BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have fallen behind on my Mortgage twice in the past year, I was allowed to catch it up with Bi-weekly payments earlier this year. I fell behind again and attempted to do it again and have been refused to submit bi-weekly partial payments this time. I asked for a deferment and was told they do it, but do n't like to. I asked about it again today and they by-passed the question and told me, I had no option other that a full payment.. this was told to me by XXXX a supervisor with 21st Mortgage. at XXXX XXXX XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I've realized some unusual activities on my business account. Someone who named XXXX XXXX XXXX has been included to my account and started to use the account actively. I also realized 2 credit card accounts has been linked to to my business account. I immediately took action by calling the fraud department and visiting BOA financal center at XXXX XXXX, XXXX XXXX. 

Bank of America accepted all fraud reports but the following saying " I've benefited from that account ' which is not true. 

- Account number : XXXX XXXX XXXX XXXX - Case number : XXXX BOA claims there is a withdraw of {$1.00} but I've never opened that account or benefited from it. The name of this account was XXXX XXXX. I never had any relation with XXXX XXXX. 

There is a police report supporting that that I'm a victim of an identity theft and they're following a man who might be suspect living at XXXX XXXX XXXXXXXX XXXX XXXX, FL. 

- XXXX Police Department Case # XXXX ( Police Officer : 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 monetary relief
Consumer complaint received 2016-09-05
Company: Big Picture Loans, LLC
State: ND
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was looking online to get a quick loan for a bill I had neglected that needed to be paid. I selected big Picture Loans. I was approved for {$600.00} with a fee coming to a total of {$800.00}. I talked to the lender over the phone and all that was mentioned was the fee of {$200.00}. I just paid what I thought was my last payment on XXXX/XXXX/XXXX. Making the total {$860.00}. I received an e-mail later on that day that my next payment was scheduled in two weeks. I thought that did n't seem right, and went to check why I still had a due amount. After clicking to review documents I discovered that I was being charged an astronomical amount in 749.4296 % in fees. Making my {$800.00} loan {$4200.00}. I did not agree to this, nor was I informed on such a high rate of interest or I would have not chosen this company. I am beyond enraged that they are getting away with so much of my money. I have paid my due loan of {$800.00} and that should have been that. Not a payoff date of XXXX XXXX for a loan so small.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.

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 2021-12-31
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/21 - I was chatting with Tesla regarding an existing Model 3 located in XXXX XXXX. After a few hours, a Tesla Representative XXXX XXXX called to inform me that there was an available Model 3 available at a much lower cost due to the previous damaged history located up north XXXX. I was told by the representative that I did not need to pick up the car until after the new year because of the holiday and knowing full well I was located in XXXX California. The rep followed the conversation with a text link directing me to the car, and I committed to paying the {$250.00} order fee because of the said car credit savings. 

On XX/XX/21, XXXXXXXX XXXX pst I received a welcome to the Tesla Family detailing tasks that need to be completed. At XXXX XXXX, I followed the Tesla tasks, had my insurance uploaded, had my credit run and was approved, and I paid the {$4500.00} downpayment requirements. 

On XX/XX/21, around mid XXXX XXXX pst I received a text message from a XXXX phone number that I will need to pick up this same day, XX/XX/21, or I will be unmatched to the car. The text message also added a link to model 3 at $ XXXX more as a replacement car located in XXXX XXXX, California, if I choose not to pick up the original model 3 ordered. I explained by responding to the text that there is no way for me to pick up the vehicle before their closing time as I am located in XXXX California and would not be able to drive or fly due to the timing of the request. Moreover, I explained that Tesla had not sent me the agreement to complete the final task or had given me the last date for pick up via the delivery task via Tesla App. 

On XX/XX/21, concurrent to the XXXX text exchanges, I had texted XXXX to inquire about the text messages I was receiving from XXXX and why he did not disclose that this would happen. At XXXX XXXX, XXXX reached out to me via phone after several frantic calls my wife had made to XXXX XXXX Tesla, promising that XXXX the rep would reach out. During our conversation, I explained to XXXX that if I had known, I would not have committed to purchasing the car if the car was never mine to begin with, now Im out {$250.00}, Tesla did a hard pull on my credit, and I made a {$4500.00} payment. I explained to XXXX that Tesla baits and switched me to a more expensive vehicle that I would not want. We finally ended the conversation that the car does not belong to me, and if no one gets matched to the vehicle after the new year, it is like nothing had happened. I told him that he needed to refund me my money, including the non-refundable order fee of {$250.00}. I explained that he should have disclosed this information to me before committing to the car, and now I have a credit pulled on my credit history, which would lower my credit score and out the {$250.00} order fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Advanced Financial XXXX, TENNESSEE Issues : 1 - Charged fees or interest I did n't expect 2 - Ca n't stop lender from charging my bank account I 'm just VERY dissatisfied with their business practices with the XXXX and auto taking my payment 's when I 'm not set up for auto pay - customer service rep verified I was NOT set up as Auto Pay When I first got help from customer service due to my financial situation ( unemployed ) I was under the impression they were going to suspend the interest so what money I could pay at the time would take down the principle balance. As well as keep my account out of collections. I made reduced payments and it still went to interest with just a fraction going towards my principle.. My principle has only gone down about {$20.00} and I 've paid hundred 's of dollars over the past few months and I have not and refuse to not take any more money from this line of credit again. 

