BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company has been collecting taxes in escrow account since I refinanced mortgage in XX/XX/XXXX. Taxes were due to XX/XX/XXXX and I got a notice from the county ( XXXX ) during week of XXXX  at which point I contacted the mortgage company ( The Money Source ( XXXX XXXX XXXX https XXXX XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Every time I was told that their team is researching the parcel number ( XXXX ) for property and I provided Property Parcel number from the county notice. Its been more than a month since I started following up and have been receiving the same response without any resolution. As of XX/XX/XXXX the property tax is going to be 2 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: LDF Holdings, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I took out a loan with Radiant Cash. I have had no issues paying back the loan. However, I have not way to validate the debt and the exact amount owed because their site www.radiantcashs.com has not been active. I am only left to communicate to the company by phone or email. I have asked several time to provide a formal document of the amount owed and pay off date. At this time I have had to rely on information provided by a representative which is not sufficient. As a consumer, I have the right to receive formal documentation of a debt that is owed including all associated charges and interests associated with the debt. 
XXXX-Email sent requesting debt information and balances. A response was received telling me the amount from a representative that I owe {$210.00}. The original loan amount was {$400.00} and this loan was taken out around XX/XX/2020. 

I attempted to call the number they provided XXXX and it is a non working number. I have also found out that this company has been recently involved in a lawsuit for deceptive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of the West on XX/XX/XXXX for XXXX $ Deposited brought available XXXX $ from a XXXX balance. This showed available online. Later the funds were manipulated somehow after I conducted businesses with the available funds of XXXX XXXX Later that evening the funds reversed without any activity and a letter was sent about the error the following day addressing that there was a bank error to no fault of my own. I proceeded as it directed and was refused at the XXXX wells branch by a bank manager who claims she knew what that letter was and didnt want to see it and told me to leave that my account was going to be closed. 

Secondly in that same month XXXX XXXX came into the account by mobile deposit and XXXX $ came available which I made payment to my auto insurance XXXX XXXX with confirmation number available upon request. The payment was recinded and my account was closed later receiving a statement with no history of the payment. I phoned about it with XXXX XXXX and they could not provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Ability Recovery Service XXXX XXXX, Wyoming, XXXX XXXX by phone concerning a medical debt from XXXX XXXX XXXX in 2017. When they first contacted me, I explained to them that I am a XXXX Veteran with a service connection rating of 100 percent by the US Department of Veterans Affairs and if they would mail me a statement verifying the debt of {$2000.00} that I would turn it in so the VA could pay it. They demanded that I pay something on it now. I explained to them again that I needed something in writing and updated my mailing address with them so they could mail me a written statement. The person put someone in management on the phone and he eventually told me that they would mail me a statement. After this no statement ever came in the mail and they continued to call me in a harassing manner demanding that I make payments on this debt. I tried explaining again every time they called to mail me a statement. Finally I received a notification from my XXXX  account that they reported this as a negative account to XXXX  and XXXX. I then contacted my credit advisor at XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX and explained what happened and she advised me to file a consumer complaint with FTC. The Department of Veterans Affairs will pay this debt for emergency medical services but they always need written verification of the medical services provided to veterans at civilian hospitals. Also I asked for written verification by mail to avoid identity theft because earlier this year my debit card information was stolen and I had to file reports with FTC and local law enforcement. The actions by Ability Recovery was harassing in nature by the repeated phone calls and vindictive by reporting me to the credit reporting agencies because I was trying to work with them to get this debt paid. Thank you for your assistance on this matter.

