BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital one added on {$190.00} dollars to my balance and has raised my payment from XXXX to XXXX with no explanation at all they have received my payments. They refused to set me up an online account so I can have digital copy 's in order to extort an extra XXXX a month in unjustifiable fee 's. Their intention is to get me to default on my loan which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Convergent Resources, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX sent me a shut off notice around XXXX XXXX for {$110.00}. I immediately sent them {$15.00}. They know that I have a partial XXXX and am on a fixed income. But, they shut me off anyway ( The money order may not have made it before the shutoff ). I then sent them {$27.00} the following month towards a {$120.00} bill ( I had not realised that they sent me a collection fee of {$18.00} and did not understand why the bill was different but thought it was just the last reading ). The name of the collection agency is Convergent and I have contacted them because their bill states {$130.00}. At this time, I do not have the account # for Convergent, but do have the XXXX account # XXXX for which I have paid {$42.00} of the {$120.00}. Convergent states I owe {$130.00} even though the current online XXXX states {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Bank of America Checking account was open in my name without my knowledge. 
Received a bank statement in the mail with a XXXX balance for the month of XX/XX/XXXX thru XX/XX/XXXX no transactions Received another bank statement with no truncations and a service fee of {$4.00} for time frame XX/XX/XXXX thru XX/XX/XXXX I have never banked with Bank of America

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 2015-12-30
Company: Debt Recovery Solutions, LLC
State: VA
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:
I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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:
I received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account

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 2020-06-14
Company: Experian Information Solutions Inc.
State: TN
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:
This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.

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 2020-06-14
Company: Experian Information Solutions Inc.
State: NY
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:
Try to dispute an account that is over 7 years old. XXXX XXXX XXXX repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with Experian. I tried disputing it twice throught Experian both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. XXXX wrote off the account and are now trying to double dip 7 years later and Experian is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains

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 2016-02-18
Company: FirstPoint Collection Resources
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company is reporting that I owe them a debt. To the best of my knowledge this company has never provided a service to me and I have never agreed to pay them for said services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX  XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXXXXXX not my account

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 2019-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX  XXXX not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi. A little history. My mortgage has been sold to 4 different companies. Each company would change my mortgage ( including escrow ) starting at {$1200.00}, monthly to now {$1700.00}, without explanation. My interest rate is 4 % and my principal and interest is {$860.00} and a now 49 year term since it was sold to the last bank. Originally I was at a 30 year fixed. Im not sure where the mistake happened, and there is no explanation. To top it off, Covid hit and I was forced into forbearance due to covid hardship, at which point it had to be extended. I wasnt able to make payments during the forbearance program, and requested a loan modification with the bank. Ive been applying since XXXX of XXXX. I completed a loan modification packet and documents to support the application, only to have the bank prolong the review by telling me they never received the supporting documents. I would forward them again, only to be told other documents were needed also. This went on until XXXX. Finally I got a denial letter, and was told if I wanted to appeal, and I did. It was knocked down in 1 day, with a denial. After numerous calls, I was Told that unless I can make my 1742 monthly payments, I will keep getting a denial. Why. I thought a loan modification is to modify your loan to affordable payments. Not keep it the same. Nonetheless, I was told to resubmit a new application, which I did. I sent in another packet with the supporting documents. Ive called them on a weekly basis. Now its under review. Im getting a gut feeling that it will be denied again. Ive been living in my house since XXXX. I raised XXXX boys in this house, only to have my eldest son XXXX XXXX XXXX XXXX XXXX I have all his memories in this house and dont want to lose them. I am Incapable of paying the forbearance amount due. 
Covid caused hour reduction at my job. I went from 35-40 hrs to 12 hours a week. I am in over my head. Credit wise as well. 
I was asked why we dont sell. My house is in a lawsuit with the insurance company, for poor workmanship. I havent been released from the insurance company and things still need to be addressed. 
I feel as though Im getting the run around from this bank. 
I have bank forced home owners insurance because no insurance company will insure us due to still having an open claim. However, I used to have a XXXX principal and interest, with a XXXX interest rate and escrow at $ XXXX monthly on a 30 year fixed term. Now Im at 4 %, a 49 year term and having to pay {$64.00} dollars less. Doesnt make sense Any help will be truly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I placed an order at Walmart.com using my fairly new Walmart credit card, issued by GE Money Bank. Weeks later, the order had not been processed, so when I inquired, a rep said the order was n't processed, and I 'd be issued a refund. I never got any confirmation, and after several more communications during which I was assured the incident would be " escalated, '' no further communication has taken place on the part of Walmart, and no refund has been issued. The charge continues to accrue interest on my account, and I have received no products, after nearly a month. The lack of communication and ability to process orders and refunds on Walmart 's part is appalling. The incident number is XXXX. Please advise on how to proceed before my credit becomes damaged my their ineptitude. Also, please note that Walmart has never once issued me any statement -- electronic or otherwise -- even after I asked in person on the phone for PAPER billing. Not a word. It appears that Walmart is neglecting to bill people, hoping that they forget to pay their bills, in order to rack up late fees and interest. That is inexcusable. Thank you greatly.

