BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency appendix removal so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 busines s days for the investigation to be completed.      XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would tak e 60+ days  for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still  be 60-90 days before  my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

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 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old.   XXXX   XXXX   XXXX  said to me call Credit Bureaus.

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 2015-12-03
Company: POLARIS HOME FUNDING CORP
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I received an urgent notice about my mortgage in an official looking envelop. This was unsolicited and did not indicate that it was a marketing flyer. It refered to 'guideline changes ' and that I was selected for a 'reduction progarm ' which will 'lower my monthly payment significantly. ' This, it turns out was untrue, but assumed they would pay off my fixed rate loan for a variable rate loan, however, the variable rate was n't much better than my fixed rate and did not amount to a 'signficantly lower payment ' compared to my current mortgage. This letter was alarming, deceptive and felt predatory in its design. In the fine print I see that it is a solicitation from XXXX XXXX XXXX and XXXX XXXX ( contact information in the attached pdf file ). I feel their tactics are the type that regulatory reform was intended to eliminate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has denied my appeal and they said it would take 30 days. They are saying my income is {$2200.00} a month. My income is only {$940.00} and my sons social security  XXXX  is {$660.00}. I faxed them this information and my total income is {$1600.00}. But I have appealed it higher people in bank of america. I am not employed and I do not receive any extra income that would equal to {$2200.00}. Bank of america is causing me undue   XXXX   XXXX  . But I am working with them and have made payment arrangements to pay the {$3000.00} by the end of this month  XXXX . And when the payments are caught up I will set up a automatic payment withdraw from my checking account. Also by Alabama law a home owner is suppose to be 17 payments behind. Bank of America has gotten {$20000.00} which they never applied to the balance of my loan and its not fair what they are putting me through, i do have my bank statements proving which payments have cleared my checking 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 explanation
Consumer complaint received 2017-05-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summa ry : Ocwen is not reporting Mortgage payment to any of the credit bureaus for over ( 11 ) M onths.     Made numerous contacts with Mortgag e Company and they investigated and concluded it was not being reported and gua ranteed that it would be reported as of  XXXX   2017 . As of this date it is still not being reported.     I have contacted their investors  XXXX    XXXX   and they too stated they would resolve this issue. There has not been any action taken on their part as well.

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 2017-05-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  working for  XXXX  at  XXXX   XXXX   XXXX ,  XXXX , NJ. I went to  XXXX   XXXX   XXXX   XXXX  and received   XXXX   XXXX  . I never saw a bill during that time, as my manager took me to the hospital and it was filed as  Workman 's Compensation. I re call receiving  one  bill at my home a few months later, which I immediately took to   XXXX   and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on  XXXX   XXXX ,  XXXX  in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from  XXXX   XXXX . It was placed into collections on  XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that   XXXX   received any mail in my name on the matter.

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 2016-07-09
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up with XXXX XXXX XXXX for internet & TV service in XXXX, Oregon. My bill was never correct despite many calls to customer service. I finally gave up. I cancelled my service, disconnected it, and made payment for my final months of service at the rate I originally contracted. 

With my final payment I included a letter detailing the problem, my calculations, and that this was a final payment for the unpaid portion of my account at the contracted rate. XXXX accepted the check in XXXX 2015 and never commented on my letter. 

In XXXX I was contacted by Convergent Outsourcing, a debt collection service working on behalf of XXXX. I disputed the charge, which Convergent " verified '' by providing a copy of a XXXX bill. I sent Convergent a cease and desist letter along with proof that the debt was invalid -- which was a copy of the final letter I had sent to XXXX and a copy of the check. 

Convergent contacted me again on XXXX XXXX, ignoring my cease and desist letter, with an identical " we 've verified this debt is valid '' letter. 

XXXX 's billing practices are predatory and Convergent Outsourcing, its debt collection service, ignores proof that the debt they are trying to collect is invalid and ignores consumer demands to break off contact. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for a Care Credit card to help pay a   XXXX   bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.

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 2015-04-10
Company: Performant Financial Corporation
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: WELLS FARGO & COMPANY
State: WV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I went to XXXX XXXX in XXXX WV in XXXX of 2015 to purchase furniture for our new home. We asked the selling agent what our payments would be and we were told that they could not tell us because it was against Wells Fargos new policy. They said that our payments should not be more than {$70.00} a month, which is what my last furniture payment was. We could easily make {$70.00} work as a monthly payment. We also had to pay our sales tax before our furniture would be delivered. We paid {$260.00} in cash and our loan amount was for {$4400.00}. Our furniture was delivered in XXXX and when we received our first bill and it was twice the amount at {$150.00}. 
I called Wells Fargo and explained what we were told by XXXX XXXX and that we could not swing that high of a payment with our new home payment, student loan, car payment and a baby on the way. They said that we had signed a contract and that it was set in stone unless we wanted to pay off the full amount of the loan. They also said that we could appeal the contract. Upon looking at the contract the first page reflects a 12 month date and the second page reflects a 17 month date. 
We were denied the appeal by Wells Fargo Speaking with them again they said that they could lower my payments if I were not under a contract and that I am required to pay the minimum due whether I can afford to or not. If I can not pay the amount due they will be forced to take action because of breach of contract. 
We have made the payments throughout the year the best that we could whether we were able to pay the full amount or just what we could afford. We have now received a letter stating that we must pay {$280.00} by XXXX XXXX or they will be forced to take legal action and make us pay {$4900.00}. We were also charged {$1200.00} in interest for one month. We have made our payments the best that we could throughout the year ( XXXX ) causing our bills to pile up. Even after explaining all of this to Wells Fargo they were still unsympathetic to our cause and unwilling to work with us on this matter. 
If we had been quoted the price of {$150.00} a month we would never have made the purchase because we could n't afford it and we knew that we could n't afford that high of an amount going into the purchase. But we were not quoted that amount, we were quoted {$70.00}. My credit score was right around XXXX going into this purchase and it has since plundered. What are our options?

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 2016-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people

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 2017-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
On  XXXX / XXXX /   17  I spoke with a representative of the company who would not provide their name upon request. I simply asked to not be contacted as the debt in question is time barred and out of statute. The representative would not provide their name and indicated they would only honor a cease and desist request in writing. Upon my repeated requests to have my account marked cease and desist the representative transferred me to a supervisor. Upon speaking with the supervisor I was advised that the debt is indeed out of statute but that my verbal cease and desist request was insufficient and I would need to submit the same in writing. Additionally all other inquiries I made were met with a response that I can check online resources.     Prior communication had resulted in a hostile phone conversation wherein the representative refused to provide his name as well and became aggressive upon my advisement that I would be terminating the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I am having a problem wi th Wells Fargo Dealer Services ( my  car loan ). Around  XXXX  of  2016  I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my  XXXX  payment in  XXXX  parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in  XXXX  and {$220.00} in  XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at  Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.

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 2017-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently became aware of a credit card with   XXXX   XXXX   that was opened in my name by my sister and her husband. The account is past due and affe cting credit score because  both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them.  After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I a sked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

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 2017-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting credit score because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once. 
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response.

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