BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We received noticed that our Wells Fargo Home Equity Account, which has been closed for basically two years now by Wells Fargo, was due a credit as a result of case # XXXX. Again, that account has been closed for about two years and we have not received the funds stated in the notice. However, we have received a XXXX tax form for the amount we were supposed to receive. What Wells Fargo seemingly considers trivial money matters to people like us ; I 'm tired of having to fight this bank to get them to do what they are supposed to do. When we waited as we were asked to hear back from them on how they could " help '' us, we were informed that, because of the waiting time period, we 'd incurred more massive fees and penalties ; it seems a little unfair that, when they 've waited to pay what they owe us, we do n't have the same power.

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 2015-07-02
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing , LLC is XXXX of the worst companies I 've ever dealt with. After being assured that I was approved for a loan modification, Green Tree kept requesting the same documents over and over. I submitted at least a XXXX packets of the same exact documents, only to be told they were never received, at which time they started foreclosure proceedings. 

They also harassed and threatened me many, many times on the phone, sometimes up to XXXX phone calls per day, often swearing at me over the phone. They also contacted my family members by phone and threatened them, as well, giving these XXXX parties information on my Green Tree debt. 

I thought XXXX XXXX XXXX customer service was bad, but when my mortgage was sold to Green Tree, I learned that their practices and customer service are XXXX times worse. My account representative, XXXX XXXX ( XXXX, ext XXXX ) was not only disrespectful and harassing, but she would not give me the information I needed, including the amount due on my mortgage. She also hung up on me many times. 

XXXX XXXX also insisted that my AUTO insurance was part of my escrow balance. I knew this was n't true and called my auto insurance company to confirm. When I called the office of XXXX XXXX, president of Green Tree Service, LLC ( XXXX ), I was given an amount due to bring my account current. I called again to confirm that the amount was correct and was given a different figure. They then insisted on transferring me to XXXX XXXX, who again, would not give me any info or payment options to bring the account current. 

I 've dealt with other Green Tree representatives, as well, and both XXXX XXXX and others noted that nonpayment of my mortgage could result in arrest or imprisonment. Green Tree pressured me to use a payment system known as XXXX, a pay-by-phone service that charges {$12.00}, even though other payment options were available to me. 

The level of incompetence of Green Tree representatives is shocking, and I hope that steps are being taken to make this situation right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with various requirements to receive a {$200.00} cash back promotion. I satisfied the requirements and after XXXX phone calls and XXXX visits to the branch over the course of more than a month the reward has not been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Continental Finance Company, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Re : Continental Finance Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX represented by : XXXX XXXX XXXX XXXX  XXXX - XXXX in XXXX and XXXX, XXXX server Today, XXXX XX/XX/XXXX around XXXX, I received a call from XXXX XXXX, and XXXX left a very harsh XXXX XXXX saying she was a process XXXX  and I would need to sign for papers being sent to my house for a civil legal matter and that I have been notified of legal action against me. When I called the XXXX return number she listed, and to reference a File number, I reached XXXX in the XXXX XXXX, however thats not how the phone was answered. She said " Litigation '', no name, no company name, no ID number, etc, and I said I was left a XXXX for a File # ... .. and had no idea or knowledge of what this was in reference too. 
XXXX confirmed my identity and last XXXX of XXXX, and said that they represent their client XXXX XXXX ( of XXXX XXXX XXXX ), and that a credit card debt in my name has been sent to them to pursue for a civil lawsuit against me for a balance of over $ XXXX of the suit. HOWEVER ... XXXX HAVE NEVER HAD, NOR EVER APPLIED FOR ANY XXXX XXXX OR ANY OTHER CREDIT CARD WITH THAT COMPANY. I kept trying to ask questions to get more information about this " alleged '' credit card debt of mine, that was apparently opened in XXXX, and sent to collections in XXXX, however I have not received any calls, letters, mail, emails etc prior to today regarding this issue. When I asked for proof of documentation, and stated that this debt is not mine and must be fraud, XXXX then proceeded to state that she will notate my dispute and I will be sent a summons to appear in court on a future date, and I could request all the documentation or account info at that discovery hearing, and then said Good luck to you and hung up on me while I was still talking. I immediately called back, got her back on the phone and stated that she abruptly hung up on me when I was trying to gather any info about this " alleged '' account/lawsuit that I've been threatened with, without being given any additional info. I was hung up on again. Filed XXXX FTC, 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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America processed my check from XXXX for XXXX benefits, according to XXXX, and then BofA claimed that they had never received the payment. BofA wrote that they would cancel my XXXX coverage in a letter dated XX/XX/XXXX. BofA stated on the phone today ( XXXX ) that they could not track my check. They asked me to pay them again through their site- XXXX XXXX XXXX  and to call XXXX to get XXXX refund. 
I spoke with XXXX. XXXX sent proof of payment on XXXX XXXX XXXX, and stated that BofA had my funds ( {$1600.00} ). 
The reference for the transaction is XXXX, I was told. 
We filed a fraud claim at XXXX. I was told that the claim number was XXXX by XXXX XXXX. 

