BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My estimated closing date is XXXX for a condo purchase ( today is XXXX ). All throughout the month I have been reaching out to Bank of America proactively to ask for status, to push for things to get done. For the past week, I have had to push even more because they could not come up with a closing date or provide an update on when my loan can be approved, even though I provided everything they asked me to provide. They provided me with a closing disclosure yesterday without explaining the urgency of me reviewing it ; it was only when my agent told me the importance and urgency that I realized if I did n't review it there would be implications. Luckily I reviewed it before the day was over. With 2 days to closing, and with the seller pushing for a closing date, and with me not knowing my living situation as my lease is expiring and I am to move out of my current unit by the end of the week, Bank of America 's answer is on my pushing for a closing date is as follows : " I ca n't tell you a 100 % date that this will happen because we are working as fast as we can to approve the loan. I believe there is greater than a 50 % chance that the loan will be final approved this week and an extremely high chance of final approval being done next week. '' Does Bank of America expect everyone to just be flexible with their living situations ( including my leasing office in my current unit, and the next tenant to move in ) and just pick up and go whenever they decide to come up with a closing date?? No matter how many times I pointed this out to them, my statement gets ignored. They tell me they have a backlog of applications to review. If they are so overwhelmed with applications, they should not accept that many to begin with! It is unreasonable to assume that a consumer should suffer and put their live on hold because of a bank 's " backlog '', and not provide a consumer with an expected date. For now, I have had to plan to rent a temporary accommodation and put my life on hold until Bank of America decides when it is of their convenience to come back with a closing date to us.

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 2016-04-08
Company: Navient Solutions, LLC.
State: KS
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:
Navient has been contacting and leaving messages with friends who are not listed on the account and do not have anything to do with the account. They have my current information and I have spoken with them on numerous occasions. I know that it is in violation for them to call a third party more than once and leave a messages for/to the third party.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: TENET HEALTHCARE CORPORATION
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX I called Central Financial Control about a medical bill that had been turned over, I told them I could pay $ XXXX monthly, which I have been paying faithfully since XXXX XXXX, yesterday XXXX/XXXX/XXXX, I saw that this account has been placed in collections and it is showing on my credit report, furthermore it is showing on there under XXXX different collections name. I did not get any notice after my call in XXXX and they have been receiving the payments. I feel like this is unfair, I should have gotten some sort of notice before it was added on my credit report,

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 2015-04-17
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I called Transunion abo ut 2 weeks a go because they had a glitch within their company that caused my inquiries to be deleted and then they were re-added without giving m e 5 no tice as is required by law. When I contacted them, I was told that they were not going to remove these inquiries. I am requesting that the following inquiries be deleted from my report, as this is causing an undue hardship and is damaging to my credit.      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   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX ,  XXXX  Please make Transunion stop victimizing me!!     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 2015-07-22
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
Transfer BalancesDiscovercard - when you transfer balances from other cards to Discovercard they have a low rate for a period of time XXXX, but when you make payments they apply to the transferred balance and not the pervious balance on the card which is XXXX .... so there is actually an increase in interest rate to XXXX which is unfair and a fraud type of transaction. 
Al payment should be applied to the older balance due - first in first out. This practice was not disclosed .... the Company when called, says they have to do this by law which is false!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Affirm Holdings, Inc
State: OH
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:
I'm showing a balance of {$500.00} from Affirm on my credit report, where this XXXX account XXXX account number was paid in full. 
XXXX XXXX account balance paid in full also. 
XXXX XXXXXXXX account balance paid in full also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Allied Collection Services, Inc. (Nevada)
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: Information belongs to someone else

Complaint:
On XX/XX/202XXXX XXXX flagged my credit report for a major derogatory in regard to some association with a company called " XXXX '' for the original amount of {$1000.00}. This was done with no prior notice or contact with me in regard to the alleged charge. 

I have no knowledge of this account and do not even know who " XXXX '' is. Allied Collection Service has failed to validate this alleged charge despite my continued efforts to reach out via USPS XXXX Mail with Return Receipts dated ( XX/XX/2022 and XX/XX/2022 ). 

I reached out to all three credit bureaus about this issue on the week of XX/XX/2022 as well as the week of XX/XX/2022 and I feel they did not do their due diligence in investigating this matter. I still have yet to see any forms of supporting documentation tying me to this debt, however it has dropped my credit score over XXXX points and has become a massive issue. 

There is only so much I can do in regard to proving this debt was made up, yet it seems to be standing despite any sort of supporting documentation. 

I received a letter recently from Allied Collection Service dated XX/XX/2022 verifying '' the account, which was basically just a piece of paper with no supporting documentation that said the amount they allege I owe them. 

This has proved nothing, and I still refute any ownership of this debt. I am still waiting to see ANY form of documentation that ties me to this debt what so ever.

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 2019-05-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked XXXX XXXX to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX XXXX, 2017, I opened a credit card from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX  for the amount of {$810.00}. I immediately fell into economic hardship and was unable to pay for my credit card. The credit card company was not willing to work with me during my economic hardship and it has only worsened my situation. My hardship still continues and is directly affecting my chances of acquiring a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: GA
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:
There are many mistakes appear in my report without my understanding.

