BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield continues to try to collect a debt from me that is WELL ABOVE what the amount I actually owe is, almost double the amount actually. They are also not accurately representing the date on the debt. I have repeatedly disputed the information, and they can never seem to produce the requested information but continues to blatantly lie on my credit report. Nowhere on my lease does it indicate they are allowed to charge any interest on the debt. They are mailing and calling me with wrong information also. I am willing to work something out with them, but not when they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX recently transitioned from XXXX XXXX to Goldman Sachs. I have never received a card or a new account number. Prior to them taking over I paid my monthly statement in full to XXXX XXXX, account ending in XXXX. The last payment due XX/XX/XXXX for XXXX was paid in full to XXXX XXXX before the due date via electronic payment. Goldman Sachs took over XXXX XXXX in XXXX and I got a bill dated XX/XX/XXXX that I am behind in a payment to them for XXXX. There customer service staff said it was due XX/XX/XXXX??? I explained it is dated XX/XX/XXXX and XXXX payment was in full to XXXX XXXX. They began sending emails and saying I am behind in payment to an account ending in XXXX that " doesn't yet exist '' under them. I don't have an account ending in XXXX and yet their correspondence indicates this is an account they are billing me under. They are saying I am late and the account has been frozen. Yet, when I speak to them they say I am able to make purchases with my XXXX XXXX  number ending in XXXX and to pay the payments to them with the old XXXX XXXX number?? Their Customer Service staff and two Managers seem to have no idea about the new account number being sent in my correspondence, for an account they have yet to send me a card on, and that doesn't exist and that has been " frozen ''. Despite more than 4 phone calls to them, I continue to receive threatening emails from them saying I need to pay XXXX and additional late fees they have tacked on to my most recent purchase XX/XX/2022 for XXXX. I received a letter from them dated XX/XX/2022 saying there is no error and the initial dispute decision is that I owe the money {$6.00}. The last call to CS Rep indicated the first dispute was declined ( which I received in writing as noted above ) and I owe the money. I asked for and spoke with yet another manager, and he was again sending it on to Dispute. Every person I speak with thinks it is strange and I shouldn't owe any fees, but no one seems to be resolving this issue. I am growing weary of speaking with them, with no resolution and getting threatening emails and another statement with late charges and additional fees added to the amount indicated above. Also, the statements are arriving with account number XXXX not XXXX???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. 
Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.

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 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Bank of America had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: ENCORE CAPITAL GROUP INC.
State: AR
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 recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX  XXXX  Acct XXX Bal {$400.00}, XXXX  # XXXX Bal {$130.00}, Midland Credit # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXXDate Opened : XX/XX/2017 Balance : {$3200.00}

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 2020-03-24
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told FirstPoint to not contact me and XX/XX/2020 at XXXX XXXX  and I was threatened to have legal action taken against me and to have any place I work or relatives called and harassed. I told FirstPoint that this debt came from XXXX XXXX and XXXX and I had a cease and desist order for them not to harassed me and I the rep said we will call you when we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

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 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a Kohls credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from XXXX that a hard inquiry was taken on XX/XX/2022 from Kohls/Capital One. I called XXXX and they stated that only Kohls can remove the inquiry. I called Kohls and they said that they will not remove the inquiry. I believe this is fraudulent on the part of Kohls and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. Kohls told me initially ( XXXX different people ) that it doesnt say that!! At this point, XXXX and Kohls are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CrossCountry Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm a first time home buyer and was referred to my lender by the real estate firm I was working with at the time I started this process. The realtor and lender were friends so that is how I got the introduction to this lender. A few weeks later, I terminated my contract with the realtor due to his work ethic. The realtor I fired is the lender 's friend. Ever since I terminated that agreement and signed a contract with a new realtor, my lender has been unresponsive, unprofessional, and nasty. He doesn't answer calls from myself or my realtor, won't answer emails and has been insulting and nasty. We can't get answers to our questions, can't get guidance, and as a first time home buyer this is absolutely terrifying and unwarranted. I have never received such horrible customer service in my life. And it's not just me, my realtor has never dealt with anyone so unprofessional and nasty before either. This needs to be reported so nobody else goes through an experience like this. I'm literally in the dark in the process and have nobody to turn to for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have been unable to use my Cash App Debit Card to pay my website fees for the last 5 months or so. It suddenly completely stopped allowing me to pay for anything associated with my company web hosting, email and domain names all hosted on XXXX XXXX. 

I get an error message every time I try to add the card to my XXXX XXXX account. I have called XXXX XXXX, they say its the banks issue. They advised me to contact Cash App. 

I contacted Cash App, they keep implying I am doing something to cause this error like entering the card info wrong but, I'm sure I know how to pay for items online. 

They have not fixed the problem for XXXX  months now and my company funds are auto deposited into that account so my website keeps going down due to non payment because they wont fix the error. Its causing me loss of business due to my website suspension now more than once! I'd like this issue fixed. I have been able to use this card to pay XXXX XXXX since i got it up until XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2020-03-24
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted the credit bureaus Equifax and XXXX  by mail on 3 occasions requesting an investigation pertaining to this debt they are reporting on my consumer credit reports, that is not my debt. To this date they have not provided any information, and to date have not removed this debt from my consumer reports.They are currently violating my rights under the Fair Debt Reporting Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Navient Solutions, LLC.
State: MD
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 harassing and threatening me and my parents over the past few years. They call up to 10 times a day, sometimes not telling us who they are, and often call repeatedly during the weekends. I sent Navient a cease and desist letter, and received a response from their Ombudsman 's office that all phone communication would stop ( this was done in XX/XX/XXXX ), but today my parents reported to me that they are still calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a date of XXXX to move out. I would like to remain in the home and pay rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got PCS orders elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the XXXX pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. The default was finally cleared in early XXXX ( XXXX ) after they admitted it was a mistake on their end and that we should have never been in default and we were told our application for loan remodification was processing, it would take a couple weeks. We never had to fill out anything for this supposed application. On XXXX we were told the underwriters needed a month. 

We called back on XXXX and were told there was another technical issue and that emails were sent out. We verified the email on file and confirmed nothing was ever sent our way, proving that the company just tells lies to avoid helping their consumers. We spent an hour on hold today and made the representative send the email while on the line, and magically it came in. It turned out to be an applicationfor loan remodification - something we were told was already started back in XXXX. Then we were told the underwriters would need another month after receiving this application. That will put us in XXXX, 5 months of trying to get out of forbearance and making on time payments. This is beyond unacceptable. 

We are tired of the lies from this company. We have tried, tirelessly for 5 months, to modify our loan and be out of forbearance. We have been lied to several times. We have been ignored. We have had our calls dropped by incompetent reps who dont WANT to help. This is now our second formal complaint. We want the company to end our forbearance and to modify this loan asap. We should never have had to wait 5 months and been left as an after thought with this process. It is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These people are rude and unprofessional they did not want to help me at all they hung up in my face when I simply ask to speak to supervisor they threaten me and told me this wold XXXX XXXX my credit they are called XXXX XXXX XXXX I never stayed there never will stay there they refuse to delete this off my credit report doing high pandemic times it has effected me rapidly with great financial hardship they refuse to comply.

Company response to consumer: Closed with explanation