BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit score on credit karma, I noticed I had a debt owed to XXXX XXXX XXXX XXXX reported on XX/XX/2020 as debt owed for {$520.00}. I have never stepped foot in this location, I had to XXXX the place and found its located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. When opening the reviews of this location I realized all the negative reviews from people experiencing the exact same situation with this business charging them a medical debt when they have never stepped foot in that location. I feel extremely unsafe that they somehow got a hold of my information and were able to make damage to my credit and I have never stepped foot in that location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by TransUnion. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make TransUnion stop victimizing me. I 'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2022-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BANK OF AMERICA; PXXXX XXXX XXXX XXXX FL  XXXX
XXXX XXXX

BANK OF AMERICA CLOSED MY ACCOUNT WITH NO EXPLANATION, I RECENTLY LOOKED INTO MY XXXX XXXX AND SEEN THAT THEY HAVE FRAUD LISTED ON MHY ACCOUNT.

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 2020-01-09
Company: Experian Information Solutions Inc.
State: MI
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:
Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine. 
2. This account is not mine and was never opened by me. 
3. This account has been sold with no proof it belongs to me. 
4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there. 
5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : XXXX, letter head XXXX XXXX   XXXX XXXX. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.

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 2017-07-23
Company: EQUIFAX, INC.
State: TX
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:
Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of Equifax, XXXX and XXXX. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. Equifax XXXX and XXXX XXXX I am XXXX Lifetime and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize Fields verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. Experian does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and Experian is not available to assist. Can you help me with my compliant against Experian and 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 2020-01-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2017-07-20
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I made a complaint against Ocwen Loan Servicing regarding they 're servicing of my loan. There was no resolution to the problem. I hired a lawyer ( {$6000.00} ) in XXXX that said I had a strong case against Ocwen and agreed to sue Ocwen on my behalf. In the end for {$6000.00} the only thing he 'd done was to stop the sale of the house temporarily and get another loan modification. Which after the modification trial period wanted me to agree to a {$30000.00} FHA loan and agree not to sue Ocwen. I did not agree. Ocwen kept me in a state of foreclosure since XXXX. Every month in XXXX I kept recieving delinquency notices. I called Ocwen to make sure the money was being received and was told yes it was being recieved. Then in XX/XX/XXXX, I was told I was so for delinquent they would n't take payments any longer. That 's when I contacted CFPB. There was no resolve to the problem at that time and that 's when I hired XXXX XXXX. In XXXX after I 'd not accepted the offer for the modification my home went back on the court docket for sale. I then hired another lawyer, XXXX XXXX, bankrupcy lawyer, to avoid the sale of my house. I am currently under a chapter XXXX bankrupcy in order to save my house. After years of trying to get information regarding what I actually owe on my home I still do n't have any clear document stating what is owed or what all the fees and fines are for and monthly late fees. Nothing! I have entered into this bankrupcy just to save my home. I have spent {$10000.00} to save my home and Ocwen has not been held accountable for any of what they 're responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern : Ever since I opened ( XX/XX/XXXX ) this Capital One Quicksilver Credit Card Account and being unaware and charged with some overburdening Fees/Charges associated with this type of credit card offer, I have been miserable with having to maintain this account ( ending in XXXX ). I was only financially able to finally pay off the entire credit card balance ( {$3100.00} ) on XX/XX/XXXX. 

On XX/XX/XXXX, I learn that I was charged another XXXX XXXX XXXX : {$25.00}. Again, this account was closed ( supposed to be completely Closed ) as of XX/XX/XXXX. I asked the representative at time off closing this account what is the Total/Full Balance/amount owed to Capital One associated with this account and it was two thousand nine hundred sixty two and sixty seven cents. I paid that {$2900.00} amount. 

As of XX/XX/XXXX and also discussed in a conversation with a Capital One representative, supervisor ( XXXX in XXXX, Florida ), my referenced account accrued interest ( {$25.00} ) for a billing cycle from XX/XX/XXXX - XX/XX/XXXX. I fully paid this account off and all matters ( fees, charges, balances ) involving this account up to and including on XX/XX/XXXX. 

In reference to Capital One, there is simply no way to explain nor justify charging a so called Customer any fees, charges, after an Account was " officially '' Closed except to strong arm, unethically abuse your ( Capital One ) financial abilities against the consumer. 