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 2016-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had student loans that defaulted. The loans were bought and transferred by several companies before they were rehabilitated. The original lender was XXXXBank XXXX. The loan was bought/transferred to the XXXX and then rehabilitated via XXXX. I disputed the information several times to Experian and they come back with it being validated even though I have provided information stating that the loans have been rehabilitated and derogatory information regarding the loans would be deleted. I have disputed the loan creditors ( XXXXBank XXXX ) with XXXX and the result was letters received stating that the information would be deleted from my credit report file. XXXX and XXXX have removed the information but Experian has not. Further, I was recently denied a mortgage because this information is listed as a serious delinquency on my XXXX Report. I want this information removed immediately. I have also disputed a line of credit from XXXX that I paid in full back in 2013 and a CFPB complaint with the company and it 's collector agreed to delete the information. Again Experian has not. This information needs to be removed immediately.

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 2016-05-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian refused to investigate my identity theft claim of unauthorized and fraudulent accounts and credit inquiries listed on my Experian credit report, even though I filed a police report with the XXXX XXXX Police Department and have a police report on file. Police report case number : XXXX : XXXX. I am a victim of identity theft. The following accounts and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXX Bank, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, 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 non-monetary relief
Consumer complaint received 2022-03-19
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I received a grant from my XXXX for XXXX $ from XXXX. And I informed my bank that I was expecting these funds to come available and that I needed them to be available to me due to a housing emergency and other coinciding events that have progressed. They used the funds before I could even get an alert that they had been used to pay back a provisional credit which had been reversed within minutes after receiving the already delayed payment for Temporary Assistance for Families in Need from the American Rescue Plan grant I received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am attempting to file a dispute with Equifax, however the Equifax online portal will not accept supporting document uploads and messages that their service is down. I attempted to call Equifax during the published business hours on the Equifax website. The answering message confirms the operating hours that are published the Equifax website but says the office is closed and to call back during the days/hours in which I am currently calling. The instructions then suggest to mail the following to Equifax to initiate a dispute : SSN, picture of drivers license, all addresses with in the last five years, along with the request. I would never send all of this information in regular mail, however this seems to be the only way to initiate a dispute with Equifax at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Wells Fargo account was hacked on XX/XX/2022 and two fraudulent wire transfers removed {$22000.00} dollars from two seperate accounts. 
1. {$13000.00} from a XXXXXXXX XXXX  account ending in XXXX XXXX. {$9000.00} from a XXXX XXXX XXXX account ending in XXXX Both accounts have since been closed. I filed a fraud claim with the Wells Fargo Fraud Department on the XXXX of XXXX concerning this matter. Today I received Two resolution of fraud letters stating that on XX/XX/XXXX I authorized a wire transfer for {$13000.00} and {$9000.00} for the benefit of XXXX XXXX. As the money will not be returned from the receiving bank, we are not able to reimburse you. 
At this time we consider your inquiry closed. 
I at no time ever approved a wire transfer from either account on the XX/XX/2022 or any other date.

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 2020-12-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had refinance my loan with Cardinal Financials ( XXXX ) around XXXX, switch from XXXX. And that time my loan was XXXX. And I had refinance amount was XXXX including the closing costs, and also I had paid some closing cost amount, i.e. approx. XXXX. 

During shopping for refinance, I was using XXXX as approximate amount, as it took some time and I had been paying the XXXX and eventually I took a loan of XXXX. 

Only in he month of XXXX XXXX XXXX I realized, that the mortgage company is taking money form on the basis of XXXX and they used it as deferred loan which I was never aware of. 
I have been following up with them for the last 2-3 months on the same, but it's not getting resolved. 

I sent so many mail and calls and even now I'm on a call which is kept on hold for the last 35 mins. It ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Riverwalk Financial Corporation
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late XX/XX/XXXX, I was notified through XXXX XXXX, that XXXX XXXX  had placed a collection item on my credit report. I called XXXX  and spoke to a representative. I advised them that I have not been a student in near 18 years and was unaware of any private loans or balances owed to anyone. The woman stated the only information she had was that the account was purchased in XX/XX/XXXX. I requested verification of debt. I have never received such. I disputed the account through XXXX XXXX and the account was removed from my credit report. I have now been advised again that they are reporting this debt. I am unaware of any outstanding debt owed for higher education. Furthermore, I have never received VOD upon request to the company. The Company, in effort to avoid illegal practices under the FCRA and FDCPA are placing an account with an open date of XX/XX/XXXX. If there was a higher education debt, it would most certainly be time barred as I have not been a student in nearly two decades. The company would be manipulating the date of the account in order to credit report it. This would be a direct violation of the FDCPA ( deceptive means ) and the FCRA ( manipulation of date ). I Demand the account, without negative effect or notation, be removed from my credit reports immediately. I have suffered damages as a result of Deville 's illegal and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

