BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Acceptance Solutions Group, INC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had to do a stop payment on the first installment loan due to no money in my account. The second time the company withdrew money from my account they charged it to my debit card. I did not know or discuss with them my debit card would be used. They said this was in the contract I signed. At this time I stated I did not authorize them to withdraw funds from my account in the future. They argued with me and barely let me get a word in. I told them I would pay via check or money order, they told me this was not an allowed form of payment I stated I would get a prepaid credit card because I do not like charges to my debit card without my prior approval. They stated in order to say they are not authorized to withdraw funds from my account I had to send them a notice in writing before my next due date. I stated that I would be sure that was taken care of but my bank had told me I could verbally do it also. The " supervisor '' I spoke to told me by my next due date I needed to have a letter to them stating this and a card number for how I was going to make future payments. 

Not even 30 minutes later I went to my bank to withdraw money and it stated I had insufficient funds, when I pulled up my online banking information I realized they had withdrew the entire amount left on my loan after I had verbally told them I did not authorize withdraw to my account and they had stated I had until my next due date to give them notice in writing and give them other payment arrangements. Due to the fact it is a VISA debit my bank states they can not decline the charge. If I file fraud through my bank it will take 6-10 days to determine and my account will keep going further in the hole with overdraft charges or returned check charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My mortgage account was opened in XXXX and maintained since then. However, XXXX Mortgage is incorrectly reporting that my mortgage was included in my XXXX bankruptcy -- it was not. In fact, XXXX Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my Equifax Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: AE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was provided an offer to earn 50,000 bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. I confirmed I was enrolled and qualified for this offer on two separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.

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 2017-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX, XXXX XXXX Result : XXXX 
Dispute Reason XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

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 2021-08-10
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My husband and I are XXXX XXXX that feel our rights have been violated. Our phone seems to have someone screening our calls letting certain calls go through and stopping others from going through. Our computer does what it wants to do and not what we want. My Mortgage Company seems to be taking money and pretending I still owe it to Foreclose early on my property, They appear to be trying to rush me into early foreclosure while calling me everyday and every hour of the day/ These calls are making me sicker by the day. I am not supposed to be behind on my Mortgage, however they are demanding {$2000.00} plus dollares by XX/XX/XXXX when my payments is {$780.00}. Taxes and Insurance included. I just paid {$800.00} plus dollars almost {$900.00} XX/XX/2016 they said they are holding it but it needs to be applied to my loan to show that I am paying my Mortgage. 
XXXX XXXX XXXX XXXX has been taking my XXXX retirement check for the last 2 Months which prevents me from writing checks and now we have to purchase bank checks, We need an attornehy to come and sit down and talk with us on a one to one to let us know what our options are. I do not trust Wells Fargo Mortgage Company, XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX they have all contributed to me losing my excellent Credit rating and now we can not get credit any where in this town. We need help. ( Anonymous ) I am being told one thing and they are doing something else.

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 2017-02-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX thru Wells Fargo. I, like many other people lost my job in XXXX XXXX, XXXX. I did what I could here and there never really getting an actual full time job about a full year later. I refinancedvthe car just 6 months later thinking it would benifit me in thelong run. I was a stupid kid and got completely taken in the finance office because I was on unemployment and desperate. I did everything I could to keep this car and paid it in good standing, until I couldnt do it anymore in XXXX XXXX. I called them and they told me a " A VOLUNTARY SURRENDER IN MUCH BETTER THAN A REPOSSESION ''. I told them where the car was and at that time I owed a little more than XXXX. They auctioned the car for XXXX. They told me it would come off the balance. Then one day tgey transferred tge debt to a different part of Wells Fargo and suddenly I owe XXXX. They have been REAGING MY DEBT for a very long time and have cost me ManyLoan and credit decisions. It has cost me Much Higher credit. Please help! I believe it is 100 % Bad Ethics collections and has been for a long time. Thank you very much for any helpor guidance in advance.

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 2021-08-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my XXXX  and Equifax and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an application for a Reverse Mortgage with Reverse Mortgage Funding LLC, XXXX, NC XXXX in XX/XX/2021. The process went smoothly until it went to the underwriters. Title company asked for many unimportant documents which I did send. On XX/XX/2021 I did get a phone call from Mr. XXXX stating that their lawyer has indicated the loan should go forward. However, it did not. I sent RMF a letter on XX/XX/2021 to Mr. XXXX XXXX requesting an approval or denial in seven ( 7 ) days for my reverse mortgage loan. I have not received a response. 
To date I am unaware of the status of my reverse mortgage loan.

