BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have forwarded all required documentation to Wells Fargo Bank regarding a short sale and they have acknowledged receipt of the material. They indicate they are in receipt and blatantly stated that they will not rescind the foreclosure sale date of XX/XX/2016 even though we have a cash buyer who is ready to close escrow. I have been told that they have n't been able to complete their review of the properly submitted material. On numerous occasions they have asked me to re-submit documents that have been sent previously and acknowledge receiving. When I make phone calls and leave messages, it takes them several days to respond, even though it is clear that time is of the essence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
After learning my identity had been stolen back in the early 2000 's last month, I pulled my credit report and found that there had been a credit card issued to someone other than my self, but under my name and information. I immediately disputed it on my credit report and started looking into the matter further. This credit card was a time-barred account, where the creditor had charged it off and sold it to XXXX XXXX XXXX. Both XXXX XXXX and XXXX, XXXX do not hold a surety bond to collect on debt in the State Of Texas. They are also misrepresenting the statute of limitations on this debt, thus violating the FCRA and I 've sent letters in an attempt to have the account removed from my credit report. Captital One no longer owns this account and according to Texas State Law, they are violating the FCRA by continuing to reknew the SOL date. There also has n't been an affort to prove account ownership as well. I have retained an attorney and will include a copy of my contract with the attorney to show my intent to file a lawsuit if this fraudulent account is n't removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
When I applied for XXXX Credit Card, in amount of {$300.00}. to re build my credit and with Care Credit for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, XXXX Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XX/XX/2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add one Credit Card company at time at end so I will do two of these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Macys credit card which had been closed and I was paying off the balance. In XXXX 2017, my minimum balance was {$63.00} and I paid the entire balance by the due date. As far as I knew the card was paid off. I just happened to notice that I had an email from Macys with a balance due of {$6.00}. When I went back through my statements, I saw that in the XXXX statement ( generated after paying it off ) they charged me a fee of {$2.00}. The interest accrued said {$0.00}, but there were fees of {$2.00} and then they charged the same fee of {$2.00} in XXXX and again in XXXX. Since I do n't get paper bills and no longer use that email address, I was not aware this was even going on. I was not concerned since the account had been paid off. When I called them to inquire, they told me it was interest. I 'm not so sure how you can keep paying interest on something that was paid off, and the interest charge even said {$0.00}. I told them I was n't paying it and to fix the charge and supposedly they have reversed it which I have not yet been able to verify. But I ca n't help but wonder how many other people they have done this to.

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 2022-04-18
Company: NCB Management Services Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

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 2017-04-06
Company: MRS BPO, LLC
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A " Deed in Lieu of '' package was sent to me after a 2nd failed attempt to get buyers for the Short Sale of a rental property. My realtor had requested this additional time for the Short Sale since we had a buyer within {$5000.00} of Bank of America 's asking price. Once I read the entire " Deed in Lieu of '' package and realized my obligation would be to leave the property in the condition requested and pay taxes on the amount Bank of America stated in the documents would be reported to IRS, {$3800.00}, I agreed to move forward with this option. Before signing the documents, I called Bank of America, Deed in Lieu of department to verify the Tax amount to be reported to IRS and was told it was accurate. 

The actual XXXX I received last month indicates the amount of debt discharged is {$63000.00}. I called Bank of America to discuss the discrepancy and was told the Deed in Lieu of Dept. made a mistake with the Tax amount. I was told to disregard it and the XXXX was accurate. I argued if I had known this my realtor would have been more aggressive in getting a buyer since we were so close to the Short Sale asking price. I was told it did n't matter. I want to know if I have any recourse with Bank of America and can they be made to lower the amount on the XXXX? 

Let me know if you require anything else. Thanks for your assistance. 