I would appreciate the CFPB to have Capital One reverse/eliminate this {$25.00} charge and once and for all close the referenced account. Thank you all for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
this is to piggy back on my claim XXXX They never got back to me. So why is this case closed? They gave me false information which I contested and after contesting it the claim closed without a response. And recently my loan interest went up again 3 % without my knowledge. I still have not been getting responses in the mail as I requested. When I asked if I can refinance they told me that I can, which is false ... they dont do refinancing, their " refinancing '' is interest only payments. At no time do they lower the interest rate. And they are not forthcoming that this is " interest only ''. I found out it was " interest only '' after asking a series of questions and asking what my new interest rate will be. They said it doesnt change and I would be paying interest only. Well, that is not refinancing. So I told them no, dont do that, I would never get the loans paid off all they would continue to make money off of me ... So they lied to me about lowering my interest. So recently I have been paying more on my student loans, as I would like to pay down the principle. And so their way of making more money off of me ( since I have been paying down the principle they are charging less interest ) is to increase my interest by 3 % on some of the loans ... So my increased payments mean nothing as now I am being charged more for interest. This is beyond bad business practice and does not have the lenders best interest in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps trying to call me multiple times a day and has called my landlord, Friends and family in attempt to reach me. 

This is harassment and needs to stop. I Do not have a NAVIENT loan! this was settled already. i filled a police report about this back in XXXX. 

Im currently in talks about suing Navient for an attempt of debt collection on a debt i dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage server Shellpoint mortgage refused to remove fraudulent added fees added to the end of our mortgage. {$1600.00} in additional fees were added to our account with only around {$2000.00} remaining. They gave us several stories that they were attorney fees but couldn't provide evidence of where an attorney was ever used concerning our mortgage. 
The mortgage changed companies several time in the last the last year. Ditech was the last company before Shellpoint. I feel this was a way to tack on additional fees to make the loan profitable for them buying loan papers so late in the mortgage. This company also refuses to send over my Cancellation of Security Deed. Georgia  Law requires they have this be filed with the Court Clerk in my County 60 days after we paid off the loan. I paid the additional fees plus the mortgage balance to get it out of Shellpoint hands because they threaten to foreclose if they were not paid the fees. I talked to other mortgage holders and they said Shellpoint did their mortgage the same way. Added additional fees on the tail end of the mortgage. Basically because its the only way for them to make money on a loan where all the interest has been paid. I'm seeking my {$1600.00} in fees refunded and the {$500.00} in damages Georgia Law requires because the Deed Satisfaction was not provided 60 days from the date of pay off to be recorded with the Superior Clerk of XXXX  County Georgia.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been in touch with Equifax multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Late fee

Complaint:
I was charged a late fee by JcPenney MasterCard even though paid more than the required minimum payment of {$98.00} during the XX/XX/XXXX/XX/XX/XXXX billing cycle. 
The fee was credited but only after speaking with XXXX customer sservice reps and was then told I would still be required to paythe XXXX minimum payment of {$180.00} to satisfy my obligationon or before the next months payment due date of XXXX XXXX. 
This is highly unfair as : 1-My minimum payment for the previous momonth was satisfied and 2-I paid more than the required minimumpayment and 3-JcPenney believed my point to be valid asevidenced by the removal of the {$35.00} late fee to my account. 
I have written a letter to JcPenney about my dissatisfactionwith this incident, which I believe to be deceitful and unfair totheir credit customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Dyck-O'Neal, Inc.
State: VA
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:
In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with XXXX XXXX. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and XXXX XXXX transferred the loan to XXXX. In XXXX I was contacted by Dyck ONeal and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Even with the income-based repayment option, the payments are through the roof. They only take your pre-deduction income amount. I live in Illinois where the taxes are sky high and Insurance costs are the same. I lose about half of my check to deductions. I wish they would care enough to take this into consideration. Why base a payment repayment plan on a dollar amount that is n't the actual dollar amount you have as income. This company does not care about the individuals who are struggling to make ends meet. They only care about getting as much out of you monthly as they can until you pay off the loan or die. Knowing what I know now, I would have never even went to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Greetings, I was trying to get money from my account. My stylist was trying to cash a check I gave him and he was not able to do so. Sun Trust Bank called me. I did not get the call, my ringer was off. I called my stylist and he informed me that the bank would not cash my check. I have had several problems with Sun Trust as I am used to banking at a credit union and the bank has fees and poor communication about the rules. I have had financial problems. However, in this case my balance was more than 50k on XXXX XXXX, 2017. I go into the XXXX Sun Trust and give the teller my federal id and an expired NC license with a current bank card. The teller does not accept my ids so I go to a desk and empty my purse to locate my license and the bank manager gets upset and tells me to leave. I remain calm and try to locate my license, I do. The bank manager tells me to get out of his bank. I call the police. The police mediates. I explain to the bank manager that I am checking everything he is doing against another bank and he stops the transaction. I want him at the least written up and at the most fired!

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 2015-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This Complaint involves Fifth Third Mortgage Company. My name is XXXX XXXX, and I am married to XXXX XXXX, and we lived at XXXX XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX suffered from XXXX, and I had an XXXX which prohibited XXXX from entering the house. Fifth Third foreclosed on the house and did not notify me. Then Fifth Third evicted me from the house. During the mortgage foreclosure proceeding, Fifth Third knew that I was married to XXXX and that I was living in the house. Because of Fifth Third, I have no home to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not receive any notification about my letters for them nor results from the information I have disputed.

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