BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sick in XXXX and XXXX XXXX and could not pay my mortagage I make a complaint to cfpb XXXX XXXX XXXX case number XXXX and XXXX. SLS said that got there payment for XXXX and XXXX XXXX but I have made the XXXX payment this siad that Iam XXXX month behind in payment I have a statement from XXXX Bank where I paid XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.

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 2021-11-24
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
COMMERCIAL AFFIDAVIT OF TRUTH XX/XX/2017 1 ) Bank of America can not varify or show validity of alleged debt 2 ) Bank of America can not show a valid current contract with me including my wet blue ink signature 3 ) Bank of America failed to respond to my complaint with a VALID response 4 ) Bank of America failed to show tangible evidence that there is a current contract 5 ) Bank of America rules and regulations do not apply to me, I never knowingly or willingly signed a contract with them for life. 
6 ) Bank of America is willfully and with intention violating my rights and comitting crimes along with felony violations of the USC, United States Code & gt ; federal law, 7 ) Bank of America has admitted to closing the account on their response to me, but still persists in criminal activity, 7 years has passed. 
8 ) Bank of America has violated florida statute 817.568 and is using my personal and private information without my consent which is a second degree felony 9 ) Bank of America has violated title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. using fictitious names which is another felony and owes me XXXX dollars, for that violation I have shown the evidence crystal clear!!! 
10 ) Bank of America is a felony criminal with a major criminal history of mortgage fraud among other frauds, its all over google!!! these are proven miscreants!!! 
11 ) Bank of America can not prove anything, they are liars and deceivers, they refuse to answer my questions and talk like bill clinton with XXXX avoiding the subject, and not giving any valid answer with clarity 12 ) Bank of America threatened me with extortion by stating they may use XXXX to make a bad report on me, this is a violation of my privacy also giving out my personal and private information without my consent, from XXXX, florida state ZIP EXEMPT XXXX VERIFICATION The undersigned Affiant hereby certify, under penalty of perjury, under the laws of the United States of America, and pursuant to 28 USC 1746 ( 1 ), that the above COMMERCIAL AFFIDAVIT OF TRUTH is true and correct, to the best of their knowledge, current information, and belief, so help me XXXX. \ Florida state , XXXX On the XX/XX/2017, XXXX, before me proved to me on the basis of satisfactory evidence to be the man whose name is subscribed to the within instrument passport & certificate of live birth, and acknowledged to me that He executed the same in His authorized capacity, and that by His signature on this instrument is the man, WITNESSED by my hand and official seal. 

By typing my name electronicly this is my signature for this affidavit, and I will be sending in a hard copy notarized, respondent to respondent must respond within 14 days signed ; 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 2017-04-10
Company: Navient Solutions, LLC.
State: GA
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:
XXXX/Navient is being sued and that 's exactly where my loans came from. My entire tax return was taken to pay them back while I 'M HOMELESS WITH XXXX CHILDREN. I have already sent in an appeal to have my taxes returned with all documentation. I 'm reaching out here as well. If it 's clear that XXXX/Navient is in the wrong then PLEASE RETURN MY TAX RETURN. I need it very badly and worked very hard for it. I had a XXXX in XXXX and XXXX then lost my home so calling Navient when I normally do was extremely difficult. All of my hardships are documented. If this company has been found with wrong doing as it has been then would it not be fair to return money taken from me by them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX was reinserted on my credit report after previously being 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 explanation
Consumer complaint received 2015-11-11
Company: U.S. BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The issue began in XXXX. I have a gym membership that I have tried to cancel but they still debit my bank account. I was working with them directly to get this stopped and did n't involve the bank or I would have incurred more fees. The bank account went negative due to the debit. The NEXT day my direct deposit put in {$50.00} to my account. Hours later, I incurred an overdraft fee. I emailed them asking for waiver of fee but to no avail. I told them to put a stop on all attempts to debit anything when I have a negative balance ( as I told them I did n't want overdraft protection anyway ). They finally did this. I was having a hard time depositing money into my account as this bank is not located near me and I would have had to mail in a money order. I continued having {$50.00} direct deposited from my paycheck biweekly. Still incurring overdraft fees once every week for {$25.00}! Finally on XXXX XXXX, I was able to figure out how to set up my prepaid account with XXXX XXXX ( I use this more frequently ) to transfer and deposit funds to USBank. I sent {$110.00} which brought it out of the negative status. Then the gym tried to debit yet again and even though US bank reversed it ( due to not enough funds to cover it ) they charged me a fee for it. That 's fine. I knew how I can get the money in there when I got paid. Then I tried to log into Mobile Banking around XXXX/XXXX/15 ( less than two weeks after the last deposit ) and now my account is closed. I am now unable to see my account information on their website. When I click to view my past statements and letters, they are not viewable. Sent an email to them and received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a shortage coupon from my mortgage company XXXX that I could choose to pay the full amount ( due by XXXX XXXX ) or have it dispersed over a 12 month period. In XXXX my mortgage was sold to Specialized Loan Servicing. On XXXX XXXX I sent a check to my new mortgage company for the full amount of the shortage of {$990.00}. I included the payment coupon and the new loan number. My check was cashed a few days later from Specialized Loan Servicing. 

