BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Ocwen 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:
Account servicing on behalf of XXXX XXXX XXXX XXXX  was moved from PHH Mortgage Services to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to PHH stating the account has been transferred and therefore closed, PHH continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at PHH promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Applied Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX Fire and Rescue and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX Fire & Rescue department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: AmeriCollect
State: MO
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:
AMERICOLLECT is listing 2 tradelines on my credit report that must be deleted immediately from my XXXX report. The tradelines have already been deleted from XXXX and XXXX but not XXXX. 
The first tradeline list nin collevtions on my credit report is for the amount of {$59.00}. This trade line states the account was opened XX/XX/XXXX and was addedd to my credit report this pass XX/XX/XXXX, which is against the rules of XXXX and the credit reporting agencies reporting it. The 2nd debt in the amount of {$68.00} I have submitted a request to verify this debt and send me the bill or statement and they refuse to validate this debt and the other debt like I requested and send me the info. I am requesting these two tradelines be deleted from my XXXX credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Their investigation did not fix an error on your report

Complaint:
First I call TransUnion to dispute my Bk on my credit report. I call the courthouse and they tell told me they didnt verify with TransUnion ... Im requesting Method of their Verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: CT
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 tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. Experian recently responded that the inquiries would have been removed ( The ones that was disputed ) As I stated before these were unauthorized. 

EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/2020 This was removed and recently popped back up on my credit report.

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 2022-08-31
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The person responsibe for this account has passed away. His vehicle was also repoed by 800LoanMart. This debt is not my responsibility!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When paying rent for a shared household, my roommate accidentally wrote a check for rent for the entire house on a check from my checkbook instead of his own and sent it in. When the check was cashed, it overdrew my account by a large amount, and I was charged {$93.00} in overdraft fees. I called the bank and asked that the overdraft fees be removed. I did not think that the check should have been cashed since it did not have my signature on it. XXXX My roommate signed his name ). I spoke with a few people at the bank, and they refused to remove or reimburse the overdraft fees. When I explained that my roommate wrote on my check on accident and that it did n't have my signature, I was told " who 's fault is that? '' and that they go through XXXX of checks and ca n't check all of the signatures. I felt that just because they ca n't look at all the signatures, does n't mean that the signature does not matter. I gave up arguing with them after this and closed the account a couple weeks later. I would like to be reimbursed for the overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
O n  XX/XX/XXXX  I an d my husband went into  Wells Fargo B ank located at  XXXX   XXXX   XXXX .  XXXX   XXXX  Fl.  XXXX  we felt we were made a mockery and very much so Discriminated against, as we sat down at her desk i informed her of the type of loan we were inquiring about, which was a ( Unsecured Personal Line Of Credit ), which then she suggested for me to apply for only {$5000.00} Dollars and she stated that that type of loan highest limit was for only {$25000.00} Dollars, so my husband went o n Wells Fargo Bank website on his phone then showed her that the loan has a Minimal of {$3000.00} Dollars and the Maximu m was for {$100000.00} Dollars then she said oh I did n't know that, so she says how much would you like to apply for, in return i told her for {$100000.00} Dollars. So she laughed at us, so when she finished laughing at my reply for {$100000.00} Dollars, my husband ask her what was so funny about the amount my wife mentioned, she in return says I 'm not laughing at you, im laughing with you, which i nor my husband was laughing or found anything to be funny Concerning the amount I applied for. After that As she processed the loan we fouund her to be very Discouraging with certain things she was saying about how I did n't have enough money in my account at the time, and i need to try for a lower amount and that I needed to make at least {$8000.00} Dollars a month in order to be approved for this type of loan. So she submitted the loan and it was Denied Instantly. so i ask her why was i Denied and she said because of my income debt to ratio was 74 % and she told me that I would get a letter in the mail, so the next day I called the Cred it Bureau (  XXXX  ) to see w hy my income debt to ratio was so high, when she calculated a 2 % income debt to ratio when she was processing the loan application.  XXXX  informed me that my credit report was up to date with the right information and that the same credit report that i have, is what 's in there system aswell. So i call ed Wells Fargo  Bank loan Department on  XX/XX/XXXX  to ask why was i denied the day before in the branch, and they said because of my account was not old enough when I specifically inform her when she was processing the loan application that I had my account every since  XXXX . I still dont know what information she put on my application, and at this point I really dont know what or who to believe. So  Wells Fargo Loan Department informed me that they will resubmit the loan Application, and I did file a complaint with Wells Fargo Bank concerning this incident & her behavior towards us.