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 2020-03-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I refer to my earlier complaint # XXXX and the Mortgage Service Company 's response, which is attached. 

It is alarming that the Mortgage Insurance company " XXXX XXXX '' is engaging in two confusing tactics in order to achieve foreclosure on this property : 1- On the one hand XXXX states that it will not approve a short sale because I had purchased another home prior to default. 
2- On the other hand, XXXX engaged in the short sale negotiations in XX/XX/XXXX and stated it won't accept less than {$390000.00}. 

XXXX XXXX is negotiating in bad faith. It can not hang its hat on the rationale that I ( the borrower ) am ineligible for a short sale loss mitigation because I bought another home prior to default, and in the same breath provide a counteroffer of {$390000.00} to the {$380000.00} buyer offer. Furthermore, Mr. Cooper has done its own independent appraisal which valued the house at {$380000.00} in XX/XX/XXXX. 

On the issue of defaulting on the payment after I purchased another home. This is totally coincidental. I had vacated the property in question - the Maryland  Property - in XXXX of XXXX. The property has been rented out to at least 3 tenants until XXXX of XXXX. In XXXX of XXXX, I moved to Florida  in search of a lower cost of living and was able to find employment and bought a primary residence which closed in XX/XX/XXXX. After my last tenant vacated in XXXX of XXXX, I re-listed the Maryland  Property for rent and continued to pay the mortgage for XXXX, XXXX, and XXXX of XXXX. I had no intention to default. Unfortunately, we could not find a new tenant - this is all documented. So, the claim that I purchased a home and decided to default after that is bogus and sophomoric - it is all coincidental. I have documents to prove that I re-listed the house for rental and or sale and continued to pay the mortgage for 3 months in hopes to attract a tenant. 

XXXX can not use the rationale of my having purchased another home before defaulting. The XXXX Property was rented out for 6 years before the default. I had moved to two different states in search of employment ( California  and Florida  ). My last tenant just happened to move out at the same time that I purchased a home. I did not purposefully default. 
As for the counteroffer price of {$390000.00} it is not achievable. The price offered of {$380000.00} agrees well with the independent appraisal completed by Mr. Cooper in XXXX of XXXX which valued the home at about {$380000.00}. Other real estate valuations were done and show a market value of {$370000.00} to {$380000.00}. These other opinions were also forwarded to Mr. Cooper. 

Mr. Cooper as a fiduciary agent of XXXX should reach into XXXX 's upper Management and request a realistic review of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
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:
My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have called Monroe and Main and been put on hold for hours. someone needs to call me from the IT department about the issue with paying my bill. I can not pay it online. My account shows a XXXX balance and it will not recognize my account number. They have sent emails telling me how to fix it but it does not work. They are continuing to report me late without giving me a tool to pay. I will not give you my personal credit or bank info over the phone and will only pay online as I have before, their sollection practice is to lock a consumer out of the billpay system once they are late and to force them to provide bank account info over the phone. If you refuse to provide bank info to a stranger they call numerous times a day ignoring the request to unlock the online pay tool. I have requested they escalate to the compliance department but that was not done. This is the same account service for my Swiss Colony and Seventh Avenue accounts. All are late now and they are not providing an option to pay other than over the phone providing bank account info to a stranger. .My number is XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my credit report from XXXX XXXX XXXX in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor Capital One. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted TransUnion, XXXX and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 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

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: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Per complaint # XXXX, as stated in previous complaint that I did not authorize credit pulls by anyone except those listed in that complaint. I also stated that I was unable to get responses from creditors, which I 'm assuming is because they did n't have my consent and therefore ca n't provide proof

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 2022-03-29
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Equifax continues to report inaccurate information to potential lenders. When I pull my personal credit on the website it shows I have no collections, Yet when I pulled my credit today with a lender, the collection from XXXX XXXX XXXX. They are doing this to hide the fact that they are reporting this collection to potential lenders. This is a deceptive practice because it prevents me from disputing the collection on the site directly with Equifax. They should be fined for this. XXXX XXXX XXXX should also be fined. I will keep filing complaints until they stop being shady. They have the information to report negative information but then claim to your office that they need my ID and social security card. No honest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XX/XX/2016 I closed an account with American express ( card ending in XXXX ). The bill was due on XX/XX/XXXX, but I called them on XX/XX/XXXX and asked them to give me the actual balance including fees and interest. I wrote a check for the amount requested, they received the payment on XX/XX/XXXX and the account was liquidated. On XX/XX/XXXX, I received an email notifying me that I was delinquent on a payment on the same account and there were also late fees applied. When I called Amex to discuss the issues they had me going in circle, promised call back from supervisors but unfortunately no resolution was offered. They ultimately claimed that the difference was due to residual interest and there was no way to remove that charge. On XX/XX/XXXX, I end up paying {$20.00} to avoid further delinquency reports on my credit record but I think these practices are unfair and trying to resolve them is nearly impossible and a time consuming proposition. I decided to close all my personal American Express accounts and to avoid doing business with them in the future and I invite all other costumers that have experience similar issues to do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I have repeatedly asked American Express to stop calling, stating CEASE AND DESIST as I am filing bankruptcy and they continue to harass me, calling my cell phone and landline multiple times a day, often showing up as Unknown or Private Caller.

Company response to consumer: Closed with non-monetary relief