BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In  XX/XX/XXXX  we initiated a Modification of our mortgage through Bank of America and the Making Home affordable program.   We received a letter  XX/XX/XXXX , that The Home Affordable Modification Program " Has expanded its Pay for Performance incentive to include an ADDITIONAL {$5000.00} payable after the six year anniversary of your Trial Plan Effective Date.   We were very excited to receive this letter, however, Noticing it says " additional '', I looked up the   XXXX   XXXX   XXXX  , To see what the incentives were and found that we were to receive {$1000.00} per year for each of the first five years of our modification if we made our payments on time. We did not receive, so I called in  XX/XX/XXXX  to inquire as to why we did not receive the {$1000.00} per year, each of the first five years. We did receive it in  XX/XX/XXXX .   Now, our sixth Anniversary of o ur Trial plan has come and gone and I have reached out four times to four or five customer service representatives to inquire about the " Additional Incentive '' and have been told three different reasons  why it has not been applied to our mortgage. According to   XXXX   XXXX   XXXX   It says Through the Home Affordable Modification ProgramSM ( HAMP ), you could earn up to {$10000.00} in principal reduction just for making your mortgage payments in full and on timeup to {$1000.00} per year for the first five years and a {$5000.00} one-time payment at the end of year six. After year  six,   yo u may be  eligible to recast ( or re-amortize ) your reduced mortgage balance to further lower your monthly mortgage payment for the life of the loan.   We were also told we qualify for the incentive, but have to Recast the mortgage to receive? According to the  XXXX   XXXX  and   XXXX   XXXX    Bulletins, We may b e " offered '' to Recast, but it is not mandatory to receive the second incentive. We were told it was by a Bank of America Representative  (   XXXX   ) i n the  XX/XX/XXXX  call, recorded by your company at  XXXX   XXXX .   Any help in solving this issue, is greatly appreciated.

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 2017-06-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with the respondent. The account number is XXXX. 

The mortgage repeatedly is past due despite the fact that I have consecutive monthly withdraws sent from my bank. This time I caught the annual fee, which I swear was not disclosed during the application process. The respondent swears that I have an outstanding payment of {$130.00}

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 2022-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card account at Wells Fargo in my name. There is a balance of over {$32000.00} and it is delinquent. I dont not have an account with Wells Fargo

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 2019-12-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband lost his job and he was without a job for 8 months and the mortgage went from XXXX to XXXX because we didnt do the start program. We started the process of the loan modification and we made 3 payments in a roll. One day we received a letter saying that we going into foreclosure. The letter include the name of the case manager with an extension number we started calling and we couldnt reach him so when other representatives answers the phone they cant give you information about our case. One day finally other case manager tell us that the modification process was denied because we have a hold in the tittle. The house was purchased in XXXX and the hold was for a ticket in XXXX. We put 20 % of down payment. So they tell us to started the process again sending all the information that we pay the ticket. We did that and for several weeks since we started for the second time in XXXX they never received the information or the system was down or we needed to wait 48 hours for them to receive the emails. I send the information by fax, mail and email and they never received it. Our intention was always to pay but they dont let us pay part of it. So now on XXXX we received the letter that we are in foreclosure. So we feel that we were played. I do have emails proving that they received the letter email. But they keep changing the email address every time that I spoke to a different customer representative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement offer of {$130.00} with an original balance of {$540.00}. 

Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}. 

I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer

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 2021-06-11
Company: Dovenmuehle Mortgage, Inc.
State: MT
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: Investigation took more than 30 days

Complaint:
In XXXX Davenmuehle mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: MS
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 CFPB complaint is concerning INACCURACIES in the XXXX XXXX XXXX Account reported on my Equifax Credit Report. The PAYMENT HISTORY reported shows Late Payments and Charge Off in the years XXXX and XXXX ( See Attachment 1 ). This XXXX XXXX XXXX   Account was sent to a Debt Collector, AT LEAST, by XX/XX/XXXX ; I PAID and SETTLED with XXXX XXXX XXXX, the Debt Collector, in XXXX ( See Attachment 2 ). There should be NO PAYMENT HISTORY reported after the account was sent to Debt Collection in XXXX or earlier. I have contacted XXXX XXXX XXXX numerous times about these INACCURACIES, and no action was taken. I have disputed these INACCURACIES with Equifax, most recently last month, on XX/XX/XXXX. I recently received a notice from Equifax that this reinvestigation was completed on XX/XX/XXXX ... even though, the disputed account still contain the comment Consumer disputes - reinvestigation in progress ( See Attachment 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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/22 I sent a letter regarding inaccuracies on my credit report and to this day I have not received a response. Section 611 states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items are deleted immediately or I will file for litigation.

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 2018-06-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a sales person from Sears to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my Sears credit card and not to charge it to my Sears Master card, which I had never used. Citibank collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my Master card and that they should review their tapes. After that Citibank told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the Sears credit card and not the Master Card, but they and threaten to report me to the credit bureau. When I spoke to Sears sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( XXXX XXXX XXXX XXXX XXXX ). Routinely I have {$75.00} per month automatically withdrawn from my account for the Sears Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.

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 2022-07-20
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Albert Corporation ( XXXX ) checking account/debit card was drained by XXXX unauthorized transactions at XXXX ( $ XXXX + {$25.00}, totally {$400.00} ) on XXXX. I've contacted the company continuously since then ( XXXX - XX/XX/20 ) and they refused to identify these transactions as a fraud after XXXX rounds of investigations. Please step in and help me to uphold my legal rights against this shady company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: FL
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 disputed XXXX XXXX collection for {$100.00} after speaking with XXXX in which they agreed to delete the account from collection due to an error in their accounting. Due to Me having a current Active account with XXXX. The dispute results were verified as accurate even though it is false. Please verify with XXXX and remove the account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: KEYCORP
State: OR
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:
A few months ago I paid down my Key Bank credit card to XXXX. I worked really hard to pay down my CC to XXXX. I am proud of myself for paying down my CC to XXXX. 
Thinking that my CC balance is now XXXX, I did not make a payment one month. Next statement there is a {$20.00} charge from an auto pay from XXXX or XXXX  or something like that that I didnt expect AND a late payment fee of {$39.00}. I called and asked to have the late fee removed ( who knew there would be a minimum payment due on a {$20.00} balance anyway??? ), the person on the phone said I already made a requested to have a late payment fee removed and therefor exceeded all my options to have this fee removed. I paid the {$20.00} charge. Next statement there is a balance of {$39.00} and a late payment fee of {$39.00}. I called the bank band to asked them to remove the fees, or I will cancel my card, which I did because of course they wouldn't. ( and I remember the guy who closed my account saying the account is closed and I had a XXXX balance ). The next statement after that shows a balance of {$80.00} and yet another late payment fee on my now closed account. Now I am threatening to cancel all my accounts with Key bank because I have over {$100.00} of late payment fees for late payments of late payment fees. They still refuse to remove to the fees. I have a very high credit rating, and do not want this fiasco messing that up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One reported " XXXX  day late '' payments for XXXX XXXX but they were the wrong amount due to a simple error. Automatic payments were set-up by me for a fixed amount XXXX $ XXXX XXXX instead of the minimum payment due ( {$65.00}. ) I did this to avoid EVER being late on a payment. As my balance increased, the fixed amount became too little. Because of my error, my payment wasn't enough to cover the minimum payment but I NEVER missed a payment and was NEVER late with the payments that I made on my account. Capital One never notified me of this deficiency in my automatic payments which would have been easy to fix had I known at the time. They never advised me that the payments I was making would show as late on my credit report. Instead of calling me or sending a letter, they were more than happy to continue adding a {$35.00} late charge every month, making my balance climb even more. Every other payment that Ive ever made to Capital One and all my creditors has been timely because this is very important to me. This was almost XXXX years ago and they refuse to remove the " late '' payments WHICH WERE NEVER LATE off of my credit report. I continue to suffer paying higher interest rates for credit because of this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Co. Modification my loan in 2015. I pass the Trial Period Plan and the agreement in the Trial period plan was " After all trial period payment are timely made and your client has submitted all the required documents, the mortgage would then be permanently modified '' I paid {$3100.00} in escrow shortage which is included in the modified monthly mortgage payment. The Trial payment plan also stipulated that i will received {$1000.00} each year for five years for a maximum of {$5000.00}, which I have receive those payments for the last four. This is the big problem the Trial Period Plan also stated " IN ADDITION, once the loan is permanently modified, your client may be eligible to have some of the principal forgiven on a deferred basis. So long as the modified loan remains in good standing, we will forgive {$50000.00} of the principal balance of the loan each year on the anniversary of the first trial period payment date for three years.Your client will lose this benefit if your client 's modified loan loses good standing at any time during this three year period, including all accrued and unapplied amounts ''. I have not been late on any payments. I have move proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

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 2019-12-07
Company: Clarity Services
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: Information belongs to someone else

Complaint:
My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made on line payment on XX/XX/2021. Chase received and misapplied. It is a week now and they reversed it out but have yet to apply my payment. 

Than on XX/XX/2021 we made a {$470000.00} principal payment by wire. They received and finally on XX/XX/2021 applied to the loan but now are reversing it out as if it never was made, Chase has had our funds for over a week and I keep getting pushed from one department to the next. I was told on XX/XX/2021 by XXXX XXXX in executive escalation that this would be resolved by today, and yet it is still not resolved. 

I am getting a run around and my payments are not being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: GA
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 been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: AMERICAN HONDA FINANCE CORP
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My leased vehicle is at the end of it's lease and I am trying to purchase the vehicle. I have been trying to call Honda Financial Services for the last week to get a payoff amount for the vehicle because the company who is doing the financing needs this information. This information is not available online and XXXX states I need to call in to obtain. I have been called multiple times and have been put on hold for over one hour. I do not have the time to continue to call in and wait and there is no indication from XXXX on how long the wait times are and there is no option to schedule a call back. 

I've tried alternative routes through the phone such as not entering my account information and the automated system tells me that they are not open. These call have taken place during their normal business hours so this appears they are trying to avoid customers who do not have their account information available. 

This is very concerning that I can not get ahold of anyone to take care of a financial matter. This is most likely costing me money in interest and other fees and is unacceptable.

Company response to consumer: Closed with explanation