BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Describe what happened so we can understand the issue ... 
Santander Bank Mail Code:XXXX XXXX. XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX XXXX XXXX and XXXX XXXX XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX XXXX XXXX from XXXX, XXXX, XXXX XXXX XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

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
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this " trial '' period I could only make payments in the amount due even though I offered to pay more, even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan, only the amount due each month. Even though my loan was approved, the bank then submitted a delinquent notice to the credit agencies. In turn my credit rating quickly dropped from XXXX XXXX very good XXXX to XXXX XXXX fair ). I have responded to all bank requirements regarding this loan in order to avoid any negative credit reporting. The bank did not advise me that upon loan extension approval that I would be reported as delinquent. The bank misrepresented the consequence of the loan extension and unfairly and unjustly damaged my credit rating. I feel that consumers need to be protected against such improper banking practices. Full transparency must be a requirement. I request that the Bank of America be required to fully disclose their delinquent and unfair handling of my account so that I can restore my very good credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
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: Account status incorrect

Complaint:
Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!

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 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.

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 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX  XX/XX/XXXX Capital One sent email stating my vehicle has been assigned for repossession. For the past year have been requesting debt validation in writing. SEC information report to have balance reflect. In XXXX the vehicle was {$13000.00} and today {$9800.00} which I have no clear indication on HOW finance charges are calculated daily. To no avail. I submitted an accept for value offer which they did NOT return. There is no lawful money HJR 192 GAAP and UCC 3-603. Asked for statement of account according to UCC 9-210. I NEVER saw Capital One or ANY of its associated representatives pass ANY money. My contract says XXXX XXXX. The only transaction I saw was my vehicle ( security interest ) and my check ( security interest ) and my signature ( security interest ). As a consumer I am more than justified in demanding proof of claim. I receive daily calls and threats from rude beligerent people and they hang up when I mentioned that it is against the law to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Capio Partners, LLC
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am in debt to Navient, or XXXX XXXX - not sure how everything works. Anyways, my XXXX 4 years ago and I submitted paperwork through the Navient site to have my loans dismissed. I guess I got some of my loans dismissed, but others were still active? 

The loan serviced has been ringing me off the hook for months and XXXX me around just as long. 

When they called a few months back and I explained I should have everything dismissed due to XXXX they said that the paperwork I filled out was only for a specific set of loans and not the ones they were calling about. 

I asked them where I could find the paperwork to print out for the remaining loans and they said, " You ca n't print those out, we need to send them to you. '' Alright - cool, that was literally months ago. I 've spoken to them twice since but basically refuse to pick the phone up because of their sharkish practices of calling me at all hours of the day and night. Who calls past XXXX or XXXX - honestly? 

The loan provider somehow is incapable of getting me the necessary paperwork to fill out for my XXXX, but are perfectly capable of getting repayment reminders to my mailbox. 

I 'm at my wits end - I do n't know what to do to try and deal with these crooks. 

Oh, yea, Navient - I know you 're having the pants sued off you as we speak. 

I do n't know if this is the proper channel to go through to try to find some help, but I really hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Colony Brands, 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:
An account was compromised by a collection agency that came to serve papers to collect for an account that was sent to them by XXXX. The Collector asked me about my personal information wrote it down and corrected it and added it to an account that was a family member with the same or similar name that also was present at the time. He decided not to serve the papers because of the mix-up of information. Years later, I noticed that the account was added to my credit file for non-payment. I have tried to dispute this with the company for years. They will not delete it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoked to the Manager of the Quiet Water Apartments in XX/XX/XXXX before my new lease renewal, that I am going to buy a house, so the Manager told me do n't worry XXXX " you have been paying your rent on time we will take care of you '' I was living there since XX/XX/XXXX. 
He told me most of the time the apartments are rent out in week or two, I said no problem I will pay the 2 weeks rent. 
I moved out from there. 
They did not sent me any bill by mail or called me, neither the collection company sent me any letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX has shut off all automated payment systems for its expired XXXX based cards. This means XXXX people will have late payments that they can then charge late fees and interest on. This was done without prior warning. I want XXXX XXXX to be penalized for any extra fees and interest they try to charge and for XXXX XXXX to be prevented from filing credit complaints or collecting late charges and interest on these account. In regards to questions below, I have tried contacting the company, but the systems are shutting out all XXXX card holders.

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 2021-08-27
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified on XX/XX/2021 of 2 fraudulent applications using my name and social security number. The first one was a XXXX XXXX XXXX credit card the second one was. XXXX credit card managed by Barclays Delaware Bank. I was able to call both companies and report the fraud as well as have both applications stopped before they were fully processed. I have put credit freezes on all 3 credit bureaus as well as putting a fraud alert on them.

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 2021-08-27
Company: EQUIFAX, INC.
State: NC
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:
Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

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 2021-08-27
Company: Elite Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/21 Elite Financial Services , Inc called my ex-husband and discussed my debt with him based only off of his assurance that he was my spouse. 

This was not a debt he was connected to and I had not given the company permission to speak with him on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan care purchased our loan but does not except electronic payment. They only accept loans by mail that are paid up to six days late accumulating six days worth of interest each month. My prior servicer excepted electronic bill pay and the payments were made at the beginning of each month on the first. If they are going to except or purchase a debt they should be required to maintain the previous servicers practices.

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 2022-03-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In mid XXXX I went to put gas but my card was declined, thought maybe it was froze because I used it out of town a couple days prior. Go online to review my account and I can not log in, so I call the number on the back of the card and no one answers. This same problem has been going on for nearly a month now with no resolution in site besides some canned answers from a XXXX bot. This is going to effect my credit score which I have working hard to improve. This is all with Bread Financial and Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is saying I have not paid them for 22 months. I have bank statements to prove I have. I have charged them for my accounting services. Even though I have sent my bank statements, they still say I haven't paid. Since the last fax of bank statements, they are saying they can't read the statements. Other times they said they never received them. I want to sue them for this negligence. They are claiming I owe them 20k. This is 20k of money I gave them that they are stealing from me. They want me to sign a loan modification for another 30 years and add on about 20k.

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 2015-10-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
- In XXXX XXXX applied for loan modification of single family home. Loan was originated in XXXX XXXX and is now with Ocwen- This request was denied. Received a letter dated XXXX/XXXX/XXXX saying that they did not provide an appeal period for the denial, and wanted to provide an opportunity to do so. Paperwork was sent as requested in XXXX of XXXX. 
- Receipt of this paperwork was acknowledged in XXXX on our online account- All acknowledgements of receipt of paperwork sent have been erased from the account as of XXXX XXXX, XXXX. 
- This is the case despite multiple requests for various pieces of paperwork during the initial process and lengthy processing times. All requested items were submitted, and copies of these documents have been retained. 
- Interest rate and payment continues to go up. It is currently at 6.35 percent.

Company response to consumer: Closed with explanation