BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: ALLY FINANCIAL INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

ALLY FINANCIAL

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 2020-05-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the coronavirus pandemic, my wife and I have lost all of our income for the foreseeable future. Therefore, it has become very difficult to make our monthly mortgage payment to XXXX XXXX PHH Mortgage Services XXXX I called them in XXXX as soon as our businesses began shutting down and spoke with a representative. I was told at the time that the only option they were offering was 3 months without payment or penalty. But on the 1st day of the 4th month, the previous 3 months payments plus the 4th month would be due. Having absolutely no income, this would be impossible. I hung up being very angry and disappointed at their offer. Around XX/XX/XXXX I received the attached letter offering the same plan : three months forbearance and a balloon payment due on the fourth month. We went ahead and paid the mortgage for the month of XXXX because we didn't really see a balloon payment as anything helpful. We also don't trust the idea of " renegotiating '' with this company at the end of three months if we were to forego paying the mortgage. What could they potentially do to us? How would we know that they would offer to attach the missed mortgage payments to the end of the loan as we believe they are supposed to do? The plan doesn't seem to be fully outlined and we are concerned. We are now dipping into our limited savings to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This account was opened through a friend of a old friend it was made without me consent. That person was friends with someone at XXXX the person who opened this account use to live with me and used my info. To continue the contract after I cancelled it months after opening it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Lobel Financial is in clear violation of the Fair Credit Reporting Act and are refusing to investigate or remove late payments that I feel are in accurate. I sent them a dispute letter and rather than perform an investigation, they sent a computer generated template letter accusing me of credit repair. I asked for them to look into two payments on XXXX 2013 and XXXX 2013. They failed to even look into it and are asking me to provide documentation. That is their job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
To who it may concern, My name is XXXX XXXX. My complaint is for Bank of America! We are trying to refinance our home for a lower interest rate but Bank of America has very uncooperative. On XXXX 2013 we got a letter from Bank of America saying that our account had been sold to XXXX XXXX Services. So all these years we having been paying XXXX XXXX XXXX and now that we are trying to refinance Bank of America says we owe them {$80000.00}. Imagine my surprise to hear that I owe Bank of America that amount of money! So I called Bank of America to get a letter saying that we owe them that money to include it on our refinance or where that amount came from. So when I made that call it took me 7 calls and 7 transfers with 7 dropped calls where they would say they were transferring me to a supervisor and they would hang up on me. Bank of America told me they could not give me a letter because I owed that amount and their collection department ca n't give me a letter either because they have nothing under my social security # or account. XXXX XXXX XXXX has no record of nothing under that amount when our account was sold to them. I was not aware that I could put a complaint against them. It has been a very frustrating process with Bank of America, rude, unprofessional and certainly not Helpful!!! We are 3 days away from losing our 3 % intrest rate due to their uncooperative behavior. If we lose it who knows if we will get our appraisal money back from 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 non-monetary relief
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Today is Saturday, XX/XX/2021. 
My current CapitalOne Credit Card Account standings are as follows for account ending in XXXX : Credit limit : {$4500.00} Balanced : - {$6300.00} Past Due : 90 Days Amount Past Due : {$490.00} Credit Used : 139 % These Numbers do not add up. 
139 % of {$4500.00} is {$6200.00}. Yet I owe {$6300.00}, which is more than my allowed ( formerly agreed upon ) limit of credit of what has apparently become 139 % of its original self. 

Furthermore, $ XXXX {$4500.00} = {$4900.00}. 

How do I owe over {$6000.00} with only {$490.00} in accrued past due amount? 

Please help me. 

My account went into collections randomly as well. My card ending in XXXX was immediately allowed its maximum credit limit to be overdrawn to 139 % of its allowance after being filed into collections conveniently timed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and when I saw a collection from Second Round LP it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. It 's been over 30 days and no response. What do I do? XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have sent four certified letters to XXXX  - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX  is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # 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 2020-05-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have a line of credit with Wells Fargo to finance a home improvement. The line of credit was set up interest free as long as we made the min payment. Wells Fargo set up the account and the min payment amount and when doing so we were told that the min payment amount was set to ensure timely payment of the entire debt. Our outstanding balance at the end of XX/XX/2020 was just over {$14000.00}. In XXXX XXXX added almost {$10000.00} in interest payments to the account. When we followed up with XXXX they said that the line of credit was interest free for only 15 months and if we didn't pay in full by the end of the 15 month period then we were subjected to back interest. Not only was this not what we were told when the account was opened there was no notice in the XXXX statement that this interest payment was going to happen in XXXX. We are disputing this with XXXX but getting the run around. In the mean time they are still charging us interest on not only the original balance but the $ XXXX in interest charges as well.

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 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of america has no legal standing to collect my mortgage payments. There was an assignment of mortgage done years after the merger with bank of america and countrywide and the assignment of mortgage appears to be fraud to me. The assignor portion was left blank and so was the address. And the XXXX employee who signed it were employees of bank of america. Furthermore, countrywide was never assigned to hold mortgage. Bank of America has been collecting my mortgage when they are not the holder or hold the mortgage. I attached the attachment of mortgage and written letter I am sending to Bank of America today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello, This is XXXX XXXX formerly of XXXX XXXX XXXX XXXX Maryland XXXX We had a home that was serviced by Ocwen. 
I have requested many times about funds that are available to us. 
Ocwen sent us an email also about the funds. 
We are getting Ghosted by Ocwen lawyers and there response is we are harassing Ocwen. 
Yes Ocwen has responded many times with a blank statement but no communication on how much the funds are. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: DE
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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

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 2020-05-08
Company: Experian Information Solutions 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:
XXXX was sold to XXXX XXXX XXXX should only have 1 account reported and XXXX XXXX XXXX has been satisfied

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 2018-05-29
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. 

Now they are requesting Identity Theft Victim complaint information from me. 
They want me to send them 6 pages of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW

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 2016-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Below is an excerpt of a letter I sent to Bank of America on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my BOA checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Good morning CFPB, I wanted to add to my file case # XXXX. I wanted to also state that they have miscalculated my income to expenses, Bank of America has denied me on the programs Hardest Hit Fund/Bank of America 's loan Capitalization program. I have my application completed as showing {$7300.00}. B of A is showing {$6300.00}. Now of all these programs out there I can not believe that none can qualify us for a new a Loan Modification. Ok thanks for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient 's collection service XXXX called me at work claiming to be XXXX XXXX, a medical health Case working service that I use to support indigent people. I am furious that they are calling me at work, something they are not allowed to do and that they impersonated a care service that I use professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.

Company response to consumer: Closed with explanation