BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the BANK OF AMERICA Account # - XXXX. 

XX/XX/XXXX - BANK OF AMERICA Account # - XXXX was deleted from my XXXX credit file. However, that account was not removed from my XXXX   credit file. Filed several disputes with XXXX but they did not remove the fraudulent BANK OF AMERICA account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted BANK OF AMERICA to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from XXXX saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from XXXX credit report agency since the information was corrected at XXXX but it is still wrong with XXXX. I believe that both BANK OF AMERICA and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, 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 2018-12-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from XXXX XXXX ID # XXXX on ThursdayXX/XX/2019 while I was at work. He stated he was from AmeriSave Mortgage Corp and could help me refinance my home for a low rate. I had asked what is a 30 year fixed at this time. XXXX asked a few questions and then stated he could lock me in at 4 %. I let him know I was interested and would call him when I got home from work. I did go home and we spoke again. XXXX seemed to promise me a lot and how no one could beat their rates as they are a direct lender. XXXX stated I needed to go forward in order to lock that rate in. XXXX mentioned same thing while I was at work. He repeated that many times making me feel I would miss an opportunity if I didn't proceed. I mentioned I needed to confirm with my fianc and he stated I could fill out and schedule an appraisal. If we decided not to move forward we didn't have to. I moved forward with the info he had told me feeling like I could back out anytime. I was told it was a XXXX deposit for the appraisal. I was under duress as he kept stating no one could get rates that low and if I didn't act I could lose that rate. What brought up the red flag was how persistent he was being. He wanted to schedule the appraisal the next day. I told him I had to work. He asked could my fianc. I said she had to work. He then asked can you leave at lunchtime or can anyone else meet them. I started getting nervous and Said I would let him know but we are not doing the appraisal tomorrow. I conferred with my fianc and she did not want to move forward. I spoke to XXXX the very next day. Friday XX/XX/2019. I told him we were not going to move forward. Thats when he said well your going to forfeit your XXXX. I said why we didn't receive an appraisal? He said well its non refundable. I have disputed my charge with XXXX   which is my credit card that I used. Thats when they informed me of this site and I could see all the similar write ins on AmeriSave. I hope something can be done about their deceptive practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have called Navient in an effort to pay off any and all late fees. They have assured me that there are no late fees on the account, however, it is still showing on my credit report that late fees are being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received numerous computerized harassing calls to my cell phone with no indication of fraud, yet no minimum payment was due on my Home Depot card that they were calling about, I went online to try to see the issue and my account was locked. I did not have time to sit on hold with the recommended XXXX. But then they send me an e-mail letting me know I can access my account online after their cut-off time for my payment and they lowered my credit limit and charged a late fee, but now I can only make the minimum payment of double the amount. Every month I am not able to access my account near or around my due date to make the payment so they can charge a late fee. Calls show up on my phone as a potential scam.

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 2018-07-03
Company: BARCLAYS BANK DELAWARE
State: NY
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:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to apply for an account with Barclay Bank ; while the application was stopped and no account was established the inquiry was left on the client XXXX credit report XX/XX/XXXX. A formal dispute was sent to Barclay Bank fraud department, however a letter dated XX/XX/XXXX is denying the dispute stating the application was valid even though the police report named Barclay Bank in the narrative. This issue is now a violation of my clients consumer rights and violation of FCRA.

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 2020-08-25
Company: Paypal Holdings, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over one month ago, XX/XX/XXXX approximately, I requested to have my transaction detail from XXXX forward emailed to me because I have a transaction on there where I sent money to a XXXX XXXX XXXX for a puppy. I now have to produce proof that I sent these funds. 
I have made numerous phone calls and requests to PayPal and they tell me they will send me the information, but they never do. I called them again today and the customer service person in collections said he can not help me, that I need to sign on to the Paypal site. I tried that more than once and my account is locked so I am not able to get help that way. This man kept saying I owe money when I do not and I alerted them a long time ago that there was fraud on my account. 
Paypal refuses to help me to give me the details of my tranactions from XX/XX/XXXX forward. They keep giving me the runaround. This is unfair and Illegal. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: Rosebud Economic Development Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a payday loan through XXXXXXXX XXXX an online payday lender. My family and are going through a hardship we have been paying the company. Although, through Hurricane Florence we have fallen behind. the company explained to us that there is an intrest rate daily occurring on the loan. Once reviewing the loan application the intrest rate on this loan is 792.82 % which is outrageous. Can you please help .... We are willing to pay back so the XXXX we borrowed and an extra XXXX but on a XXXX loan the pay back amount is 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 2018-07-02
Company: MOHELA
State: NC
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:
I have contacted XXXX  several times because i noticed they are reporting Mohela accounts on my report that does not belong to me, When i tried to call i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone. 

