BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-30
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company, Roundpoint Mortgage, is a disaster. In XXXX we received notice that we had overpaid our escrow and received a refund. In late XXXX we were told that we were underpaid into escrow and our monthly payment was increased by $ XXXX per month. This was a 50 % increase without warning. After working with lender they agreed to spread repayment out over 24 months. Just this month we received yet another notice of increase ( only a few months after our agreement ) that a new analysis showed we needed another increase. The inconsistency in this has caused stress to our family and monthly mortgage budgeting. We 've been unable to speak with anyone who can speak to us and talk us through this issue with clarity. The only explanation we were given was " we should have requested an analysis sooner to ensure we were on track. '' They went on to say " we have several XXXX loans and are n't able to keep up with all that have or may have shortages. '' This has been the most difficult mortgage company i 've ever dealt with, and their communication could use much improvement.

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 2017-04-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX auto loans with Toyota Motor Credit which were paid off in XXXX and XXXX. Since these dates they have appeared on my credit report as " pays as agreed ''. I have attached a copy of my report which details each month since these dates as marked XXXX and XXXX Then on XXXX, Toyota reported these account as Pays 31-60 days and 90-120 days even though they were paid off years ago. There was no reason to change the status of these account as I did not owe anything to Toyota and for the past nearly 6 years they have been reported as " pays as agrees ''. I wish Toyota to change the status back as had been reporting. I had previously disputed why these old account remained on my record, and then Toyota goes and puts old information on my record that has no meaning and relevance at this time. I have attached the XXXX pages from my XXXX Credit Report for XXXX which shows both accounts reported as " Pays as Agrees '' and the XXXX pages from XXXX, which the account status changed. And on XXXX report you can clearly see the many years after the accounts were paid, there was no negative reporting by Toyota Financial. It is very harmful to me that Toyota for no reason would ruin my credit record now, for payments nearly seven years ago, when in reality these accounts should not even still be on my credit report. Please have Toyota correct the status back to Pays as Agrees. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MO
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:
I have attached XXXX FTC reports with inquires I did not authorize and need to be deleted

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 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am resubmitting my claims from a previous complaint from case XXXX and XXXX XXXX. I thought this was a XXXX card but it said Bank of America. I went back and looked at my credit report to see if I had any judgments for a Bank of America card and I do n't even see that I had a judgment or even ever had this card! I have never had a card in this amount of almost {$14000.00}! This law firm sent me a letter telling me they had been sold my case and would be reviewing it and now I am getting a garnishment summons!!!!!!!! I will sue everyone, if they do not correct this now! I have already contacted a lawyer. I never received a judgment or notice that they would be garnishing my bank account. And now I get this summons!!!!! This should be fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had a XXXX co-branded card issued by FIA/Bank of America. XXXX has decided to change card issuers but I wished to remain a FIA/Bank of America customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.

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 2016-02-15
Company: Hillcrest Davidson & Associates
State: TX
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:
Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This data was deleted from my credit report, and reinserted. 
This was a fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Is slamming my credit report with bullying tactics for a so called debt that I do not owe. In the past months they have plagued my credit report with 3 different derogatory marks for exactly the same amount, {$1900.00} ( no change ) First was XXXX on XX/XX/2021 and then thru XXXX on XX/XX/XXXX and also on the XXXX of XXXX. Something else I found strange is that my credit report was also hit by XXXX XXXX XXXX on XX/XX/XXXX of XXXX with the exact same charge of {$1900.00}. All of these Fraudulent charges stem from an old Fictitious medical bill for services that were never rendered. I do not owe this bill and I should not be harassed for it. I have beat these collection agencies repeatedly in the past and I do not understand why it keeps coming back. How they repeatedly get on my credit report is Absolutely Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Corporation are in violation of the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: OPORTUN FINANCIAL CORPORATION
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 Oportun 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 OPORTUN 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 2021-07-05
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Used Regions HELOC show funds for condo, didn't buy, put money back, shows used 100 % of limit, now HELOC is PAID IN FULL, please report to credit NOW, need to help family get loan for medical