Thank you. 

Regards, 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 2021-12-14
Company: EQUIFAX, INC.
State: WI
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Ascent Holding Co
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I applied for a student loan through Ascent 's website on Sunday, XX/XX/2022, after thoroughly researching private student loan interest rates on many sites. Ascent advertises they offer a 3.27 % Fixed APR for credit-worthy borrowers. Upon applying, I was prompted to add a cosigner due to my lack of sufficient income. I had my mom added as the cosigner. After she completed her application, I was pre-qualified and I could choose a loan product to see my individual rate. I went through and chose the options that would yield me the lowest fixed interest rate. To my surprise, the lowest offered to me was over 9 %. Mine and my cosigner 's XXXX scores are XXXX and XXXX Credit scores over 800 are generally considered well-qualified and credit-worthy. On Friday, XX/XX/XXXX, my cosigner called Ascent to ask what would qualify someone for a lower interest rate, or just anything closer to the advertised 3.27 %. The representative could not provide much information. I proceeded to call and spoke with two representatives. They both could not tell me what would qualify someone for the low rates being advertised, but that it depends on credit and debt-to-income ratio, and other factors. I requested a call back with more detail on what the tiers are for rate increases on qualifications. Within a couple hours, I received a call back stating the interest rate is solely dependent on credit ( not debt-to-income or other factors ) and only a score of exactly XXXX would qualify for the advertised 3.27 % fixed rate. He proceeded to tell me they have plenty of borrowers that qualify for the advertised low APR. So I did some research. Approximately 1.6 % of Americans have a perfect XXXX score of XXXX. Approximately 8 % of outstanding student loan debt is from private lenders. Of that 8 %, only 11 % is graduate loans. ( Keep in mind, we are talking about the XXXX loan specific rate, not XXXX ). Ascent is not the biggest private student loan lender. If you do the math, they are advertising a rate that *most likely* no applicant qualifies for. Only 1.6 % of the entire population has a perfect XXXX score. Of that 1.6 %, how many are applying for a graduate student loan through Ascent? I understand that I do not have an XXXX score, but I and my cosigner do have excellent scores of XXXX and XXXX. Those credit scores should not constitute an almost-triple APR of that advertised. They are actually offering me a rate closer to the highest APR offer than the lowest. The advertisement is clearly misleading and does not contain any disclaimer that " credit-worthy '' means an XXXX ( literally perfect ) credit score only and without it, your rate will be astronomically higher, even if you are credit-worthy and considered to have excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I experienced unauthorized withdrawals on my ATM card on a Bank of America account. It happened twice : ( XXXX ) unauthorized withdrawal of {$980.00} on XX/XX/XXXX ; ( XXXX ) unauthorized withdrawal of {$760.00} on XX/XX/XXXX. The total unauthorized withdrawal was {$1700.00}. I noticed my bank account was locked on XX/XX/XXXX when I tried to use my ATM card. I received a new ATM card on XX/XX/XXXX and I found there were XXXX unauthorized withdrawals on XX/XX/XXXX and XX/XX/XXXX respectively. I was staying home and I did not use the ATM card in the XXXX days. I kept my ATM card and I did not release my pass code information to any other person. I filed a claim to Bank of America and I was issued a claim number : XXXX. On XX/XX/XXXX, I also filed a claim to XXXX XXXX Police Departement and I was issued a case number : XXXX. The contact phone number of XXXX is XXXX. I have provided all my identity information to Bank of America and XXXX. During the past XXXX year, I have contacted Bank of America multiple times on this subject. However, I still have not received any compensation from the Bank of America. I am perplexed by the following facts : ( 1 ) My ATM withdrawal was limited to {$900.00} on a day. How could Bank of America allow an unauthorized withdrawal of {$980.00} on XX/XX/XXXX? ( 2 ) It seems to me Bank of America noticed potential frauds after the XXXX withdrawals on XX/XX/XXXX and XX/XX/XXXX. Bank of America locked my account shortly after the XXXX withdrawals. They were certainly frauds. Why Bank of America does not compensate me on the unauthorized withdrawals after they were confirmed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Credit card
Issue: Other

Complaint:
To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible. 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Consumer Portfolio Services, Inc.
State: GA
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:
On my XXXX  Credit Report, I'm showing a vehicle load I never applied for the person. Received car and financing terms in my name and my credit report was locked at the time this was placed on my credit and I couldn't receive debt due to being in a bankruptcy that was filed. 

Company Name Consumer Portfolio Services Address : XXXX  XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX I have contacted them several times on monthly basis from XXXX XXXX present but still have not received any information from company or return phone, and paperwork on vehicle. They placed a charge off on my account and did not verify any information upon opening or closing the account. 

This needs to be removed ASAP. 

Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Regional : Managers reached out to XXXX, XXXX, XXXX I also have an issue with an apartment complex XXXX XXXX XXXX. I never rented an apartment from this company and I have email XXXX XXXX regional manager on  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Portfolio recovery calls multiple times every day 7 days a week.

This is harassment and a misdemeanor in my state.

I don't even have ANY debt in collections, they are calling for someone else. 
I once told them and they said they'd take my phone number off ( that was years ago ) and the scum company continue to call me daily!! 
I want it stopped.I plan to file a complaint with the PA AG office and possibly file a civil tort too!!! 
I am a XXXX  citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My Federal Perkins Loan was transferred to Heartland ECSI a while ago. I managed to miss a payment at one point, and in addition to the late fee ( totaling a fourth of my monthly payment ) placed on my account, I was charged another {$2.00} for their automatic call system to tell me the payment was late. Nowhere on their website do they list late fees or call fees, and the only place I heard mention of phone call fees was information presented via a computer-generated voice while I was on hold with their customer service after I had already incurred the late, automated call fee. There is a serious lack of transparency from Heartland ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: ID
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: IL
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:
I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXXas shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
The problem is that the collections account is listed as LVNV and I received notification from XXXX XXXX called LVNV they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I co-signed for this car for my dad and he got sick I tried to sell it but it had to much work that needed to be done to it so I called them and told them to come pick the car up. My dad passed away and it was costing more to keep the car I tried for months to sell it. they sold the car and it had a {$1200.00} balance but on my credit report it has {$4900.00}. balance on my credit report and its wrong and it needs to come off this account has been sold to 2 collection agencies. Every call get from them the price goes up every time they sell this account. i was told the car was sold in a auction

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 2023-02-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ. Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: ME
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Experian credit score is XXXX and my XXXX and XXXX scores are approximately XXXX. I have not been given a reason for this discrepancy, but under inquiries XXXX XXXX XXXX there are reports dated : XX/XX/21, XX/XX/21 and XXXX. I contacted Experian to file a dispute, but both claims came back resolved with no change in number or inquiries. I have also contacted XXXX XXXX XXXX, but because I do not have an active card they can not resolve this internally. I am now writing because I have been denied for several credit cards and loans this year because they are pulling from Experian. This is actively hurting my ability to build credit, and also purchase basic needs after a loss of income due to COVID. I would like Experian audited and an investigation into their reporting practices because I believe they are inflating inquiries in a deliberate attempt to harm low income individuals like myself.

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 2015-04-23
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am beginning to receive calls at my current place of employment for a home that foreclosed while I was married. In my divorce the judge ordered my husband responsible for ALL marital debt. This was a marital debt and he is responsible per the XXXX County Courts, 3 years ago! The calls have just started coming and they are very persistent! What am I to do. You can not drain blood from a turnip. I am a single mother of XXXX and care for my XXXX mother. Please help make it stop!

Company response to consumer: Closed with explanation