The other day ( XX/XX/XXXX ) They automatically took {$230.00} from my account the other day and as stated above I am verified as not on auto pay. On XX/XX/XXXX they auto pulled {$97.00} XXXX CST then another hour later they auto pulled again {$130.00} at XXXX. I had also just paid {$50.00} online about 2 weeks before. 

My account is behind but they know that due to my situation. 
They are kind of hard to deal with. I want the money they took from me back as I do n't think they have the right to auto pull payments if I 'm not set up and did n't give them permission to do so. 

The XXXX is predatory lending. They do n't explain the process and before you know it you are swimming in debt that does n't go down and they feel they are at liberty to take what they want. 

We can only work and make money so fast to keep up, and when they auto take money, it takes from being able to cover basic needs. 

VERY upset with this place, regret borrowing from them. I want resolution to my account. 

If you want any account and balance information please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: AMERICAN EXPRESS COMPANY
State: CO
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 have AMEX platinum credit card, and I added another AMEX gold card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by XXXX, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted AMEX teams, resulting in being bounced back and forth. We have talked to AMEX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: SECURITY CREDIT SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was on a payment plan with this agency for a debt and they wanted me to pay more and repeated called and repeated told me what a loser I was because I could pay more than what I was ( I was and am unemployed ). They then just stopped taking my auto payments and continue to call and send letters. I have asked then not to contact me via phone repeatedly and wrote letters requesting my original payment plan. They ignore it and keep sending me the same letter saying I have ignored them. If I would have been on my payment plan from when they stopped it this debt would be paid. I can even put into words how upsetting this has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had several problems with shellpoint mortgage servicing as you probably hear from consumers on a daily basis since it is the WORST Mortgage company ever for customer service. I have been getting foreclosure letters from Shellpoint and are working with NCHFA ( XXXX housing finance agency ) to get assistance ( medical/decrease in work hardship ) however time is running out and I requested last week ( via shellpoint rep XXXX XXXX ) to know what is my balance and he said that he did not know as they were going to have to order a copy of the Attorneys fees and charges even though my loan has no official " projected foreclosure sale date '' as I was told by this customer service rep. and that it would take 24 hours to fax me a copy of the attorneys fees to my fax machine at my desk ( XXXX XXXX ). Today makes 4 days and the copy of the attorneys fees has not shown up so I called the " only '' number for Shellpoint ( I reached loss mitigation dept. ) and a representative said she was connecting me to the foreclosure dept in XXXX, and some Rude Rep answered the phone, did not say his name, did not identify he was working for shellpoint servicing and said he did understand what I was requesting and asked me to repeat myself, when I repeated myself he said " you know what hold on and hung up the phone on me '' Outrageous customer service!!! I called back to the only number shellpoint has and spoke to one of the reps who keeps trying to get me to speak to another Rep in loss mitigation ( XXXX XXXX ), and I told her I DO NOT want to speak to XXXX XXXX ( this company acts as though XXXX XXXX is the only person working for Shellpoint ) and if I waited for XXXX XXXX to return any of my calls I would be in full foreclosure from waiting. I asked to speak to someone in charge and/or to connect me to the foreclosure dept and the rep just keeps trying to get me to speak to XXXX XXXX, so I ended the call. So in getting the run around from this company, time is running out and it appears that I am being forced into foreclosure sale, which is what I believe this company keeps acting like they want me to do because they keep stalling, please assist me in getting the total cost needed to bring my account current. Thankyou

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I lost my job XX/XX/2021 due to Covid-19 i called and asked the bank to ask if i can have some kind of protection to avoid overdrafts fees as i was not able to deposit any extra funds into my account they told me there was nothing they can do for me they continued to take my child tax credit deposits to cover the overdraft on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-31
Company: EQUIFAX, INC.
State: TX
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 have written to both XXXX, XXXX XXXX, and Equifax multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from STONELEIGH Recovery Associates claiming I have an unpaid debt of {$250.00} at XXXX XXXX Hospital XXXX in XXXX, XXXX. I live in XXXX and have never been to a hospital in XXXX, so this is obviously not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong person hands

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 2016-10-07
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this item several times with no success of this item coming off my XXXX credit report. I have had it removed from XXXX because the debt is not mine. this is very frustrating as I am trying to purchase a home and have debt that is not mine on my credit report that is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted numerous time my credit report agency and every time they would ditch me and give me an stupid excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out

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 2021-12-31
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an online savings account with Marcus by Goldman Sachs. It worked fine in the past. However, starting from the first half of 2021, I consistently had problem log into my account through all of my laptops & a desktop. Every time I went to the account log-in page using those computers, Marcus showed me a blank page. There was no way for me to log in. It has been for more than 8 months that I had challenge simply logging into my account. I called them numerous times but it was never resolved. There were a lot of frustration, even anger. They told me that it might be because of the conflict of antivirus software installed on my computer. The antivirus software I use is XXXX, which is a very popular one in the market. And NO OTHER BANK had this problem. I do not feel comfortable that I have to disable my antivirus software to log into my bank account. The most recent time when I called Marcus might be in XXXX or XX/XX/2021. I requested them to escalate my complaint and solve the problem. After that, the log-in website worked once or twice. Now I have the same problem again! I can still log into through my cell phone APP. However, I dont feel comfortable to use cell phone to log into my savings account and make transactions.

Company response to consumer: Closed with explanation