BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2013, PHH Mortgage no longer accepted the mortgage payments and failed to produce the originating documents. Due to this, the property is now in active foreclosure and I am not the debtor, the home belonged to my late mother whom willed me the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
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:
I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. These negative accounts are preventing me from obtaining credit and obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this company

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 2022-07-18
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When purchasing my home in XXXX XXXX XXXX, I made an over payment to the escrow of {$2600.00} due to an error made by US Bank home mortgage. I received letters from the bank stating a refund check was sent for this over payment, but have never received that check. I have been assured on 4 separate occasions, in XXXX XXXX  XXXX, XXXX of XXXX, XXXX of XXXX and in XXXX of XXXX that this payment was being sent to me. The bank now claims that there is an escrow analysis and they can not send the over payment until that has completed. They also stated that on all of the other calls in which I was assured this check was sent that their representatives errors stoped it from being sent. 

Considering I have been owed this refund, and attempting to collect this payment for the last year, this would seem unethical, and not in fair dealing. 

I am not getting any interest on these funds and have been lied to or facts have been misrepresented on many occasions for the past year about this issue. I went as far as filing a complaint with USPS after assuming they ( US Bank ) had sent it again and it still wasnt delivered. Today, the representative told me they still had not re-sent the check in any of those instances, and now could not send it since the escrow analysis was pending again.

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 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX member selling puppies, its a scam. XXXX dollars were sent to the person and the person never showed up for the transaction. Didnt answer any callls or replies afterwards. I also reported it to XXXX and they said they cant do anything about or close that account because they didnt see anything wrong with it. 

Call my bank since I use XXXX to send the money I explain what happen. They said they could help me out that it was voluntary. I told them nuts its a scam. They said it didnt matter. 

Bank of America is my bank. 
Scam happen XX/XX/22 in the amount of XXXX dollars

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 2015-09-15
Company: Credit Service of Logan, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My insurance company made payment to the company and they kept telling me I was lying. They also refused to listen about my insurance making payment even when I was giving them facts and proof. Then they kept hanging up on me. They also are collecting an incorrect amount. They are collecting more then allowed with the insurance agreement adjustment. They would not let me send in proof to them to show this. When i would try and talk to them they would just put the phone down and not talk to me but I could still hear them talking in the background. I could also hear them laughing when I would ask to speak to a supervisor. Multiple times they hung up on me refusing to take proof of what I actually owed as what they had was incorrect. Then they threatened me if i did n't pay they would send it to a lawyer. Since they have sent it to a lawyer and are still trying to collect with now a judgement for more money then i owe. Also during this they had XXXX other item they were trying to collect from a different thing all together, but i was never even able to resolve that or take care of the other item because they would n't even let me take care of the first XXXX. They even said to me that fine if you wo n't pay we will take you to court. They told the lawyers that I would n't work with them and that i hung up multiple times on them refusing to take care of the debt so do not offer a settlement. This is the most unacceptable behavior ever especially because I do n't owe what they are claiming!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Credit Central Holdings, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I filed a complaint about the fixed rate account suddenly becoming a variable rate account and chase is going to double the interest rate for new purchases after XX/XX/XXXX ID # XXXX. Chase closed this without doing anything and RETALIATED AGAINST ME without abiding by the 45 days RULE of LAW and against the written 45 days notice required by law. It states transactions made BEFORE XX/XX/XXXX : The current APRs will continue to apply to these transactions. it states ALL changes take effect XX/XX/XXXX. Chase increased my intererest rate from XX/XX/XXXX intererest rate of 5.90 % APR to 6.15 % APR interest rate in XX/XX/XXXX .... PRIOR to the 45 days RULE of XX/XX/XXXX. 

Chase also RETALIATED AGAINST ME regarding my HEARING XXXX. Without ever answering my phone calls or calling me back after the first phone call to me. I kept just leaving voicemails. Then they RESTRICTED ME to WRITTEN communication only through the mail and DENIED me the ability to contact them by phone, text or email messages. The hearing XXXX rely on text and email messages and WITHOUT getting my permission at all, then they wrote saying that all future communication is only by written communication SUPPOSEDLY with my permission which I never gave at all. 