My call is continued left bouncing around for hours. 

Finally after many attempts, i was told that those 4 Mohela accounts can not be dispute and they were validated. 

i did not sign or agree to any contract with Mohela, I did not Provide Mohela with my social security number, i did not provide Mohela with my private home address, i did not provide Mohela with my ID or phone number. I never provided any wet ink signature to Mohela These are the amounts. 

MOHELA {$7700.00} MOHELA {$3800.00} MOHELA {$8100.00} MOHELA {$4900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to my mother passing away on XX/XX/XXXX, and my maternal grandmother passing away on XX/XX/XXXX, I ran into financial difficulty and my private student loans that I was paying on became in default status. My mother and grandmother 's estates are being handled but I am paying out-of-pocket for some costs of both estates until things are finalized with the public administrator. I was not aware that my private student loans were in default status until I was contacted by phone in XX/XX/XXXX from the debit collection company Weltman , Weinberg & Reis Co., LPA to persuade me in getting my {$16000.00} private student loan paid off. The rep tried to help me by stating options of getting a loan from my credit union, insurance companies and any other means of paying off this loan amount. To no avail, I did not have the above amount nor could I borrow this amount of money and pay back. Several days after on Monday, XX/XX/XXXX, I had a phone interview with Ms. XXXX, certified loan officer with XXXX XXXX XXXX ( XXXX ) who stated according to the scanned copy of my private loan that I emailed that I have an option of forbearance that I can let the debit collection agency know about. Per XXXX 's advice, I also made an appointment on XX/XX/XXXX with a legal attorney, XXXX, who recommended that I send certified letters requesting a forbearance and the original contract and promissory note. The certified letters were sent on XX/XX/XXXX and on XX/XX/XXXX, I received the returned receipts signed by Ms. XXXX XXXX. Several weeks went by and I did not receive a response back regarding the forbearance. Towards the end of XXXX, I called the debit collection agency an spoke with the representative XXXX and after a round and round discussion, I finally received a point blank answer of " no ''. They did not receive the certified letter regarding the forbearance. After much frustration with this debit collection agency, I reached out again to the legal aid attorney Ms. XXXX who recommended a file a complaint. On XX/XX/XXXX the debit collection agency sent me ( 2 ) settlement letters stating they could offer me a 70 % settlement on my account. I would need to pay {$5700.00} for one loan and {$5900.00} both amounts would be due by XX/XX/XXXX. If I am requesting a forbearance for the private loans what makes this company think I could pay a 70 % settlement? Isn't that the reason why I would request a forbearance in the first place? Because I am having financial difficulty. Unbelievable. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had an outstanding debt for medical bills from XXXX Hospital and they sold my information to a debt collector and they have called my workplace several times and when I tried to return the call, it was automated and no one would ever answer. So today, they called my work again and on my break, I called back and the lady said that this was the last attempt before they would start garnishing my wages. So she made me Agree to an amount that I told her was too much and she said if I didnt give her my banking info they would take me to court and start garnishing my wages. XXXX hospital is a nonprofit organization and for them to sell my debt is outrageous. I am totally lost on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
XXXX XXXX XXXX charged my Credit Card in XX/XX/2018, {$930.00} for an Air /Hotel Package for a 3 days ppackage from XXXX to XXXX XXXX ( for myself and wife ) to travel from XXXX , N.J to XXXX XXXX from XX/XX/XXXX thru XX/XX/2018, plus {$53.00} for Travel Vacation Insurance. When my mother died on XX/XX/XXXX I contacted XXXX XXXX to change my travel dates to XXXX forXX/XX/XXXX thru XX/XX/2018 and I was assured that my Insurance Coverage was going to cover my new travel dates. However, XXXX improperly charged my American Express Credit Card for the new travel dates, with same Hotel stay another {$1000.00} plus, and credited my card only {$200.00} for the extra flight cost. Plus they credited my Credit Card {$53.00} in XX/XX/2018, for Insurance payment made to them in XX/XX/2018, in attempt to justify NOT honoring Insurance purchased on my Vacation Package. 
XXXX has since re-billed my American Express Credit Card against my challenge and they are insisting on collecting additional payment of {$930.00} for our travel and stay in early XXXX, instead of late XX/XX/2018. Their failure to honor the Vacation Insurance paid for in XX/XX/2018 is a form of deceptive and fraudulent business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I had a credit card with Capital One. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with Capital One without getting anywhere. I would like help to get Capital One to update this account with credit bureaus. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, I requested that Wells Fargo forgo the escrow account on my conventional adjustable loan as I am below 80 % of my XXXX. Wells Fargo sent me a letter two weeks later to say that it would not drop the escrow account as my original appraisal was XXXX and since my load was XXXX, it was not below 80 % XXXX. Wells Fargo used the tax appraisal completed by the county of XXXX which was not an accurate appraisal of my real estate property. I purchased the house for XXXX. Currently XXXX has an appraisal value at XXXX. I called Wells Fargo after receiving the denial of dropping the escrow account and pleaded my case. I was told that they would review again and escalate the matter. I just received my letter today XX/XX/XXXX, telling me once again that the escrow account will not be dropped and that my loan to value is more than 80 %. No calculation was provided to let me know how this percentage was obtained. This is certainly unfair practices by Wells Fargo. I can go a step further and say Wells Fargo saw fit to change my loan to one with an escrow account without my agreement. My loan has gone from {$1100.00} to now {$1600.00} per month with escrow. I am nearly 3 years out of a chapter XXXX discharge and you would think that Wells Fargo would be more lenient with its customers that are trying to get back on their feet. If I didn't know any better, I would think this Wells Fargo is trying to get me to go into foreclosure.