XXXXXXXXXXXX

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 2015-08-25
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I submitted an application to purchase/finance a lawnmower. The company outsources their financing to Synchrony Financial. The address on my drivers license was used for the application. At the time, I advised them I just sold my home ( closing was within the next XXXX weeks XXXX and needed to have the mailing address updated. The following week, I received a phone call from Synchrony Financial requesting I give them my updated mailing address. I gave them the new address and was advised of a future payment date. Today XXXX/XXXX/15 - my payment is due. However, I have not received any documentation regarding the loan and account number. Upon calling the bank, customer service tells me that it was sent to the old address and returned. I advised I would only issue payment if I had supporting documentation for the payment. The company mailed paperwork to an address they knew to be incorrect. The company refused to provide me with an account number although I verified my identity through my date of birth, social security number, old and new addresses, and amount of the loan. They stated they are unable to update an email address over the phone for security reasons. This makes no sense as they are able to update a mailing address over the phone. My customer service rep, XXXX - showed no empathy or concern. After telling me a payment was due today - he snarkly responded to my request for a bill in order to make the payment due with the words, " I 'll mail it and you can get it XXXX business days. '' This type of service is rude and unacceptable. It almost appeared to be a personal attack and deliberate attempt to elicit a late payment fee because they have not provided me with a copy of the payment due/invoice. Nor have they used common and acceptable methods of communication in order to ensure the customer has the information necessary to make prompt payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
XX/XX/2016 ( exact day unk ) I made an online purchase to XXXX XXXX XXXX for a taser holster. The purchase was taking too long to arrive so I contacted the company as to the status of my purchase. I contacted the company via email a few times with responses. The dates are as follows : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. The last date is when I asked for a complete refund because I was getting the run around. Typically when I have made any purchases online I am not charged until the item gets shipped which I found strange with this company. Communication broke down after I requested a refund. I contacted my XXXX Master Card issued by Barclaycard on XX/XX/2016 to dispute the charge and I supplied them with all the emails and receipt for the transaction and was given a case number and told it would take 90 days to get resolved. When I did not hear back from Barclaycard I contacted them on XX/XX/2016 and was told the case has not been resolved until XX/XX/2016. On XX/XX/2016 I recontacted Barclaycard and was told the disputed charge should reflect within 48 hours. On XX/XX/2016 spoke to XXXX at Barclaycard regarding the dispute and was told there was an error and I was given a new case number. I contacted the credit card again on XX/XX/2016 and was told it would take 45 days from XX/XX/2016 to hear back from the merchant. It seems I am once again getting the run around but this time from the credit card as this dispute was first reported to the credit card beginning XX/XX/2016.

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 2017-04-05
Company: Netspend Corporation
State: OK
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I have a skylight payroll card. In the paperwork it ststes if you use their ATM there will be no fees. Yet when i used it to check my balance it charged me a XXXX every time. I used an ATM out of their network and wasnt charged a XXXX. 

There are checks with this pay card that can be used to take your paycheck off the card all at once that you 're supposed to go to XXXX or XXXX to cash. Yet when i tried to use th8os service NOWHERE will cash them anymore. So i called the contact number to cancel the check and have the money put back on the card. They told me it would take 3 business days to put the money back on the card. After 4 business days it still was n't there and i got evicted because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: RJM ACQUISITION LLC
State: OH
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:
IM, FIXING MY CREDIT, FROM THE MONTH OF XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT XX/XX/XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION RJM ACQ LLC., OF THIS AMOUNT IS $ XXXX PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED XXXX XXXX I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..

Company response to consumer: Untimely response
Consumer complaint received 2015-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in Federal Bankruptcy Court in XXXX XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

XXXX XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XX/XX/XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 

As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by BANK OF AMERICA that appears on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Overlimit fee

Complaint:
I transferred a {$10000.00} ( estimated ) balance to a zero interest card Barclaycard us & I get my first statement, I have {$300.00} in interest fees! I call the credit card company, she tells me they will do an " investigation '' and get back with me ... .been 4 months & I have heard nothing!!!! I go on the website to change my due date to a different date, when I have more money in the month ( due to the extremely high payment ). I go on the website 2 weeks late & the date is still not changed. You call the number to the company & " their systems are down, please call back at a different time ''. This company is a sad excuse for a business!!!!!!! Terrible customer service!!!!!!!!!!!

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 2017-03-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received anything by mail no written Validation notice or a phone call if they called my phone they did not leave a message. I just found out about this debt thorugh XXXX when I received an email stating there were changes to my credit report. I checked my credit and saw my score had went down I saw that this company Midland Funding LLC was on my credit report saying I owe XXXX. I called the number on my credit report XXXX The gentlemen that answered never announced the name of the company just picked up and said this call may be recorded or monitored. He could baily speak English he could not under me I could not understand him I got so frustrated I hung up. I took this as being a scam. I looked at my report and saw that the original creditor was XXXX per my credit report that acct has been closed-charged off as bad debt showing amount past due {$0.00} Last reported by XXXX XX/XX/2016 Midland Funding is showing XXXX open date XX/XX/2016. It looks as though Midland Funding brought this acct. How can you but something on my credit report with an owed about that is incorrect and never contacted me or sent me anything by mail I am very upset about this. I will be contacting the credit Bureau to have this removed from my credit report and I will be contacting the Better Business Bureau. Please attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Allied Financial Group & Associates (Closed)
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Phone XXXX XXXX Acct. # XXXX XXXX for a payoff amount for an old car loan ; number shown on credit report is Allied Fin ( XXXX from XXXX XXXX XXXX. Each time I speak with someone at that number, the person on the other line can not verify the account. I challenged XXXX to verify the account, which they respond to say it was verified. When I ask for the number they used, it is the same number to Allied Fin., but when I call Allied Fin., they can not locate the account.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CFBP Explanation to input in : ( can re-word it ) but must have all in the body In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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