BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2021, I applied with Network Capital financing Corp. for refinancing my property at XXXX XXXX XXXX XXXX, Ca. XXXX. 
After submitting all necessary applications, documentation, and tax returns, I was approved. This loan was then bought by XXXXXXXX XXXX XXXX XXXXXX/XX/2021. I continued to make my monthly payments according to the loan agreement. 
Last month, the loan went back to Network Capital Funding Corp. I was instructed to make payments to them, which I have been doing since. 
A few months ago, Network Capital contacted me and wanted more financial documentation, such as personal and business 2021 tax returns. I was reluctant and confused about the reason for this request, but I complied and sent the tax returns. 
During the last month, I have been contacted on multiple occasions by different people from Network Capital, insisting that I need to refinance again because they got audited by the government, and because they failed to follow certain guidelines, the loan was kicked back to them.

I was told that the property would be foreclosed if I didn't agree with refinancing.

I have submitted all necessary documentation for this loan. If Network Capital fails to abide by the government 's guidelines, it is their problem .it seems they want to refinance with a higher interest rate, so the loan is more profitable.

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 2022-11-14
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is the unable to provide certification and official documents to validate accuracy to the US XXXX XXXX XXXX XXXX XXXXXXXX shows on my Public Records from XXXX and XXXX credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is XXXX XXXX accurate on there file. Multiple individuals, under my name shows on records, and Lexis Nexis or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My account has been in force since XX/XX/XXXX till suddenly closed on XX/XX/XXXX by Bank of America. On XX/XX/XXXX, B/A informed me that my home equity line of credit is scheduled to end on XX/XX/XXXX. XXXX XXXX, B/A Home Eq department stated via phone that this is in error, as the terms of the agreement were to be for 15 years, and could not end till XXXX. 

B/A Home Equity Supervisor XXXX on XX/XX/XXXX, or XX/XX/XXXX stated by phone she could not understand why I could not have access to my account before XX/XX/XXXX, so filed for review, # XXXX, and told me I would hear within 3 business days. It is now past 5 days.

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 2022-11-14
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: Personal information incorrect

Complaint:
My only name I go by is XXXX XXXX, the Consumer Reporting Agency has it listed as XXXX XXXX XXXX, I would like this updated. I also have several inquiries that I did not authorize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a fraudulent collection twice on my XXXX XXXX credit report on XX/XX/22 from XXXX XXXX - original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX They do not physically answer calls & there are no other options to even speak with someone unless you are paying with a credit card. I have spotless credit & this is a scam. I've had the same phone number for the last 13 years. Please help me get them to remove this from my credit report. 

Thanks so much, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Big Picture Loans, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was offered a loan amount of {$750.00} from Big Picture Loans and was approved and was told that the finance charge was going to be {$260.00}. Yes, a bit steep but It was XXXX time and I missed out on a week 's pay so I agreed to this. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$6100.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I also saw online that they filed bankruptcy back in XXXX so how can they be lending out funds with illegal interest rates 2 months later?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Bank of American Mortgage Loan which I secured in XXXX for property, XXXX XXXX XXXX XXXX, XXXX GA. Since, XXXX Bank of American removed the Mortgage Payment History regarding this Mortgage from my Credit File. I have contacted BOA on several occasions and requested their assistance with placing my payment history for this particular mortgage BACK TO MY CREDIT FILE. 
Attached you will find a copy of a current Mortgage Statement for payment for this Mortgage along with a recent copy of my XXXX Credit Report which still reflect NO REPORTING of my Mortgage and/or Mortgage History from BOA which I disputed with XXXX. 
It would be much appreciated if CFPB can assist me with getting BOA to come into COMPLIANCE WITH the FAIR CREDIT REPORT ACT!

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 2021-07-06
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : AMER FST FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CH XXXX TRUSTEE ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline

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 2016-03-14
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
This is Big Picture loans AKA XXXX XXXX. This Lender is ripping me off my loan was for XXXX, with scheduled amounts to be withdrawn. First they never told me the payments are interest only and second my last two payments have been more than the scheduled amounts. I have emailed them several times about the payments and all they say is the first 5 was interest only and then XXXX extra to reduce the loan. But to pay it off today it is XXXX plus the interest. I got this loan XXXX XXXX. I have found out since they are charging me 911.1925 %, I never saw this nor was I told all of this before getting this loan. As it stands now I will never pay this off because the payments they have scheduled are interest only. I have had payday loans before with another company and the payments I made included interest and money going to principal so the loan would pay off after the number of payments had been made. This company is a scamming people and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a collection letter from Collection Services of Athens stating that I owed a past-due bill of {$360.00} from Athens XXXX XXXX for XXXX rendered on XX/XX/XXXX ( XXXX  Account Number XXXX ). Upon calling Collection Services of Athens on XX/XX/XXXX to inquire about the nature of the bill, I was informed that I owed an additional {$780.00} for services rendered on XX/XX/XXXX to XXXX XXXX XXXX Athens ( XXXX  Account Number XXXX ). I had not received any prior communication from any of these XXXX entities prior to this and it seems to me this is grossly unfair being as I'm on a fixed income. When I asked why nobody had contacted me prior to XX/XX/XXXX, they responded by saying letters were returned, phone calls not answered and they weren't in the habit of leaving voicemails. Although I did move from XXXX GA to XXXX GA in XXXX, I did put in an official change of address with XXXX. As far as the XXXX bill goes, I was at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA until XX/XX/XXXX. So there's no excuse other than their incompetence for me not receiving XXXX # XXXX. Insofar as bill XXXX goes no bill was sent to XXXX XXXX XXXX XXXX, GA. My phone number has been the same since XXXX, yet I have received no phone call from either of the XXXX entities. I'm not even sure what services I received or where the services were provided nor what medical insurance I was using in XXXX. In XXXX I was using a prior XXXXXXXX XXXX provider ( XXXX ) and I'm sure any right to appeal any lack of coverage has long since lapsed. Non-payment of these charges is not my fault!