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 2021-04-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice of account listed for collection on XX/XX/XXXX. I responded with a letter disputing the validity of the debt ( of which I have a copy ) on XX/XX/XXXX. I never received a response from the company, any additional contact or any proof of debt, but yesterday they filed a derogatory report on my credit report. Their failure to provide proof of debt, despite my formal request and then taking adverse actions against me is a violation of the FDPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Williams & Fudge, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I changed jobs after going to XXXX school and became a XXXX at XXXX XXXX. This was a major cut in pay. My fiance left me, and a roommate moved out after my service in XXXX. This was my first home purchase and I am doing everything possible to keep from loosing it. As you can see with my attached bank records, I was paying Loan Care, the company that took over my loan from someone else, that, I was paying them everything I could to prove to them in good faith, that I was serious about keeping my house. As you can see, I was sending them money at least every two weeks and sometimes more. Things have been very hard, but I did not realize how hard until XXXX payment, which I sent LOAN CARE {$930.00}. My bank notified me 2 weeks later that LOAN CARE had rejected my payment. I did not know what for. I had not received any notification via mail from Loan Care telling me they were not accepting anything from me except the full back pay of 3 months. I called every family and friend I could to help me get on my feet again. I did not want to loose all I had. I was unable to pull up my account online with loan care as they had me LOCKED OUT. Attached is proof of the lock outs to my account. I called every number online listed and spoke to XXXX XXXX, from collections who told me I had to pay the entire amount of {$4700.00} which included late fees and mortgage payment IN ADVANCE for XXXX. My bank " electronically transmitted " this to LOANCARE on XXXX. I called Loan Care again. They knew nothing about a payment. I was transferred to collections- XXXX XXXX. I spoke to XXXX on XX/XX/XXXX ( # XXXX ) and XXXX, employee number XXXX XXXX. I don't know what to do at this point as I can not access my account and No ONE knows or has given me a straight answer as to where this {$4700.00} has disappeared. By everything I gather, because my house has a lot of equity, that all LOAN CARE wants is to take it away from me, pretending I am not PAYING. YES, I am scared. I dont know where or who to turn to that came help me. Attached is all my communications with this company, and I am sure XXXX. would provide all of my calls, concerning my communication with LoanCARE. Thank you in advance, 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 2021-09-08
Company: EQUIFAX, INC.
State: IL
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. IVE BEEN TRYING TO REACH THE BUREAUS CONCERNING MY REPORTS AND ACCOUNTS I HAD IN DISPUTE, NOTHING CHANGED AND I NEED AN UPDATE AND HELP FROM CFPB THANKS

Company response to consumer: Closed with explanation