BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sirs My wages are being garnished illegally by Love, Beal, and Nixon representing XXXX XXXX. They began harassing me for debts that was charged off at XXXX department stores. One of their representatives came to my job and left a note with the receptionist about the garnishment trying to intimidate me while working at XXXX college in XXXX. I called the company to explained that I could afford to pay the debt and do not approve of them coming to my job.. They ignored this and sent a representative to my home and let a paper with my sister about paying the debt but did not provide any information about a court date. The situation concerning this garnishment was canceled and appeared on my credit report as paid by XXXX.with a XXXX  balance. 
The Love, Beal, and Nixon debt collection agency representing XXXX XXXX proceeded with another garnishment from a credit card company named XXXX XXXX XXXX which was charge off in XXXX. They began this harassment in XXXX with calls and letters and got a court order to garnished my wages wherever I worked. They began a garnishment at XXXX XXXX in XX/XX/XXXX, where currently work. They did not send a notice to me but sent to the job in XXXX and the XXXX XXXX  did not notify me until 3 days before my payday XX/XX/XXXX, from the payroll office. The XXXX XXXX company did give the information so I could file an exemption. They garnished my bank in XX/XX/XXXX for {$17.00} dollars. I sent an exemption letter to them because they requested this information. I did not have the opportunity to contact the court concerning the latest filing of the garnishment. I make XXXX a hour and taking 25 % per pay period, and I cant afford to pay my bills. I have sick relatives and student loans, car payments and the money they are taking is too detrimental to my making ends meet. I need the money back baly to pay bills. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Bank of America to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Bank of America put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: IA
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:
The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX  and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a hospital bill from XXXX XXXX that was for {$86.00} from 2014. It was paid and now 5 YEARS later Wakefield and Associates reach out to me asking to pay again. I knew it was a scam that they couldn't prove that it was paid. I looked them up online and indeed, they have been scamming 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 2018-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and experian and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

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 non-monetary relief
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020, with follow ups disputes each month and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible. 

I SENT A POLICY REPORT AND THIS COMPANY IGNORED

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 2017-05-30
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
SN Servicing h as been lying to me thinking I 'm under review for a loan modification/ loan work out since last year and no I found out that they have set a foreclosure sale date for   XX/XX/2017 .   <P/> I also found out that on the notice of sale they have increased my loan balance from {$49000.00} to {$85000.00} in just 3 days.  <P/> Please help me sin ce SN Mor tgage is taking advantage of my and my family.  <P/><P/> Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Social Finance, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a credit card with SoFi and earned XXXX reward points from this card, which according to their Terms and Conditions I should be able to redeem as {$160.00} to my checking account. 
When I contacted them for redemption- they told me that I need to combine my credit card account ( registered to XXXX ) with my checking account ( registered to XXXX ) and they created a technical request to do that. 
When they combined these 2 accounts into one ( XXXX ) I discovered that they moved my credit card to this account, but they have not moved my earned points. So now I have my credit card registered on XXXX, but my points on XXXX, so I can't redeem them at all. 
I contacted them multiple times, each time I had to spent 1-1.5 hours on the phone, explaining this problem. Their customer service have people with zero understanding and zero willingness to help. All they could do- they created a technical case to move my reward points from old account and promised to call me back. That happened twice. And both times nobody called me back and I received emails like this : " This email is to inform you that the technical issue ticket you reported most recently via ( OIS Ticket # : XXXX ) has been determined to be closed and/or resolved. '' I conclude that they have zero respect to their own customers and zero responsibility to honor their own Terms and Conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Specialized Loan Servicing Holdings LLC
State: OR
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: Investigation took more than 30 days

Complaint:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from Specialized Loan Servicing Company. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what Specialized Loan Servicing sent to them.

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 2016-07-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
It is with disdain that I write again to the CFPB in regard to the non reporting of my mortgage to the credit bureaus, by Wells Fargo. I called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( whom stated he has over 10 years of service ). Yet chose to conduct himself in the most unprofessional manner that I have come across and XXXX XXXX as well. My point of contact XXXX XXXX has failed to return calls and or email messages. In speaking with all representatives concerning this matter I was met with, combative, unprofessional, abrasive and confrontational attitudes and behaviors by all with the exception of XXXX XXXX. Additionally I have sent several messages to XXXX XXXX as well, whom chooses not to return my calls and or emails. This is protocol with the executive offices and with this latest correspondence, I have forwarded this email to the Executive offices in hopes of receiving a response, yet not one has yet reached out. Additionally, I encourage the CFPB offices to pull all calls placed to the executive offices by myself, for the past week and a half. This so you can absorb the full scope of what goes on in the executive offices on the daily basis.

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 2020-03-04
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As far as I can remember, I never owed money from anywhere else, but on XXXX of XXXX, all for sudden and out of blue, I have received mail from collection agency and they are called 'Credit International Corporation ' stating that I have debt that went to their collection agency and stating that there is interest amount as well. but never received any other validation email from those folks prior to receiving this mail today. And I'm pretty sure I never used any service or goods without paying anything or never had a call from anywhere that I had due from them ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX Regional Finance located at XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX attempted to contact me at work again, I have told them before that they can't contact me at work. This is not the first time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XXXX @ XXXX. I spoke with customer service department of Capital One regarding their Hoarding activities for Excessive interest charges. My account was paid in full XX/XX/22 in the amount of XXXX. prior to this activity, Capital One lowered my credit limit of XXXX thus causing my utilization rate to change for their likings with the credit bureaus. 
this is the metrics they use on people of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.

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 2018-03-16
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen to use to open Barclays XXXX  card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.

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 2020-03-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with citibank and have wrongfully been denied availablility of my funds from my VA benefits. I have tried to resolve this with the bank many times includint today at XXXX via phone and was told that i would have access to my funds immediatly and which was a lie. I would like this bank investigated for giving false information numerous times regarding my account and have caused me to get behind on bills and issues getting appointments.

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 2020-03-03
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
XXXX Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from American Express. Additionally the date that the American Express account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and American Express and/or XXXX have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because American Express failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with XXXX, but their web portal won't allow a consumer statement. At my request, XXXX escalated the matter to a XXXX XXXX, supervisor of technical services, but  XXXX advises that she is not willing to correct this problem, and that what I see is what I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America, has not dealt with our loan modifications in good faith. In the past, they claimed the investor never approved the loan modifications. On XX/XX/XXXX, Bank ofAmerica responded to our complaint, and they claimed I filed for Bankruptcy ( BK ) protection in XX/XX/XXXX. I did not file for BK protection in XX/XX/XXXX. Furthermore, my attorney has researched the federal records & my name does not appear in the federal BK database for this period. In the same letter, they claimed to have granted a loan modification on XX/XX/XXXX, which was not accepted by me. It would have been impossible to accept their offer since we never received their letter with their favorable decision. 
I would have accepted their proposed modification immediately upon delivery. I have invested time and capital to secure a modification, it is not logical to for us to not respond to a favorable offer. At this moment, I request Bank of America to reinstate their offer and mail the notification via certified mail. The foreclosure of our home would have a devastating impact on our extended family. Please treat us fairly and negotiate in good faith.

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