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 2017-01-27
Company: Navient Solutions, LLC.
State: NY
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 am in income-based repayment status with Navient. Several years ago, I was an XXXX XXXX, which paid the interest on my student loans during my year of service. However, Navient capitalized all of the interest from that year, adding it plus more to the loan principal after having accepted the government 's payment on the interest. Additionally, I paid the full amount of my XXXX XXXX award toward my loan principal, and Navient applied all of it the interest. Since that time, they have included a line item for " capitalized interest '' at the beginning of every year, causing my loan balance to increase every year, though I am making substantial monthly payments. There is no one at Navient to speak with about these issues, and it appears they are increasing my monthly payment from {$750.00} to {$1600.00} as of XXXX XXXX. I will continue to try to reach someone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BlockFi Inc
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Blockfi.com. It's a cryptocurrency savings account. In lieu of the recent issues with XXXX, I am unable to withdraw funds from my account. When I opened the account ( and everytime I receive an email from them ), they say that my funds are always available and that I can withdraw at anytime. However, they now put a freeze on all withdrawals and I fear that my money will be lost forever. I need these funds to pay for my son 's college tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: RoundPoint Mortgage Servicing LLC
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Today, XX/XX/2022, I received an email ( attached ) from Capital One stating they are closing my accounts, both checking and savings. I logged into my accounts online and each has a banner stating '' Funds not available for withdrawal '' ( screenshot attached ) and I was unable to make any transfers or do anything in the account. There are NO branches near me, not within this state or the next one, so I have no options to physically visit a branch. They did not give me any reason. They provided an open-end date for when they will return the money in my checking and savings accounts. Total amount is {$1900.00} ( checking plus savings ). I need that money for my rent which, like most American 's is due by the first of the month. I had been on hold for more than XXXX minutes and spoken to the customer protection XXXX at Capital One ( " XXXX '' ) and asked for a supervisor, which she was not willing to connect me with, even though I was calm and clearly asking for a specific date that my money would be make available, she said " I'm just trying to understand your frustrations '' like anything about my situation is unclear. I was passed on to " XXXX '' and he said the outstanding balance is greater than the funds available. None of this makes sense to me! Capital One is an FDIC insured bank and it is illegal for them to hold my money and make it unavailable to me. I have banked with Capital One for over XXXX years, so this is very frustrating and shocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I natural person and federally protected consumer XXXX XXXX XXXX believe Global Lending Services have violated my federally protected consumer rights under the FDCPA ( fair debt collection practice act ) FCRA ( fair credit reporting act ) and T.I.L.A ( truth in lending act ) I walked into XXXX XXXX to fill out a consumer credit transaction and walked out with a loan and debt. I assume no liability for this alleged debt which I stated in the first affidavit. see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks

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 2015-07-09
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Constant daily robot calls from the CBE group with no person on the other end, just a recording. Calls come morning and night XXXX to XXXX times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My Loan Service Company is Navient and I feel that I 've been mistreated over the last 2 Years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: World Acceptance Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
For two years, Ive asked for World fianance to validate this debt. Theyve submitted false social security numbers to reporting agencies and incorrect amounts. Multiple times have they showed up to my home to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had completed making interest accrued payments to my account with Affirm , Inc totaling {$630.00}. I currently have made payments to two open " loans '' starting on both XX/XX/XXXX and XX/XX/XXXX on my Affirm account totaling {$2500.00}. Affirm , Inc has been collecting funds through extortionate extension of my credit each time I extended credit to them by lending my Social Security Card to Affirm , Inc to even receive credit. The credit I had extended has not been properly applied to my account. Affirm , Inc has then continuously made several calls at least twice a day and sent various text messages to my phone in a form of harassment to demand I continue to make these unjust payments. Affirm , Inc hasn't sent anything in writing stating or confirming that I owe Affirm , Inc anything. I do not and have not received an invoice or any statements or full disclosures in regards to my account with them. Affirm , Inc has also threatened to charge off my account and send my non-public personal information to a third party to collect on this extension of credit if I did not pay the asked amount. Affirm , Inc has also been reporting and furnishing negative information to the credit reporting agencies in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We applied for a mortgage through a mortgage broker. When it came time to accept and lock in the rate, the mortgage broker informed us that as a condition on getting the interest rate and terms that we wanted, we were REQUIRED to open an account with the bank offering these terms. This bank is Wells Fargo Bank , NA. 

Normally, in our 30 years of owning a home, we have had our payments automatically deducted from our primary checking account with a bank ( a competitor of WF ) that we already have a relationship. But for Wells Fargo, this set up is not enough. They essentially are coercing us into opening an account and to become a customer in order to get a mortgage. If we do not open the account, we CAN NOT get the mortgage. We can not have the terms that they offered. We can not buy the house. 

We have no intention of opening an account. We can make payments as we have always done it : through our primary account with a competitor. 

WHY is WF forcing us to open an account with them when we do not want to? They are not convenient to us ; they are not near to us. We do not like their banking products, except for the mortgage. Why, as consumers in a free market, should we be forced to open an account. 

This requirement amounts to coercion and tortious interference with business relations. 

This requirement is EXACTLY why the big banks should be broken up. This requirement should be investigate and WF should be estopped from requiring this action as part of offering a mortgage product.

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