BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Starting on XX/XX/2021 I was unable to use my Apple Credit Card issued by Goldman Sachs on both Apple Pay and the physical card. I contacted support immediately and they told me that my account was under review, but they wouldnt tell me why or provide any details. They also were unable to provide a timeframe on when I would be contacted to verify my identity. I contacted them again on XX/XX/2021 and I received the same response : no verified time-length when it would be completed, and Im still expected to pay the card and fees while being unable to use the card. Ive never been late on a payment nor has the account ever been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Caliber mortgage company a week shot regarding my mortgage that is due is 15 days. I told them that the world was affected by the corona virus and pretty much all work has come to an complete stop including mine. 

Im reporting Caliber mortgage company because they have no compassion towards what this epidemic has done to me and the world. XXXX XX/XX/XXXX/ XXXX XXXX has given their customers deferred payment options from 3-12 months which payment is pushed to the back of your 30 year plan.. 

Caliber mortgage ONLY offer 3 month forbearance which they compile all three months plus the new payment to be paid the fourth month.. no one is allowed to work during the corona virus outbreak so why are customers being penalized for this epidemic..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Atlanticus Services Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
About a month back I received a letter from Fortiva credit saying that if I didn't cancel the card they would charge me {$99.00} even though I had only used the card through a zero interest deal on a guitar from 2 years ago. 

I called the company immediately and asked why they sent the letter when my account was already closed for over a yearly. The person on the phone assured me I wouldn't get billed and my account was closed. I have the phone call recorded and it backs up my story. Then to make sure I went on the company chat feature on their website and they told me again not to worry it was cancelled. I also saved screenshots of that conversation. 

Today I received a letter saying I owed them {$99.00} for a yearly fee, with a {$34.00} payment due by XX/XX/XXXX or I would get a {$49.00} late payment fee.. I called the company in Georgia and explained I had cancelled the card, and I have the phone recording, and screen shots of the chat to prove it. 

The person on the other end asked if I was recording the current call and I told them that I was recording and it was perfectly legal in Minnesota where I was calling from and in Georgia where they claimed to be because they are both 1 party consent states. At that pint he said that he couldn't speak to me if I was recording. I asked to talk to this supervisor and he claimed it takes 2 days for one to call me back. Then he hung up on me and blocked my calls. 

At this point they've gotten no money out of my account, and my bank has put a stop payment on the company. My biggest concern at this point is these scammers are going after people that possibly can't defend themselves, or that don't keep proof of what these scammers are saying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My bankruptcy was discharged a few years ago and I included my home in Washington XXXX in the bankruptcy. Bank of America continues to send me statements and letters. I sent a Cease & Desist letter last month asking them to not contact me anymore by mail or at all as it brings up bad memories and the stress of having to let my home go. They continue to send me statements. I am beyond stressed and frustrated with them. I have anxiety and have to be on medication for it. By law I thought they have to stop sending me these items if I request in writing for this to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: FL
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company is currently showing 30 days late for the month of XX/XX/XXXX and 60 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX 5864Acceptance XXXX XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/2015RE : Acceptance Now - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX****You are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Us.Binance.com will not let me deposit my USD from their application into my bank account. I submitted a support ticket in XXXX of this year and my account is fully verified. The USD in my account can not be withdrawn due to risk management and they have not responded to my support ticket in 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called and emailed this company and they cant find an account for me. This is not my account I didnt open it. They also keep increasing my balance XXXX dollar and my score drop 40 points each time. 
This is the email I received from the company verification that it is not under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 midland credit management email me regarding a debt i do not owe with XXXX XXXX XXXX : nor have knowledge of. I have attempted to resolve this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust has incorrectly documented my insurance coverage and is sending me letters that I do not have sufficient coverage. They are threatening to buy insurance on my behalf and bill me for it. I have uploaded several documents regarding my condos master policy and walls in policy and they have still not changed their documentation. Their website ( XXXX XXXX XXXX ) still insists I only have {$5000.00} of coverage which is not the case. They are not controlling their processes. The phone number to call does not reach a person also.

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 2021-07-29
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Amerihome Mortgage statement for XX/XX/2020 was the Annual Escrow Account Disclosure Statement. ( Attached Exhibit A ) My escrow had a shortage of {$700.00} 67 - due XX/XX/2020, if paid my new payment starting XX/XX/2020 would be {$1200.00}. If the shortage was not paid, my new payment would be {$1200.00} and due on XX/XX/2020. 