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 2017-10-10
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX on XXXX/XXXX/XXXX after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name XXXX XXXX that I suffered from two XXXXXXXX  XXXX. She asked what they were I told her my illness are XXXXXXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to google and read to me what the definition said. I told her that I was n't able to work and I was n't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did. her name was XXXX XXXX and she was of no help. The more I had to repeat my self over and over my XXXX begin to flare up. I advised both of them that my health issue were not going to get any better.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I have a Prepaid Visa Debit Card from Blackhawk Engagement Solutions, that Expired in XXXX 2016. The card still has a positive balance of {$7.00}. I contacted the merchant and they wanted to charge me $ XXXX to re-issue another card. 
The Visa Card Number is : XXXX. 
Valid thru : XX/XX/2016 CVC Code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Servicing Associated Fees on a Loan Reinstatement quote. 
- Military Alive Affividat fee {$10.00} - Dismissal Fee {$230.00} - FC Thru Complaint {$50.00} When a verbal request was given to remove fees, counselor was told that no fees would be removed and that they were all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been contacted by fed loan several time. My last semester was on XXXX XXXX to XXXX XXXX. In XXXX XXXX I have been contacted by fed loan requesting a payment. I filled a form to inform fed loan that I still study in my university. My university confirmed the infomation and inform fed loan my graduation day. On XXXX I received a statment requesting a payment by XXXX XXXX. I do n't undestand why fed loan is sending those statement. This is unfair and they 're afecting my credit on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, 2017 To Whom It XXXX Concern : The following accounts are showing on mycreditreport that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from mycreditreports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$210.00} XXXX {$630.00} XXXX {$330.00} XXXX {$510.00} XXXX {$4100.00} XXXX {$3700.00} XXXX {$1900.00} XXXX {$3400.00} XXXX {$2700.00} XXXX {$9300.00} XXXX {$3900.00} XXXX {$5000.00} XXXX {$7400.00} XXXX {$1400.00} XXXX {$2500.00} XXXX {$4300.00} XXXX XXXX {$1400.00} XXXX XXXX DEBT {$270.00} XXXX DEBT {$630.00} XXXX XXXX XXXX {$180.00} XXXX {$110.00} XXXX {$6900.00} Thank you for reviewing this and getting these items off my report immediately. 

Best Regards, XXXX XXXX XXXX : XXXX SSN : 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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have these accounts that are not mine and i want them to be removed from my credit re

port. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX  Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was at a Zale 's XXXX in XXXX, SC at XXXX XXXX shopping for engagement rings. I asked the saleswoman if she can see what I would qualify for to finance a ring. She said sure and took my information and ran the numbers for me. I told her thank you and I would have to think about what I wanted to do, so I left. About a week later I received an activated Zales Credit Card in the mail, even though I never gave consent to sign up for XXXX. I feel as though the saleswoman was misleading in the service she provided for me in that she gave no indication whatsoever that I was signing up for XXXX of their credit cards. When I called Zales they told me that they could n't do anything about it except close the account, which hurt my credit score. I would like this account to be removed from my report due to the misleading conduct of the saleswoman at the store.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been a member of USAA since XX/XX/2003. Last year, I filed for bankruptcy, of which USAA credit card was one of them. Soon after it was discharged, I tried to log on to my account, and received this message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' I was then taken to their mobile site, which limits what I can do, such as receiving documents. This has impacted actions that have needed to get done, such as paying my mortgage bill. 

I also found out that for some reason, I was never able to reaffirm my mortgage, even though I gave them permission to speak with my attorney and gave his information. I wanted to reaffirm my mortgage to show my good faith. 

Since then, I have received sub-par customer service. For instance, my mother passed away, and I had her on one of my accounts. They sent me paperwork to have her removed. I sent it in, but apparently, I was missing a document. No one bothered to let me know until I tried to add my husband to the account. 

Another interesting thing I have since noticed is the order in which they apply transactions. It seems they pay the larger ones first, and then the smaller ones. I thought they were supposed to pay as they came in, but they are not doing that. 

My experience with USAA lately has been frustrating and humiliating. I have other accounts with other banks, and I have full access to their websites. I truly believe because of the bankruptcy, I am receiving the bare minimum of customer service. USAA says they are there for service member and their families, but they 're not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had numerous problems with Chase lack of customer service through out the years. I have made attempts to modify my second mortgage with them three times after my first mortgage was approved and received piles of letters and made numerous phone calls which still resulted in no modification and continued to pay a high XXXX percent on my loan. I 've asked Chase repeatedly to work on the modification as I was having financial difficulty and the lower interest would help with brining the loan down. I got no where. 
In XXXX of 2016, I was selling my home and was in contact with Chase for my payoff. This was the second time after my first sale in XXXX fell through but they were well aware of the sale of the home, Chase then proceeded to sell my mortgage and delayed my closing for weeks as I had to find who they sold the mortgage to and await for them to get the payoff information on the loan. I received no letters regarding this and no forwarding information pertaining what they were doing. In addition to reporting late payments to my credit, the loan is reported as sold and I have no credit report of the loan being paid in full because of their actions which continues to harm my credit. The company they sold my loan to is not even showing on my credit or that the loan was paid. For all these inconveniences they have cause me as I continuously tried to work with them, would like all derogatory reporting on my account to be reverse and that the loan was paid by the company they transferred it to not showing just transferred and closed which is not accurate to the events that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I 'm charging that Citi Credit Card company sabotage my credit rating by lowering my available credit below the current accelerated voluntary payments and then report to the credit bureau that the card is over the limit. They have continue to do this from some time. The latest event in XXXX over {$1800.00} available and payments over {$700.00} paid. Then in XXXX over {$700.00} in payments made with a minimum payment of {$110.00} due. Then in XXXX over {$400.00} in payments ( XXXX/XXXX/15 ) with only {$85.00} due and Citi lower the credit limit between the XXXX/XXXX/15 and XXXX/XXXX/15 and reported the over the limit to the credit bureau on XXXX/XXXX/15. This type of policy cost the client XXXX discount deals that may be offer by other organizations by keeping cards at limits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation