BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Letter dated XX/XX/XXXX from Equifax address XXXX XXXX XXXX XXXX, GA XXXX states Credit Score is XXXX when online report accessed via XXXX XXXX clearly shows XXXX, which is already being disputed via CFPB. 

CURRENT PROBLEM relates to above noted letter that lists Two Contact Phone # 's ... .NONE of which provide option to SPEAK with Equifax Customer Service Representative. ( XXXX ) XXXX only gives options to Freeze or Place Restrictions on Credit which is NOT my issue ... .BUT letter States : " The confirmation number for this Score Report is : XXXX. If you need to Speak with a customer service representative concerning the information on this Score Report, please call ( XXXX ) XXXX and have the Score Report confirmation number available ''. 
** After 20 minutes of Only reaching automated prompts that do NOT give me option to SPEAK with anyone. 
Attempted to Speak with representative via XXXX which Does give Option ( # 5 ) to speak wirh representative related to OTHER ISSUES ... .however I was automatically disconnected TWICE even though I followed Prompts Instructions. 

I am working to refinance my mortgage and the inability to EASILY reach Equifax to resolve an error related to a 52 Point Score DROP on my Equifax Credit Score is what I'm Trying to dispute since NO factors reported in the What's Changed section of Equifax Credit Report updated on XX/XX/XXXX would cause a decrease ... .the " What's Changed '' section for XX/XX/XXXX Report Correctly shows balance REDUCTIONS on 4 accounts which resulted in a Six Point Increase on my XXXX Report. 

RECAP : ... This complaint is to notate my inability to SPEAK to a Customer Service Representative using the telephone numers provided in letter from Equifax that Incorrectly states my Credit Score as of XX/XX/XXXX is XXXX ... when on this Dame Date the Equifax Online Report accessed via XXXX XXXX clearly show XXXX?? 
This ERROR by Equifax has had a negative impact on my ability to obtain a mortgage refince loan AND NOW ... .I simply can not reach a LIVE body at the Equifax Phone Numbers Provided BY Equifax in letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: ERC
State: KS
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:
Enhanced Recovery has XXXX filed a collection account against my credit reports for a bill to XXXX that I do not owe. The collection was originally placed last week. I verified with XXXX that the debt is not owed and Enhanced Recovery removed the collection. Today, Enhanced Recovery placed the collection back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I tried taking out money at an atm but it did n't let me {$600.00} instead it blocked my card and it said to contact my bank for this matter.this happened after work around XXXX. So I have my mobile bank app I go paperless..I open my app and first thing that pops is a alert saying if it was me trying to take out money at a near atm..so I pressed yes, this after me going back home. After I press it i t takes me to my bank balance where I see that automatically it debited XXXX which I never even took out. I called right away after an hour on hold I get a bank of america person to help me..he tells me the card is now ready to use, I say ok what about the money? He says it should be credited within 48 hrs, so I check the following day, nothing. Until the second day I check and it got erased from my statement history like it never happened but the total is the same as when it was deducted. I call right away and they say they credited back and it was cleared because it was done so it had n't happened but I told them the balance is still XXXX less she said is not, I told her I knkw the total I had before the XXXX were deducted. XXXX I was asked if I wanted to open a claim I said yes, so they credited the XXXX temporarily until the investigation took effect, a month later I receive a letter that it was denied after being investigated and that the money was going to be reversed, I call the bank again very disappointed and mad, and tell them about the situation again they said XXXX case is closed I ca n't do anything about it anymore, I said how is that I ca n't just loose XXXX just like nothing, I 'm a single mom of XXXX and XXXX is almost a whole paycheck for me, she said sorry I ca n't help you she said only I can help by moving the date of the money being reversed back to a month away, I was like moving the date or not is not going to give me back the money I lost..I do n't know what else to do I am very dissapointed, sad, upset..I have bills to pay and my schooling as well, I hope you can help