I mailed the bottom of the original exhibit A and two separate checks in the envelope to Amerihome Mortgage. The checks were received and deposited on XX/XX/2020. ( Attached Exhibit B ) When Amerihome applied the checks they simply combined them and took {$1200.00} and made the newer higher payment. Then they took the balance which was {$640.00} and applied it to the loan principle. This miss application started a nightmare i have been unable to get out of for over a year.

When I realized what happened I called and have made so many phone calls to fix this issue. There have been so many corrections and reversals that I cant even figure it all out and no one will help me from Amerihome. My account currently shows me a payment behind with hundreds of dollars of late fees, which i do not owe. There is money in a suspense account. last time i called the agent was gon na make the missing payment but its still in suspense. 

I talked to an attorney who drafted a letter i sent to Amerihome to try to gather the documents to resolve this. ( Attached Exhibit C ) I need someone from Amerihome to audit my payment history, On my end I have paid every payment on time and never late yet i am charged a late fee every month. When i have called they will remove them but its a hassle and i am sick of this! I received the documents and a letter from Amerihome " XXXX XXXX '' and the letter states to call with questions Monday - Friday XXXX to XXXX XXXX  eastern standard time. ( Attached Exhibit D ) Supposedly it came from the Office of the Customer. I HAVE CALLED THIS NUMBER FOR 3 WEEKS- NO ONE ANSWERS - SAYS ITS AFTER HOURS BUT ITS NOT. I HAVE LEFT MUTIPLE MESSAGE AND NEVER BEEN CALLED BACK. 

There are mistakes in my history that i do not understand. Please look at the highlighted sections of payment ( Attached Exhibit E ) after late charges are removed and suspense money released for missing payment, I figure I am still short {$55.00}. Amerihome needs to dig into the account and find that {$55.00} shortage. Is it from the first miss application? Is it in my escrow? I dont know but i know I have paid every payment on time and for the correct amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I settled a debt with BARCLAYS BANK DELAWARE thru their Collection Agent XXXX XXXX XXXX XXXX. My original debt was around {$2300.00} and we agreed to settle for the amount of {$930.00} three monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XX/XX/2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. As of XX/XX/2016 on a recent credit report pulled by XXXX, this is the information that states related to my account : " ACCT SUBMITTED TO COLLECTION ; CUSTOMER UNABLE TO LOCATE SUBJECT ; CHARGE OFF CHRG {$2300.00} ; CLOSED BY CREDITOR ; PAST DUE PAST {$740.00} ''

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 2021-07-29
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: GreenSky, LLC
State: CA
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:
GreenSky authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. GreenSky has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with XXXX. XXXX  will not remove this account from my credit report without a written statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohl 's Credit Card Department has called XXXX to XXXX times a day for months now after I informed them that I will be paying the bill off in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report, it is showing under my XXXX XXXX XXXX account, it is showing that there is negative information listed. That was for a car I purchased. As you can see, I always paid on time up until I sold the vehicle. I closed it XX/XX/XXXX. I do not know what the statute of limitations is but I can not understand how anything negative can be shown under an account that was paid on time. This only appears under my experian credit report. 

Can you please check into this for me. Only on my experian report is it showing XXXX negative marks. XXXX is my bankruptcy from XX/XX/XXXX discharged and I understand that it will be there for 10 years, XXXX credit report shows XXXX negative item ( bankruptcy ) andd the experian XXXX is showing XXXX negative, I would appreciate any help you can give. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've recently reviewed my credit report and noticed that an account from an debt collector that i never entered a consumer credit transaction with. I have reason to believe they have violated privacy and my consumer rights under the FDCPA and FCRA. I never gave consent or been in contact with this company for them to furnish an account or send information to the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
In regards to Case number : XXXX. What they 're telling me is not an ethical solution. I am not going to be paying interest on a card for 3 months that ca n't be used. There is no such clause. Nor is it legal. Now if they want to cancel it they cancel the balance as well. I am paid up. They are fully aware of what transpired. Furthermore the balance is incorrect. There have actually been balance issues all along as far as the monthly statements go. I called a XXXX who left a voicemail. She never returned my call. Today I received your email with their resolution of 3 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Account status incorrect

Complaint:
I have attempted more than 5 times to have XXXX and Equifax update my credit report to reflect a status of closed along with the closing date. 

Each time, XXXX and Equifax are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted XXXX in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from XXXX executive office has called me back. I called XXXX again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.

Company response to consumer: Closed with explanation