So they increased my intererest rate prior to the 45 days RULE of LAW of XX/XX/XXXX from 5.90 % to 6.15 % and restricted me without my permission to written communication only as RETALIATION for my complaint on XX/XX/XXXX. See enclosed photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/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 2020-12-07
Company: ALLY FINANCIAL INC.
State: WA
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-03-29
Company: Stellar Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i explicitly told Stellar Recovery not to contact me by phone as my collection is part of a Debt Management program and being paid monthly to them. they continued to repeatedly kept calling me daily and multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and I need help getting this removed from my name and credit report. I've attempted to contact Caine & Weiner and haven't heard back from them yet. I need this resolve ASAP. This is starting to affect my life very negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CO
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I did an international wire transfer, from my account with Bank of America to an account in XXXX XXXX XXXX ( XXXX, XXXX ) in the amount of US {$4600.00} ( + fee of US {$45.00} ) For an unknown reason, the transfer was not executed and on XX/XX/XXXX I received a partial refund of US {$4300.00} ( that is US {$240.00} less than the original amount ). 

Bank of America could not explain the difference and has not been willing to give me any details in writing on the reasons for this partial refund, though all the data for the transfer was correct. ( I had done a similar wire transfer on XX/XX/XXXX to the same account with no problem ). I talked to the manager of the local Bank of America 's agency, but he did not have any explanation that he could put in writing and refused to provide any thing in writing. 

The question is : who took the US {$240.00}? 

In addition to that, how can a bank like Bank of America have no record of what happened or be uncooperative and unwilling to provide written support? 

Is this a fraud or a theft with a cover up? Are there other customers from Bank of America who have faced the same problem? Is this an example of a perfect theft with no paper trace?

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 2015-12-01
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: AL
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 disputed the accuracy of an account reporting on Experian Consumer Report beginning XX/XX/2020 until present and Experian will not update or remove the inaccurate information which is causing me unnecessary financial hardships by the way of higher interest rates. I have called and submitted proof that what Experian is reporting is inaccurate with no positive results or removal from my consumer report.

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 2020-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone had fraudulently been making withdraws from my bank ( I'm XXXX ) account multiple times a day with my granddaughters ( she's XXXX ) ID she had lost we filed ID theft reports, we filed police reports and the woman ( rude ) woman at Wells Fargo said since her ID was used it must be her when clearly it was not I have had fraud alerts on my account for under XXXX dollars but there was not alert for multiple withdraws at multiple Wells Fargo locations especially since she had brought it to my attention because she though it was me making the withdraws. Neither of us would make a false police report or risk going to prison lying about something yet there is no resolve these were notes by a woman named XXXX XXXX Wells fargo investigator at  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 2016-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My husband purchased a car and never received a call from this company for about a year and when he did he was one day late with the payment they immediately threaten to take action and called constantly every hour on the hour when asked to not call on certain days or hours that he was at work. We have filed an insurance claim on our car due to {$800.00} in damage and the day that we left the dealership we had issues with the car they did n't want it back because it was their car. Now we 've had problems ever since. Credit Acceptance has been harassing us since we filed a claim for damage and we have to pay out of pocket for the damage to the car as well as the car payment so now they are threatening to repo it when I purchased the car it was {$7000.00} and I put nearly {$3000.00} down on the car this was XX/XX/XXXX it is now XX/XX/XXXX and I still owe over {$5300.00}. Our payments are at {$250.00} a month and my car is only worth about {$2500.00}. I do believe we were scammed out of money at one point because I remember paying a payment one time at the beginning of the month and about halfway into the month they called me saying I did n't make a payment and I paid the payment twice and they said they did not have it on record what can be done? This company has prevented me trading it in and refinancing a loan. In fact there are multiple recalls on this vehicle which is why I do not understand why the price was so high when I purchased it. The defects were still present when we purchased the car keep in mind it is XXXX Chevrolet HHR and we purchased it in XX/XX/XXXX those defects were already supposed to be fixed when we purchased the car. I really do not want this car and unfortunately neither the dealer nor credit acceptance would give me back my money for this car when I first purchased it and wanted to take it back the next week. I just want my money back and for the harassment and threats to stop.

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 2020-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I recently applied for a mortgage refinance with my bank. The bank ran my credit report with Experian. Experian then gave my info to another party who contacted me stating I pre-qualified for their mortgage products. This was all unsolicited by me. At this point, I am not sure what personal info of mine has been compromised.

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