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 2020-04-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called on XX/XX/2020 to inform that I had lost my income weeks prior due to XXXX response, and that I could not make the XXXX and XXXX Payments. We discussed a forbearance program where they agreed to not continue collections and to put off our due dates for 3 months. I was told they would determine how to address the forbearance when the program ended. 

I received a letter dated XX/XX/XXXX, detailing the forbearance agreement which includes a balloon payment of {$15000.00} on XX/XX/XXXX. I then received an XX/XX/XXXX letter informing me that my loan was in default. Both of these actions appear to clearly be collection activities. 

I called the company when I received the second letter, still trying to figure out how to reply to the first. On that call of XX/XX/XXXX I was informed that the loan was indeed in default because of my missed payments and that it outlined my options. 

This hardly seems to be in the spirit of the government guidelines regarding the COVID-19 emergency. I most certainly will not be in a position to pay that balloon payment on XX/XX/XXXX. 

Contradicting their Plan details, they have mentioned in the letters an ability to, at the end of the plan term, discuss Deferral, a Balloon payment or submitting applications for a repayment plan, mortgage modification, short sale or deed in lieu of foreclosure. 

I have already attempted recently to get a mortgage modification and was denied. I don't see how after this mess and under the cloud of a default I will receive a different reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: NEW CITY FUNDING CORP.
State: NY
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:
Try to dispute an account that is over 7 years old. New City Funding repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with XXXX. I tried disputing it twice throught XXXX  both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. NCF wrote off the account and are now trying to double dip 7 years later and XXXX  is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Google Compare Credit Cards Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Google Pay is refusing to pay out a {$10.00} cashback deal for spending {$25.00} or more. On XX/XX/11, I bought {$30.00} of goods at XXXX with the offer activated and using my linked card. The goods were stamps and envelopes, which are not prohibited in the terms. XXXX is claiming that my previous purchase at XXXX earlier last week, which was for a {$25.00} gift card that I thought would activate the offer but was invalid for the offer, was actually when I used the offer. This is clearly not true, as the offer still shows activated on my phone and there is no description in the terms that it is invalidated when you make a gift card purchase. I have emailed them, but their support is not cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: NC
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 have disputed this account on many occasions with Equifax, XXXX and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX2016 payment history has No Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Other

Complaint:
This complaint is in reference to a Barclay account. On XXXX/XXXX/XXXX I sent a request certified mail for a copy of the ACH/electronic payment authorizations ( see attached Barclaycard Letter to Send Request, Barclaycard certified mail receipt and BarclaycardletterforACH ) because this account seems to have been confused and link to a bankruptcy that I filed in XXXX ( see attached BarclayBKACHaccount and Barclayincorrectinfo ) I have not heard anything back from Barclay in reference to the request for ACH/electronic payment authorizations. I checked in person with the Post Office on XXXX/XXXX/XXXX it has been delivered to the P.O. Box but never pickup. I used the address provided by Barclay in the CFPB complaint response # XXXX at the bottom of their letter Card Services P.O. Box XXXX XXXX, DE XXXX Also I disputed both of these accounts with the CRA 's. The Barclay account # XXXX, this is not even a valid account number with any accounts that I ever had in XXXX. Nor did I pay an account off with Barclay in XXXX. 
Barclay Account number ending # XXXX was link to a bank account for ACH/electronic transfer that was listed in a BK in 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