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 2017-03-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Loans were in deferment ; I thought that the loans were still in deferment but unfortunately, the deferment expired. Navient transferred the loan to Pioneer Credit Recovery Inc. This company is unbelievable. Not only are they calling my cell phone 4 to 5 times per day, but they are also calling my employer, my wife, my parents, my brother and his wife, my XXXX adult step kids, and my wife 's ex-husband. I am assuming there are others, but those folks are probably too embarrassed to say anything to me. Pioneer has also shared in full detail the reason why they are calling with my wife ( who is not on these student loans ). I am quite sure this company has shared in detail with other folks, too. I do not feel comfortable speaking with Pioneer. I am considering hiring an attorney to deal with this company because I believe my rights have been violated. I also feel they are violating the rights of everyone they are calling. THIS IS HARASSMENT!!!!! It is out of control!!!

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 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Upon graduation I was never advised that by consolidating my loans I would give up my six month deferral. I was then put into a forbearance ; leading me to end up with capitalized interest that I was not warned of. 
Since then I have been steered into several more forbearances when I have called about having financial difficulties. Even though I have paid the full interest accumulated during each ; at the end of the term I have been refinanced. This has led to my interest being all front loaded again. After 10 years I still owe almost $ XXXX of loans on less than $ XXXX borrowed. I have requested they pull my Promissory Note, and they have refused. 
I have also had problems with the servicer not reporting my name change to the guarantor. This led to me being unable to access my NSLDS information. It took 3 years and a threat to contact the Education Department to get this corrected. 
XXXX, now Navient, have caused me nothing but stress, undue hardship, and cost me more in interest than any graduated student should have to face. These unfair lending practices need to be stopped. Borrowers should also be compensated for their suffering at the hands of deceptive loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Fidelity National Financial, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After reviewing your postal mail letter I get the feel that I might not have explained things well enough. The XXXX XXXX policy dated XX/XX/XXXX that I originally sent you ( you can check the attachments online ) and you sent back to me has a legal description that is not anywhere close to the deed 's legal description. Outside of the wrong location the policy that you mailed me does NOT call out the seconds the policy contains only the degrees and the minutes and has no seconds in the legal description which means that the accuracy of the insured location without seconds means that the subject property could be several house away or even several blocks away. I attached the XXXX policy I picked up at the XXXX XXXX office in XXXX XXXX on XX/XX/XXXX and that policy also shows only minutes and degrees with no seconds meaning that the location could be blocks away from my house. In addition the legal description on the deed is very different. 
I looked all over and finally found the legal description page from the original purchase title policy and the legal description matches the deed. I remember getting a phone call from XXXX XXXX who asked me to locate the title policy and call him back. I located the policy and called him back and he told me to destroy that copy because it will cause confusion and faxed me another copy on XX/XX/XXXX. XXXX went as far as calling me back and asking where the page was and I told him in was in the garbage and that I should tear it up and I told him that I would tear it up. I grew suspicious when I hung up the phone and took the page out and put it aside, so there is the original. I am not sure if you are aware of the phone tampering and caller ID spoofing, call interception and voice impersonation I have been subjected to but it is clear I am being embezzled and I get the feeling that my problems started when I bought the house. Please take a look at all three attachments and PLEASE send me back a copy of the title policy with the insured location with an acceptable legal description that includes the degrees, minutes and seconds.

Company response to consumer: Closed with explanation