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received calls from this number on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. At which point after checking, confirmed it was Capital One. On XX/XX/XXXX at XXXX I asked them to please discontinue communications, also expressed to them It was Sunday they shouldn't be calling me on a Sunday. I acknowledged with them that I do have a payment to make however it's only been a few days, They state XX/XX/XXXX was the due date. I expressed to them that this is not the time to be calling people to pay when there is a pandemic and hours are being cut at work. I asked if I was in grace and asked to confirm when they report to the credit bureaus. I was told yes and that they report in 30 days, at which point I told them my priority at the moment is food and shelter and once I know what my situation with work is due world events, I can start paying again. Account is past due but not the point I should be harassed ( 7 days ). Agent was then told this is not business as usual and hope they can understand me requesting to cease communication and that I would try to pay what I can and hope it goes in as good faith payments. 

I received another call again on Monday XX/XX/20 at XXXX, I did not answer. 

CFPB should also do something about collection practices in general due to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: FIRST HORIZON BANK
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX was bought out bY First Tennessee. They have forced everyone to download the new App to access online banking. The App hasnt been working. I lost access 4 days ago, have talked to people on the phone, and been to the bank twice. Im writing this complaint in the mgrs office because we have been on hold for probably 45 minutes with the NO HELP LINE. Bank employees at MY bank have tried to help ... .to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: Navient Solutions, LLC.
State: NJ
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 was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called USAA earlier today, XX/XX/XXXX, to explain that I had been laid off work due to COVID-19. I have an automated draft of {$350.00} that should post in two days and wanted to know what financial options were offered, because the funds are NOT currently available in my account. I was told that I do not qualify for anything because they need at least four days notice to stop automated drafts. I was also informed that if I do not pay amount due in 15days a late fee will be charged and if after 30 days that I would be reported to the credit bureau. The representative placed me on hold to consult with a higher official. Unfortunately, the results were the same. No postponement or waiver of late fees after the standard fifteen day grace period, EVEN WITH COVID-19 situation!!

I will never again sign for automated drafts with this institution!!! It turns into a curse!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Chase does not have a secured interest in our property located at XXXX XXXX XXXX XXXXXXXX, OH XXXX which was conveyed to us by General Warranty Deed on XX/XX/XXXX. Attached please find a copy of our Mortgage # XXXX to XXXX  as Nominee for XXXX XXXX XXXX XXXX. Attached please find an Assignment of Mortgage to Chase Home Finance LLC signed by XXXX XXXX on XX/XX/XXXX as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX as Nominee for XXXX XXXX XXXX XXXX XXXX its successors and assigns. Attached please find the Corporate Resolution granting XXXX XXXX the authority to sign as " as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX. As you can see in the attached documents XXXX XXXX did not have authority to Assign the interest in this property on XX/XX/XXXX in the above referenced assignment. 

In addition to the above Chase Home Finance continues to harass us by phone calls, mailings and filing Foreclosure XXXX on XX/XX/XXXX and XX/XX/XXXX while are under Bankruptcy Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello so apparently I had a wire fraud on my checking account on XX/XX/XXXX for the amount of XXXX plus XXXX for the wire fee. I noticed the charge online and contacted my bank. They conveniently closed the account before the weekend so whatever money was left I had no access to. They went on and said I have to open a new checking account and transfer the funds from the old account to the new account. I am still waiting for the rest of the funds they are holding against my will. They say they can hold it for up to 90 days, but they say there was no fraud on my end. I recently moved. I explained to them that I live alone, I am in XXXX I pay rent, and all my bills and food. All on me and that you can't hold my money. Now when I try to call the phone gets disconnected or they say, still investigating the issue.

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XXXX/XXXX/XXXX XXXX XXXX {$310.00} ... XXXX/XXXX/XXXX XXXX {$490.00} ... XXXX/XXXX/XXXX XXXX XXXX XXXX ... XXXX/XXXX/XXXX XXXX {$360.00} ... XXXX/XXXX/XXXX XXXX XXXX {$590.00} ... XXXX/XXXX/XXXX XXXX XXXX {$1000.00} ... 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