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 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GU
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX XXXX spouse and I purchased a home from family in XXXX XXXX. We were sadly over charged after a second, pricier appraisal. Also, our mortgage lender, XXXX XXXX XXXX XXXX, was seized and closed by the federal government. Bank of America assumed our mortgage. Since XXXX XXXX the insurances and taxes in our area have soared. Many homes around us did not rebuild and still are boarded up. Because of this we owe more than the home is worth. We XXXX XXXX to XXXX in XXXX XXXX. We have been lucky to have renters until now. We are having trouble finding tenants and/or selling the home without losing so much money. Could you please help me understand our options at this point. We lose money every month on this home and it is very stressful. Next month I will start paying house notes out of our own pocket if we can not find a tenant. We would love to sell the home. I attended a Roundtable event with XXXX XXXX XXXX last XXXX. I remember her mentioning a type of forgiveness if the home was a short sell due to military moves. Please advise.

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 2015-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has compromised my property into a short sale, after a long-term application for a Forbearance on my property. The Bank consumed much of my time, and energy through this process very poorly over a three month process. At the time I was collecting unemployment, my case worker indicated that the IRS form I needed to fill out to show whether or not I was in hardship. As a consequence, I was advised at least four times that my form to the IRS was filled out inaccurately, and had to resubmit the form. I was accused that the form was altered per the IRS comments, or other reasons that this form was filled out incorrectly. 
Further, I was advised by the loan modification group that this was the only piece of information was missing to complete my hardship modification. The process began XXXX XXXX, and did not end until I received a letter from the bank late XXXX indicating my only option is a short sale. 
Thus, putting my home into jeopardy of a foreclosure. I called the bank and discovered my only option ( prior to the last two days prior to transferring my loan to another bank ) was to pay back the two months to avoid a short sale by Bank of America. 
The bank 's management of the loan modification group mentioned I was not required to pay my mortgage payments, during the modification process prior to selling my loan effective XXXX XXXX, 2015 to XXXX, XXXX who has now taken over my loan??? I was advised further by management to discover if the new lender had options for me, which I have no idea who this bank is or what the lending practices are. This above issues, and process has caused me emotional duress, much time loss, and hardship, because now Bank of America is making me repay due to the banks error the payments, I was not required to pay. I was provided 30 days to Appeal, but how can I Appeal a decision when my mortgage was sold. I was only notified by mail that my mortgage was sold during the modification process. I also can provide several supportive documents to validate my claim with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX 2009 there was a return payment on my Bank of America credit card account. From that point on I have been charged for a cash advance, and my interest rate went from 7 % to 24 % I have made every payment due and also paid the month of the NSF. My account has remained current from the beginning of the loan until now. I recently contact Bank of Amercia about this discrepancy and they stated it was nothing they could do. Please help..

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 2016-10-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Capital One made a business decision to close personal lines of credit used as " overdraft protection ''. I have been a customer/had the line for no less than 10 years. While I have no issue with that, they gave zero advance notice. I made financial decisions ( planned ) based upon the account ( which I've had at least 10 years ) -- due to Covid hardship was planning on using the line until 401K loan processed. Due to the fact they closed with zero notice there have been several consequences ... ( 1 ) I was embarrassed when the card was declined at a restaurant. ( 2 ) any checks outstanding over the next week ( until loan comes through ) might bounce -- anything that attempting clear today will bounce as I don't have time to even move funds from savings accounts over. ( 3 ) potential of overdraft fees as my checking account is at XXXX -- again PLANNED based upon having the line and timing from borrowing from other sources. 

Again, I have no issue with there closing the line ( I have/will move my business elsewhere ). This complaint is around the lack of a reasonable timeframe to adjust my finances without negative impacts to me. Thanks! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Midwest Service Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Manager there told me that she answers to no one. I asked where I can report her and she said there was no where to report her and there was no need to try as my problem will only be solved through her. Luckily we live in the day of information. I would highly recommend reviewing the number of complaints about this facility. XXXX reviews show that every person who calls gets this same treatment.. The manager I spoke to informed me that she answers to no one so I assume that 's how she runs her whole department. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was made aware today that MOHELA has been calling family members for the past week looking for me. They were told repeatedly that I do not live there but still continued to harass him. I spoke with them today and they said I must have provided them with the number but this is false and they did not take the matter seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: UNITED SECURITY FINANCIAL
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage for my rental home was sold by XXXX Mortgage to United Security Financial in XXXX of this year ( 2015 ). We are in the military and had recently moved to another duty station. Unfortunately, I had n't updated my address on their website and missed that notification. I was not notified by email or through the secure messaging system on their website. 