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 2022-11-14
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In or about XXXX my wife and I sustained a credit breach from a Credit Bureau. Consistent with procedure we initiated a credit freeze with Agencies including Experian. Experian issued us passwords to access and turn off and on said freeze. Recently I had need to grant access to our Experian files. None of the passwords worked. Calls and letters to Experian went unanswered or met with non-responsive or inappropriate responses. On XX/XX/XXXX I sent Experian a Certified Letter. This also met with an inappropriate response which indicated that my letter was not even read. 
Experian is allowed to operate to provide a regulated public service, but fails to provide said service in an acceptable manner. As a result, I have been unable to conduct essential business and I have suffered losses. 
All of the above is documented in the Exhibits in ATTACHMENT 1.

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 2022-11-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believed that it was mistake by Paypal, My transaction in my Paypal account XXXX last XX/XX/2022 was held by Paypal. After 6 months or 180 days more Paypal was taken my money in my Paypal account. It is unfair for my side. Paypal, please return it to me. I need that amount for my emergency purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had to close bank account and I received my XXXX  money direct deposited and the bank took it because they say that I owe them money on fictitious charges that they accured on my closed account and they will not reject the payment or give me the money back on a XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26
Company: Williams & Fudge, Inc
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-11-14
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:
In XX/XX/2022 I had XXXX and was so ill. I could not work for weeks and was on XXXX. 
I contacted XXXXXXXX XXXX XXXX. I called and spoke to someone and they stated I could be on a deferment since I was on XXXX I have paperwork to prove that I was ill. 
I never received the paperwork I could not get out of bed I was so very ill. I called as soon as I was able and they stated they emailed me but I never received the email. I called again and they stated that they would mail me the paperwork. I never received anything. By the time I called and spoke to a supervisor and was told I had to pay a fee and that I would be reinstated. I made a payment that day to bring current but little did I know I was already reported twice to the credit bureau and my credit score was lowered quite a bit I have contacted XXXXXXXX XXXX BUT they are no help at all. They have the worst customer service they never help me to help get this resolved or will get a supervisor to help. I communicated as soon as I could because of my illness. THEY ASSURED me that it has been on deferred payment status but that was not true. 
I now have 2 payments reported 1 30day and 1 60day late reported I would appreciate help in this matter. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
As I approached my graduation date I called my loan provider to get assistance with consolidating my loans. The person that helped me took me through so many steps that I actually felt good about about the process and felt that the person was actually consolidating my loans. Well a year or two later I get a call saying that I owed all this money to all these different companies regarding my student loans. I explained to the person that that could not be possible because I had consolidated my loans already. The person told me that that was not the case. My loans were not consolidated and had never been consolidated. I began to feel angry and I wanted to cry. So the person on the phone began to yell at me about making a payment. When I explained that I was still trying to process that for nearly two years I thought my loans were consolidated and come to find out that they were not, I was lost for words. So I was told that I could get into some type of repayment plan for nine months and after that period I would be caught up. And my loan would come out of default. Well I participated in the repayment plan, they garnished my checks and withheld my tax refund from me for years. The student loan process is not worth the stress that people go through. Many people aspire to go to college, get a degree, and hope to become a part of society and positively impact the world. Well for many they live with worry about how they are going to make it from day to day. And then when these college graduates get married and have kids of their own they struggle with how will me child pay for college especially if I 'm still trying to pay off a large debit that I owe. I would urge people to save as much as they can to make a better future for their families. It 's much easier said than done. But do we really want our children to suffer the way many are suffering today? Something has to change. You ca n't build up hope and expectations with little kids about going to college if they wo n't be able to afford it or be able to afford to live after they have gone to college and graduated with a large debt chained to their legs. Something has to change. Build a better and brighter future, PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our home XX/XX/2022 and the payment was disbursed to PHH mortgage in the amount they stated was due. Afterwards, they changed the amount they say they are owed and still can not tell us what is owed to clear the loan. In the meantime they have strung us along with no answers and have damaged my credit reporting about a loan that had the money sent to them and we do not own.

Company response to consumer: Closed with explanation