnt the case. I had lost {$370.00} through Chase QuickPay and I immediately contacted my bank to file a claim. I was provided a temporary credit however, the case was dismissed and money was removed. I was told I was held liable and nothing can be done. I was given the run around to contact different departments and no assistance. 

You would think that with the bank having the recipients information they can make a case about it being fraud but no one was able to help. Bank can not be trusted to help and protected customers who have been loyal to them for more than 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Chek Cash, 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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly call 7days a week all day and night XXXX balance I informed them I had been sick.

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 2020-05-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
I entered into a COVID-19 Forbearance Plan with my mortgage servicer, Bayview Loan Servicing LLC. A copy of the Forbearance Agreement is attached. The agreement was entered on XX/XX/XXXX. The agreement states that it covers payments for the months of XXXX, XXXX, and XXXX of 2020. Representatives at Bayview have confirmed to me that payment for XXXX, XXXX, and XXXX did not have to be made and there will be no late fees and the credit report will continue to show as current. 

On XX/XX/XXXX, Bayview reported my account to the credit bureaus as 30 days late for the month of XXXX. They also charged me a late fee and continue to show my account as past due. On XX/XX/XXXX I called Bayview again and was connected with XXXX XXXX XXXX with their escalations department. XXXX reviewed the account and told me that I was 100 % protected with the forbearance agreement. I copy of the email communication with XXXX is also attached. On XX/XX/XXXX Bayview reported my account as 30 days past due for the month of XXXX. Now I have XXXX and XXXX showing as 30 days past due. Both months of which are covered by the Forbearance Agreement. 

I am including a copy of my credit report to show both late-payments and the past due status. Just to be clear, I was not 30 days past due at the time of the agreement or the month prior to the agreement. 

I am currently in the process of obtaining necessary financing and this incorrect reporting is seriously jeopardizing that possibility.

Company response to consumer: Closed with explanation