I kept sending my loan payments to XXXX each month on an auto bill-pay. They sent the first XXXX payments to the new company, but stopped at that point and instead starded sending them to the address they had on file ... for 3 months after that. My bank has a widget on their website that tells me my credit score, and I wondered why it was dropping. I previously had excellent credit ( XXXX ) and it was tanking ( now XXXX ). We received a phone call from the new company requesting our updated information but I did n't feel comfortable sending my personal info without checking with the company with which I was in business. 

I got onto the XXXX website and saw that my last received loan payment was 7 months ago. I sent a secure message on XXXX 's website stating that I did n't know this had happened and asked them to verify that this had taken place. I provided my updated contact info and reminded them that they had my email and could have contacted me in other ways. A few days later I received XXXX checks refunded from XXXX from the XXXX latest months ( but nothing from the XXXX checks sent to my old address ) and a response stating that the sell-off had taken place. I had been paying my mortgage to XXXX for 7 months after it was sold unaware of the problems developing. 

I called the new company to make it right and was told I needed to pay the entire balance owed before I could continue to pay my monthly payments. They had already begun consulting with foreclosure attorneys and also fined me {$310.00} for those services, which they also required me to pay at that point to prevent further losses. I payed the overdue amount from my savings, along with the attorneys fees. 

Today, XXXX XXXX 2015, I 've received a letter from United Security Financial stating that my XXXX XXXX, 2015 payment is overdue and now I owe them {$77.00} in late fees. My payment that is due in the future is overdue?! 

I have emailed XXXX to request the XXXX lost checks be re-sent to my new address and that the money I was charged in attorney 's fees be refunded and am now awaiting their response. 

I 've realized why my credit score was tanking : An incorrect address and a company that did n't care enough to contact me through other means at their disposal. All the while I was paying them monthly, on time and in full. They have insulted my character, and have cost me money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have nothing to do with Midland Credit Management, they bought an old outdated account over 7 years old from XXXX and they have been sending letters after letters to my employer which caused me embarrassed and about to lose my job. Per Fair Credit Report Acts, this account was over 7 years old and need to be removed from my credit profile, I have sent them many requests and they have never response but instead keep sending collection to my employer instead of my home address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are in the process of completing a mortgage closing and approval when a problem arose. we applying for a XXXX XXXX loan which require-sour credit history with our past HSBC mortgage company. We Completed short sale in XXXX 2015 with all the approval and requirements set forth by HSBC.We have pleaded, asked as politely as possible and begged for HSBC to report the trade line and show the short sale as required to get loan approval by XXXX XXXX I believe. 
We tried for close to a year or more submitted paper work to HSBC to hardship department. We where seeking a fixed and lower rates to stop the continued elevation of the already too high 9 % as compared to rates at the time. HSBC dragged their feet and never provided an acceptable solution. 
WE NOW HAVE AN OPPORTUNITY TO RESOLVE OUR ISSUES AND HSBC PROVIDES NO HELP. 
HSBC is the worst company I have ever worked with .HSBC s not customer friendly. HSBC does not believe in the american dream of owning a home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
on XX/XX/XXXX I called american express to get a replacement card I was told It will be mailed to my address in 4 busniss days, After a week I called them back because I did not get the card and everytime I call them I get the same answer.On XX/XX/XXXX I call them and said If I do not get my card I will have to close the account then the representative close the account and hung up on with reading the disclosure to me or asking me for my approval, then they took away all cash back money, And ever since that time I call them over 20 times to solve my problem and everytime I get the same answer that said we will reinstate the account in 48 hours and now its been two weeks and nobody did anything to help me.

Company response to consumer: Closed with non-monetary relief