I went online to check the status and to make my XXXX payment. To my disbelief my loan was misapplied and not put towards my shortage. I called Specialized Loan to find out what happened. I spoke to someone ( did n't get their name ) and was told since I was one payment behind they applied that money towards that and put the rest in escrow because that was their policy. I was fuming and in disbelief. I paid the full shortage amount in good faith to keep my payment down. So NOW I have to make the shortage payment over the 12 months plus my mortgage payment. This is an extra {$140.00} a month on top of my regular mortgage. 

I feel like I should have gotten a phone call, especially of the fact that I was switched from XXXX in XXXX. I never received a call or anything in the mail. My payment was for my shortage NOT for my mortgage payment. 

I feel like I just tossed almost XXXX in the fireplace and now I have to come up with extra each month. I am a XXXX single parent and scraped together the money to be able to avoid the monthly increase. 

I am so unhappy with this new company and their decision to choose what to do with MY money.

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 2017-04-11
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants is attempting to collect a debt that I do n't owe and I never established a contract with this company. Furthermore this company is reporting a negative tradeline onto all XXXX of my credit reports which is violating the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I already had a loan with this company I had a XXXX XXXX on XX/XX/XXXX and this company pulled my credit on XX/XX/XXXX. I had XXXX on XX/XX/XXXX so who gave them permission to pull my credit. This is an unauthorize inquiry that I did not authorize.

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Reported to the Credit bureaus that I owed them XXXX $ but that was In correct because they Agreed to have it removed from my credit report. They Also stated that they will send me a letter to confirm that the amount was paid off. 

The issues are I ended the contract so they had no business adding a loan. Because I didnt owe them any money. I asked TransUnion to remove but instead they came back and stated that it was an actual charge. But it wasnt it was in correct

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 2016-10-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I cosigned a loan for my daughter in XXXX, when I had a job. She has not spoken to me in several years now. I did not know that she decided to stop paying her loan in XXXX of XXXX UNTIL Wells Fargo started harassing me non stop. I am now XXXX years old, I was laid off from my job in XXXX. I have not been able to replace a decent income. I have a very limited income now, under {$XXXX} a year. I have been in touch with W.F. constantly ... to no avail. They refuse to offer me any relief, as I had asked for a modification to either lower the rate or monthly amount.. I have also asked for some amount of loan forgiveness. All of my requests have been met with a strong NO! Please help! I am looking for any possible way for to find some relief at this time.

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 2015-09-23
Company: WELLS FARGO & COMPANY
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Attempts have been made to improve my credit scores. Wells Fargo has been reporting that account is correct with no delinquencies, insist on reporting account as an account that may be considered negative. Information reported to credit agencies by Wells Fargo does not support this account that may be considered negative. I questioned Wells Fargo 's actions to continue to report account as an adverse/account that may be considered negative. They have failed to respond to my concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have bee writing the consumer complaint department about a bank issue with XXXX XXXX XXXX and Wells Fargo { Wachovia }. when i got my XXXX settlement in XX/XX/2011 I put XXXX and XXXX at XXXX XXXX XXXX and XXXX at Wells Fargo. there was XXXX dollars stolen from XXXX XXXX XXXX and XXXX stolen from Wells Fargo. 
I tried to take Wells Fargo to magistrate court in XXXX, SC and XXXX XXXX XXXX I filled out complaints at BBB, Consumer Affairs, FTC and CFPB. In light of what has happen in the past months or so there has been a CLASS Action law suit filed on both banks both for consumer FRAUD, XXXX XXXX XXXX was for mortgage Fraud and Wells Fargo FRAUD was about consumer false accounts and credit card issue, both is what has happen to me but still yet no one is willing to help me get my money back. i have been very sick with XXXX. I was planning on trying to get a house with that money. My situation involves someone trying to get mortgage loan and credit cards which also shows up on my credit report, i have had a number of fraudulent accounts to show up on my credit reports all of which i have to seen along with this complaint. If someone could just take a look at my paper work you can see how they access my account and took my money. i have filled out affidavit and numerous complaints. I am hopeful to think that since what has happen with other court actions that there may be a chance for me to try again to get my money back.You can see from paper work that someone maybe a person whom work at the bank access my account by using the people whom were drafting from my account for my monthly car insurance draft and my monthly renters insurance fee, they went in took the money from there and left XXXX amount .if someone could take interest in letting me know how i could have got in on the class action law suit or if someone at the CFPB could become interested enough to point me in the right direction or if its just a loss cause at this point. I have been complaining about since it happen and i also notify the Social Security XXXX Office..XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. 

Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you

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 2016-09-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.

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 2015-10-07
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.I have no knowledge of the debt and request it be removed from all bureaus ... it is negatively affecting me.

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